Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

Full Bio →

Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Nov 2, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Don’t Forget These Facts:

  • High-risk drivers in Indiana may have to carry SR-22 insurance
  • Indiana SR-22 insurance requirements are for drivers who are in violation, such as driving or in an accident without insurance
  • Car insurance is much higher for drivers with poor driving history, such as accidents or DUIs

Indiana SR-22 insurance is required for high-risk drivers who meet certain requirements. Who must carry the insurance, the types of forms available, and how to file the form are defined by Indiana SR-22 laws.

If you have a clean driving record, you will save money and the hassle of having to file an SR-22 in Indiana. Because of the risk involved, it can be hard to find cheap SR-22 insurance. No matter what your driving record looks like, shopping around for car insurance will help you get the best coverage at the best price.

Enter your ZIP to compare Indiana sr-22 insurance quotes for cheap auto insurance for an SR-22 in Indiana. Keep reading to learn more about SR-22 car insurance in Indiana.

Indiana SR-22 Insurance

An Indiana SR-22 car insurance certificate, or financial responsibility insurance form, serves as proof that you are financially responsible for carrying the minimum amount of insurance on your vehicle as required by state law.

Six major factors affect car insurance rates in Indiana. Which auto insurance factors will affect SR-22 rates the most? Typically that’s an IN DUI.

View as image

How much does SR-22 insurance cost in Indiana? It should be no surprise that your driving record affects your auto insurance rates. This table shows you your Indiana SR-22 insurance cost — see just how much your rates will go up with a ticket, accident, or DUI.

Indiana Average Annual Car Insurance Rates by Driving Record
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
American Family$2,536.03$4,041.92$5,117.20$3,020.98
Liberty Mutual$4,509.08$5,317.03$8,331.91$4,969.05
State Farm$2,352.06$2,578.33$2,352.06$2,352.06
Get Your Rates Quote Now
Compare RatesStart Now →

With a clean driving record in Indiana, you’ll pay around $220 a month for car insurance. One DUI will raise those rates to about $328 a month. That’s an average extra $1,300 a year. Your rates will skyrocket if you have more than one infraction on your driving record.

Watch this video for more information on how your driving record affects car insurance rates.

A clean driving record will save you a lot of money in car insurance and fines. All Indiana SR-22 insurance companies will look at driving violations differently. If you do have dings on your record, make sure you shop around to find the cheapest auto insurance.

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Who Needs SR-22 Insurance in Indiana

Indiana SR-22 car insurance must be carried by drivers whose drivers’ licenses were revoked or suspended because they were driving or were in an accident while uninsured, drivers with unsatisfied judgments, or drivers whose driver’s licenses were revoked/suspended for other reasons.

Indiana high-risk insurance is designed to make sure a driver carries at least the minimum car insurance.

How long does an SR-22 stay on your insurance in Indiana? If an SR-22 form is required, you must keep it for three years if it is your first or second offense. If it is your third or more offense, you must keep the form for five years.

Free High-Risk Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Different Types of Indiana SR-22 Forms

There are three types of Indiana SR-22 auto insurance coverage: Operator, Owner, and Operator-Owner.

  • Operator covers financial responsibility for drivers who operate but do not own a car.
  • Owner covers financial responsibility for drivers who own and operate a car.
  • Operator-Owner covers financial responsibility for all vehicles owned or not owned by a driver.

Your particular situation will determine which form you will need to file. Your insurance agent will be able to help you file the correct form.

Indiana SR-22 Insurance is Required in Indiana

All motorists in Indiana are required by law to carry liability insurance or file an SR-22 with the Indiana Bureau of Motor Vehicles.

Failure to comply results in a $500 fine and suspension of your driver’s license and registration if you are stopped by a police offer during a traffic stop or in the event of an accident.

If you fail to maintain SR-22 insurance, your license will be suspended until you acquire the correct insurance, or until the time period that you need the SR-22 lapses.

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Filing an Indiana SR-22 Insurance Form

There are not many SR-22 insurance filing options. You have to request your insurer to file an SR-22 with the IN Bureau of Motor Vehicles. The insurer will charge you a processing fee, which varies between agencies. You can request a quote from a state-authorized agency in your area.

The insurer usually files the Indiana SR-22 auto insurance within 30 days of your request. If your filing is accepted, you will receive the SR-22 along with a letter from the Indiana Bureau of Motor Vehicles. The Indiana SR-22 insurance must be maintained for three years.

Compare auto insurance quotes to get the most bang for your buck. Enter your ZIP to find the best Indiana SR-22 insurance cost for you.


  1. https://www.in.gov/bmv/