Here at Cheap Insurance.com, we bring you the best, cheapest quotes for SR-22 car insurance in Indiana State.
With 12,000 miles of some of the most picturesque roads in the country, Indiana offers an incredible driving experience. Indiana averages 22 inches of snow per year from November to March, so these conditions can make driving challenging in The Hoosier State
. Whether you are stationary or on the move, accidents can happen really quickly and we all have days when our attention is not as sharp as it should be. When you’ve been involved in a major accident, or been convicted of some other serious traffic violation in Indiana, you’ll be flagged as a high-risk driver. For this you will need SR-22 insurance
What Is SR-22 Car Insurance and What Does It Mean for You? SR stands for ‘Safety Responsibility’
Although it’s sometimes referred to as ‘financial responsibility insurance’, SR-22 insurance is not actually a typical insurance policy
. Instead, an SR-22 certificate, also known as an SR-22 endorsement, is a document registered with the state of Indiana that verifies that you have minimum auto liability car insurance.
Key Point: Minimum Auto Liability Coverage Auto liability coverage is a type of insurance that helps to pay for any damage you may cause to property or the injury/death of a third party while driving. Each U.S. state has different minimum liability requirements, but there are always three key aspects that are included:
Bodily injury coverage per person.
Bodily injury coverage per accident.
Property damage coverage per accident.
The minimum auto liability requirements in Indiana are:
- $25,000 per person and $50,000 per accident: Uninsured motorists and bodily injury.
- $25,000 per accident: Property damage.
- $25,000 per accident: Uninsured motorist property damage.
- $50,000 per person and $50,000 per accident: Underinsured motorists – bodily injury.
This is also commonly referred to as 25/50/25 liability insurance.
Key Point: It is against the law in Indiana to drive a vehicle if you do not have minimum liability insurance coverage.
Who Needs SR-22 Insurance in Indiana and for How Long Is It Needed?
Each state has its own list of violations for which SR-22 insurance is needed. In Indiana, the laws are very strict and specific. There are two distinct kinds of traffic violations in Indiana: moving and non-moving.
Key Point: Traffic Violation Point System
The state of Indiana operates a point system for traffic violations.
The severity of the violation determines the number of points allocated to the driver, and range in value between 2 and 8.
A moving violation is any violation committed while you are driving the car. These include:
- Reckless driving.
- Failure to use a turn signal.
- Running a red light or stop sign.
- Driving while intoxicated (DUI).
These types of violations will incur points on your driving record.
A non-moving violation is any other sort of violation that you commit with a stationary vehicle. These include:
- A parking ticket.
- Failure to provide proof of insurance.
- Failure to appear in court/failure to pay fines.
These types of violations do not incur points on your driving record.
What does the point system in Indiana mean for you?
You will be allocated points for every moving traffic violation that you commit. When you reach 18 points or more over a 2-year period, you will need to attend a hearing at the Bureau of Motor Vehicles (BMV). You may be placed on probation for a period of time or your license may be suspended. The severity of your violations may be assessed and you may be listed as a habitual traffic offender (HTV). Some examples of the most common traffic violations which carry points are:
- Speeding 1-15 mph over the limit – 2 points.
- Failure to use headlights – 2 points.
- Speeding 16-25 mph over the limit – 4 points.
- Illegal U-turn – 4 points.
- Speeding 26+ mph over the limit – 6 points.
- Failure to stop at a stop sign – 6 points.
- Failure to yield to an emergency vehicle – 8 points.
- Driving on a suspended license – 8 points.
Indiana law could ask you to prove that you have SR-22 insurance if your license has been suspended or revoked due to:
- A severe driving violation.
- An accumulation of traffic violations within the point system.
In Indiana, if your driving privileges are suspended you may require SR-22 insurance to regain your driving privileges. Your insurance provider must file proof of future financial responsibility with an SR-22 form at the BMV. You will need to maintain an SR-22 with your insurance company for three years after your first and second convictions.
How Do You Get SR-22 Insurance in Indiana?
If you have been convicted of a traffic violation, your car insurance company will need to file an SR-22 form on your behalf. You will need to take the following steps to file for SR-22 insurance in Indiana State:
- Find an authorized insurance provider: Not all insurance companies are able to offer you SR-22 insurance. If you already have car insurance, check with your provider whether they will issue an SR-22 form for you. If they don’t, you will need to find an insurer that does.
