SR22 Insurance in Indiana

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SR22 Insurance in Indiana
In Indiana, if your license is suspended for any moving violations or you have been convicted of a more serious driving-related offense then the Bureau of Motor Vehicles (BMV) will likely need you to obtain an SR-22 from a licensed auto insurance company to get your license reinstated.

SR22 insurance in Indiana certifies that you have the state-mandated minimum car insurance coverage required to drive or to have your license reinstated after having been convicted of one of a few serious driving offenses.

SR-22 requirements in Indiana are unique to the state. So it’s important for you to understand how this will impact your insurance rate, driving record and other factors.
Who needs an SR22 Insurance in Indiana?
In Indiana, a driver would need to file SR-22
  • Whose driving license has been suspended or revoked due to a DUI/DWI
  • Whose license has been suspended after hit-and-run, vehicular manslaughter, committing perjury regarding vehicle registration or a driver’s license application
  • Who are caught operating a motor vehicle without an insurance
  • Who fails to provide proof of car insurance
  • Who have been caught falsifying motor insurance certifications
  • Who disagrees for a breath test
  • Who has unsatisfied judgments
  • What is the basic minimum coverage needed for drivers requiring SR22 in Indiana?
    The state of Indiana requires all drivers requiring an SR22 Insurance to have a basic minimum coverage of –
  • Bodily injury: $25,000 per person and $50,000 per accident.
  • Property damage: $20,000 per accident.
  • Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident.
  • How do I file SR22 form in Indiana?
    Your SR22 insurance in the state of Indiana can be acquired from your auto insurance provider who will file your SR22 form with the Bureau of Motor Vehicles (BMV) for a fee.

    SR22InsuranceNow can help you file SR22 in Indiana. Just give us a call at our tollfree number 888-885-3948. An SR22 specialist will get you free SR22 quotes from top providers in Indiana. You can compare rates and save big!

    All this can happen just over a phone call. Once you choose the provider, they will file SR22 on your behalf with the Bureau of Motor Vehicles (BMV) for a minimum fee. You will receive a copy of the form and a letter from the BMV once your SR22 insurance form filing has been accepted.
    How much does an SR-22 cost in Indiana?
    In Indiana, your insurance provider will charge you a filing fee of $15 to $35 to file SR22 however your car insurance premium will significantly go up due to the SR22 to account for the increased risk of claim payout.

    The increase in premium amount you get depends on the provider you choose, severity of your driving violation, age, and some other factors.

    You can check the table below to get an estimate of how much an SR22 in Indiana is going to cost you –
    High-risk rating factorAverage annual rateIncrease vs. no violations
    No violations $1,165 -
    At-fault collision with damage over $2,000 $1,656 $491
    Speeding with 21-25 mph over the limit $1,483 $318
    Reckless driving $1,695 $530
    Racing $1,654 $490
    Hit-and-run $1,738 $573
    DWI $1,635 $470
    How much does an SR-22 cost as compared to a standard auto insurance policy in Indiana?
    The average cost of non-owner insurance in the state of Indiana is around $462 per year. However you should also keep in mind that the rates depend on various factors including the insurance company that you avail the service from.
    How long will I need to maintain SR-22 in Indiana?
    In Indiana, all drivers requiring an SR22 insurance must maintain it for a minimum of three years (36 months).

    If you cancel or let your SR22 insurance policy lapse prematurely, your auto insurance provider will notify the BMV and your driving privileges will be suspended until you get your SR22 renewed.
    Non Owner SR22 Insurance in Indiana
    In Indiana, Non Owner SR22 insurance is required for drivers who drive a car but don’t own it. This includes coverage for any damage caused by the driver in an accident.

    The cost of a non-owner SR22 insurance in Indiana depends on a few components including age, sexual orientation, postal division, conjugal status, driving record, and FICO score.

    SR22InsuranceNow can help you find top insurance providers in Indiana that offer non-owner SR22 insurance. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day. Call us at 888-885-3948 today!
    How to get cheap SR22 insurance in Indiana without a car?
    In the state of Indiana, if you are required to file SR-22 but you don’t own a car, you have to get a Non – Owner SR22 Insurance. This insurance covers the cost of any damage caused by the driver while driving.

    The best way to get cheap SR22 insurance even if you don't own a car is to shop around and get quotes from multiple providers and compare rates. SR22InsuranceNow can help you get FREE SR22 insurance quotes from top insurance providers. You can compare rates and save big!

    Call us now at our toll-free number 888-885-3948.
    Indiana Laws & Penalties
    You are not allowed to drive a motor vehicle in Indiana when your blood alcohol concentration (BAC) reaches 0.08 for all drivers, 0.02 for drivers below the age of 21, and 0.04 for commercial drivers.

    The penalties include fines up to $5000, imprisonment up to 1 year, license cancellation up to 2 years, and mandatory alcohol education, treatment and evaluation.

    A driver is charged with an OWI (Operating a vehicle While Intoxicated) conviction if the individual’s blood alcohol content (BAC) reaches 0.08%. An Indiana OWI conviction is one of the most serious offenses that a person can commit. Even if you are caught violating this rule for the first time, you will be required to file an SR-22.
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