Guide To SR-22 Insurance In Indiana (Updated 2023)

WRITTEN BY: Julia Matseikovich


Drivers with a serious driving offense, such as a DUI conviction, excessive speeding tickets, a hit-and-run, or other forms of reckless driving, need SR-22s in the state of Indiana. Indiana’s SR-22 requirements apply to high-risk drivers and those with poor driving records. The SR-22 requirement means increased car insurance premiums. Read on to learn about Indiana’s SR-22 requirements, how to get SR-22 insurance, what it costs, and how you may save on premiums. 

Indiana SR-22 insurance: What You Need to Know

SR-22 insurance is a term for a certificate of financial responsibility. It states you have the minimum liability insurance Indiana requires. Although called “insurance,” it’s a document about insurance. Indiana drivers must carry the following in car insurance: 

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage per accident

How much does SR-22 insurance cost in Indiana? 

An SR-22 filing in Indiana by an insurance carrier costs $15 to $25, but the SR-22 increases car insurance rates by over 20% or more. The average cost for insurance when you have an SR-22 in Indiana is $50 a month or $597 a year.

Each Indiana driver’s cost for an SR-22 depends on their violation, carrier, gender, age, and location. The SR-22 isn’t an auto insurance policy but a certificate of “proof of future financial responsibility,” according to the Indiana Bureau of Motor Vehicles (BMV).

USAA features the lowest rates for SR-22 insurance with a DUI in Indiana. The carrier limits availability to only military members and their families. National insurance provider Progressive offers the second-cheapest SR-22 insurance after a DUI at $50 a month and an average increase of 33% over standard car insurance rates. SR-22 insurance costs vary by provider, but most feature increases by 30% or more after a DUI. GEICO is the most expensive insurance carrier, with an average rate increase of 104% for a DUI and SR-22. 

CompanyAvg. Cost per Month With an SR-22 & DUIAvg. Cost Increase After a DUI
State Farm$8294%

When are you required to get SR-22 certificate in Indiana?

Indiana drivers with severe driving violations, such as driving without the proper insurance, need SR-22 coverage. Other offenses that may result in an SR-22 include

Drivers who need an SR-22 in Indiana receive notification by mail and, sometimes, by the court. 

How long do you have to carry an SR-22 in Indiana?

An SR-22 for failure to provide proof of insurance requires a minimum of 180 days in Indiana. If your violation results in your driver’s license suspension, Indiana requires an SR-22 for a minimum of three years from the date you lost driving privileges. The SR-22 filing is a requirement for your license reinstatement. Subsequent violations after your first and second offenses require an SR-22 certificate for five years. 

How a DUI impacts your car insurance rates in Indiana

Drivers with a DUI charge need an SR-22 in Indiana as part of their penalty for a severe driving violation. Your car insurance premium can increase by over 30% or more after a DUI conviction, based on your location and carrier. Drivers with more than one DUI conviction pay significantly high rates and need an SR-22 for several years.

Driving without insurance

Indiana doesn’t take driving without insurance lightly. Motorists charged with operating a vehicle without car insurance in Indiana may need an SR-22 for three years. The SR-22 filing must be active for three years from the date of your license suspension. Driving without the state minimum insurance coverage is a common violation resulting in an SR-22 in Indiana. 

Non-owner SR-22s in Indiana

Indiana drivers without a vehicle may require an SR-22 after reckless driving, a DUI, and other charges. Insurance carriers offer these drivers non-owner SR-22 insurance to meet Indiana’s car insurance requirements. Non-owner insurance isn’t available if a motorist lives in a household where at least one person owns a car. Non-owner SR-22 insurance can be expensive but is cheaper than traditional SR-22 insurance and applies to vehicles you rent or borrow.

How to get an SR-22 in Indiana

If you need SR-22 insurance in Indiana, your first step is to notify your existing insurance carrier. Most insurance carriers offer SR-22 filing, but if yours doesn’t, you must find an insurer that does. Inform them of the requirement and pay a filing fee of $15 to $25. The insurance company will file the SR-22 on your behalf with the Indiana BMV. Finally, your insurance provider will inform you of your increased car insurance premium after the SR-22; expect a rate increase of at least 30%, depending on the carrier and location.


Does SR-22 cover any vehicle you drive in Indiana?

Yes. Your SR-22 insurance coverage applies to cars you borrow or rent. If you don’t own a car, your insurance carrier may offer non-owner SR-22 insurance, a filing for high-risk drivers without a vehicle. Non-owner SR-22 insurance costs less than traditional SR-22 insurance. 

What does an SR-22 cost in Indiana?

The SR-22 cost in Indiana comes in two parts. The first is the filing fee, a one-time charge of $15 to $25. The actual cost for an SR-22 comes when your car insurance premiums increase by 30% or more after you need an SR-22. Indiana also charges reinstatement fees when you lose your driver’s license. 

What does SR-22 stand for?

The SR in SR-22 stands for “safety responsibility,” stating you meet Indiana’s state minimum insurance guidelines. SR-22 forms are also known as “certificates of financial responsibility,” and they’re filed with the Indiana BMV.

How much does your car insurance cost after a DUI and SR-22 in Indiana?

The exact cost for your SR-22 coverage after a DUI in Indiana depends on your carrier. Progressive has a low average rate of $50 a month for SR-22 insurance after a DUI, but your rate may vary based on location, age, gender, and vehicle. 

Who has the cheapest SR-22 insurance in Indiana?

USAA, an insurer for military members and their families, features Indiana’s most affordable SR-22 insurance. If you’re not eligible for USAA insurance, Progressive offers the most inexpensive average SR-22 insurance in the state. The average cost for Progressive SR-22 insurance with a DUI is $50 a month or $600 a year. 

Compare SR-22 insurance in Indiana

Indiana SR-22 insurance is required for drivers with severe violations and affects your car insurance rates for three or more years, depending on your offenses. Indiana law requires an SR-22 for various offenses, including driving without insurance or excessive speeding tickets. If you need an SR-22 in Indiana, don’t worry, you can still find affordable rates. Start by comparing premiums for SR-22 insurance in Indiana, and you may be surprised you can save. Get your free auto insurance quotes today.