- Pay the SR-22 filing fee: Your insurer will charge you a filing fee for managing the SR-22 form on your behalf. This can range anywhere from $15-$50.
- Verify your coverage: Ensure that your insurance policy meets the minimum requirements of Indiana State.
- Let your insurer submit your SR-22 form on your behalf: Your insurer should file your SR-22 form with the Bureau of Motor Vehicles (BMV) and provide you with verification once the form is filed.
- Wait for confirmation: Once the state accepts your SR-22 form, you should receive a confirmation letter from the Bureau of Motor Vehicles (BMV) and one from your insurance company. You will then be legally eligible to drive again.
It’s important to note that if you allow your SR-22 insurance to lapse, your insurance provider is required to report it to the BMV.
Types of SR-22 Insurance in Indiana
When you apply for SR-22 insurance, you will need to specify the exact type of SR-22 insurance you need, depending on your circumstances.
Operator SR-22 insurance
If you do not own a car but still drive a car you do not own, you will need to file for operator car insurance. This is for drivers who:
- Don’t plan to own a car.
- Don’t share a household with someone who owns a car.
- Still want to drive on occasion (e.g. a rental or borrowing a friend’s car).
Owner SR-22 insurance
Owner SR-22 insurance is for Indiana drivers who:
- Already own a car or plan to buy one.
- Share a household with someone who does own a car.
- Want to reinstate their driver’s license.
Owner/operator SR-22 insurance
If more than one car is registered in your name or you need to drive cars you do not own as part of your job, you will need to carry owner/operator SR-22 insurance.
Which Is the Cheapest SR-22 Car Insurance in Indiana?
Finding a car insurance company in Indiana that will file your SR-22 insurance with the Bureau of Motor Vehicles (BMV) for you can be challenging. Luckily, we’ve done the hard work for you. If your car insurance company is not able to assist you with your SR-22 insurance filing, consider one of the five providers below, or reach out to us
for a provider in your state. Here are a few of the cheapest SR-22 car insurance rates in Indiana. According to our recent research, Elephant provides the cheapest SR-22 car insurance in Indiana, with average monthly premiums of just $145.
|Provider ||Average Monthly Price ||Monthly cost in Marion County ||Monthly cost in Lake County ||Monthly cost in Allen County ||Monthly cost in Hamilton County ||Monthly cost in St. Joseph County |
|Traders ||$173 ||$173 ||N/A ||N/A ||N/A ||N/A |
|Elephant ||$145 ||$157 ||$162 ||$136 ||$145 ||$127 |
|Bristol West ||$229 ||$279 ||$235 ||$210 ||$213 ||$209 |
|AssuranceAmerica ||$775 ||$799 ||$752 ||N/A ||N/A ||N/A |
Remember to never settle for the first car insurance quote you get. Shop around and find the cheapest car insurance in Indiana. In fact, it’s best to get a completely personalized insurance quote as we all have different needs and circumstances. Most reputable insurers will tailor your insurance quote to your needs. Get a personalized car insurance quote
Key Point: What Makes Up Your Car Insurance Quote
Car insurance companies usually look at your driving record, past claims, and vehicle model when deciding on car insurance rates.In Indiana, car insurance companies will also look at the following factors:
- Age and sex.
- Marital status.
- Driver record.
- Car use.
- Place of residence.
- Policy limits.
- Type of car.
- Driver training.
- Claims history.
- Credit scores.
How Does an SR-22 Impact Your Insurance in Indiana
We looked at the car insurance rates offered by various insurers for low-risk drivers, to compare them to the rates they offer to drivers who have been convicted of driving-related violations. This is how much drivers in Indiana with a clean driving record
can expect to pay for car insurance:
|Provider ||Marion County ||Lake County ||Allen County ||Hamilton County ||St. Joseph County ||Average |
|Elephant ||$96 ||$101 ||$88 ||$93 ||$83 ||$92 |
|Clearcover ||$115 ||$134 ||$103 ||$97 ||$100 ||$109 |
|Midvale ||$140 ||N/A ||$137 ||$133 ||$137 ||$136 |
|State Auto ||$156 ||$151 ||$127 ||$123 ||$118 ||$135 |
|Liberty Mutual ||$166 ||$164 ||$150 ||$150 ||$144 ||$154 |
|Bristol West ||$191 ||$164 ||$145 ||$147 ||$146 ||$158 |
Here’s how much drivers in Indiana can expect to pay if they are considered a high-risk driver
Get a personalized car insurance quote
|Provider ||Marion County ||Lake County ||Allen County ||Hamilton County ||St. Joseph County ||Average |
|Traders ||$147 ||N/A ||N/A ||N/A ||N/A ||$147 |
|Elephant ||$157 ||$162 ||$136 ||$145 ||$127 ||$145 |
|Midvale ||$187 ||$194 ||$191 ||$189 ||$193 ||$190 |
|Liberty Mutual ||$213 ||$210 ||$200 ||$204 ||$194 ||$204 |
|Dairyland ||$214 ||N/A ||N/A ||N/A ||N/A ||$214 |
|The General ||$308 ||$328 ||N/A ||$318 ||$305 ||$314 |
How to Save Money on SR-22 Insurance in Indiana
Indiana is not the most expensive state when it comes to SR-22 insurance in the U.S. In fact, Indiana drivers pay 31% less for full coverage than the national average cost of car insurance. Although Indiana has cheaper car insurance than other states in the U.S., there are a few ways that you can save money on car insurance. Here are some tips that will help you get the best rate for your SR-22 insurance in Indiana.
- Consider usage-based car insurance: If you don’t drive very often, opt for insurance that charges you based on how many miles you drive per month.
- Raise your deductibles: A deductible is the amount you pay out-of-pocket when you make a claim. If you raise your deductibles, your insurer will likely reduce your premiums.
- Bundle your car insurance with other policies: Opt for insurers who can offer you great prices on your other insurance needs as well, and go with one company.
- Pay your premium in full instead of monthly payments: Enjoy a percentage discount when you pay your annual insurance premium in full instead of monthly.
Apart from SR-22 Car Insurance in Indiana, What Else Do You Need to Have?
The only type of car insurance that you are required to carry in Indiana is liability coverage. This insurance pays damages to others when an accident is your fault. With liability insurance, though, you won’t be able to cover the cost of repairing your own vehicle if you are in an accident. Liability insurance will also not pay for medical expenses when you or others are injured. For this coverage, you need the following types of insurance:
Collision and comprehensive insurance.
If you get into a car accident, or your vehicle is in any way damaged, collision and comprehensive insurance will settle the repair costs to your car.
Personal injury protection (PIP).
Car insurance companies must offer you PIP if you drive a car, but not if you ride a motorcycle. PIP pays the medical bills for you and your passengers after a car accident, regardless of who caused the accident.
Uninsured motorist coverage (UM).
If someone crashes into you and they don’t have car insurance, uninsured motorist coverage will pay for your medical expenses. Insurance companies in Indiana must offer you UM. It is definitely a coverage worth having. If you have your car on lease or loan, you will most likely need collision and comprehensive cover in Indiana.
FAQs about SR-22 Car Insurance in Indiana
To help you find cheap SR-22 car insurance in Indiana, we at CheapInsurance.com rounded up the most frequently asked questions about SR-22 insurance:
What is an SR-22 in Indiana?
In Indiana State, an SR-22 form needs to be applied for and filed for any driver that has committed a serious traffic offense.
How do I get an SR-22 Certificate in Indiana?
Your insurance provider must file an SR-22 form on your behalf. If you are a high-risk client, they may be unwilling to do this and you will need to find another insurer.
How much more do I need to pay for SR-22 insurance in Indiana State as compared to standard insurance?
In general, a policy with SR-22 is more expensive than standard insurance cover. A good driver can expect to pay around $92 per month, whereas a high-risk driver may look at premiums of around $145.
Who has the cheapest SR-22 insurance in Indiana?
According to our research, Elephant offers the best option for cheap car insurance in Indiana State. The average premium across good and high-risk drivers is $118.
For how long do Indiana drivers need SR-22 car insurance?
The minimum required time for SR-22 insurance is three years for drivers convicted of a severe traffic offense. This period may be increased for more serious offenses.
Are You Looking for Cheap SR-22 Car Insurance in Indiana?
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