SR22 Insurance in Indiana

An SR-22 is a certificate of insurance or Financial Responsibility issued by your insurance company to the Indiana Bureau of Motor Vehicles (BMV) providing proof that you purchased liability insurance. When a motorist’s operator license is suspended upon conviction of a major offense, that driver must submit proof of insurance to the BMV before being reinstated. This filing proves that the driver has an auto liability policy in effect that cannot be canceled without prior notice. If you are required to maintain a certificate of Financial Responsibility, your insurance company is required to provide the BMV with at least ten 10 days advance notice before termination.

Who needs an SR22 in Indiana?

In Indiana, SR-22s are required after you’ve committed certain violations with the law. The Indiana BMV determines and issues all SR22 insurance requirements. You could need SR22 insurance for the following reasons:

• Conviction for driving under the influence (DUI or DWI)
• Driving without car insurance
• Driving with a revoked or suspended license
• Having repeated traffic violations in a certain amount of time, including speeding tickets
• Numerous at-fault accidents
• A fatal at-fault accident or one that results in injuries
• Reckless or dangerous driving
• Assignment from a court order
• Failure to pay fines from tickets
• Refused consent to breathalyzer or blood alcohol test

Minimum liability insurance limits in Indiana

According to the Indiana Bureau of Motor Vehicles (BMV), all drivers must carry minimum liability insurance coverage. The mandatory minimum liability insurance coverage is:

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

Failure to carry the mandatory minimum liability insurance coverage can result in significant penalties, including a criminal conviction. The BMV will require certain drivers to provide proof of future financial responsibility through an SR22 form. The most common reason that a person must carry SR-22 insurance or provide proof of financial responsibility is due to a license suspension related to drunk driving or for multiple insurance violations.

Failure to carry the mandatory minimum liability insurance coverage can result in significant penalties, including a criminal conviction. The BMV will require certain drivers to provide proof of future financial responsibility through an SR22 form. The most common reason that a person must carry SR-22 insurance or provide proof of financial responsibility is due to a license suspension related to drunk driving or for multiple insurance violations.

How much does an SR-22 cost in Indiana?

Insurance after an SR-22 in Indiana will probably be costly. This isn’t a direct result of the SR-22 itself — filing fees could be as cheap as $15 to $35 — but because of the insurance premium increases triggered by the offense that necessitated the SR-22.

Insurance companies charge risky drivers more expensive rates because of the increased chance of having to pay out a claim after a collision. The rate increase you could face will depend on the severity and number of citations.

How do I get SR-22 insurance in Indiana?

To get SR-22 insurance in Indiana, you must find an insurance company that offers SR-22 certificates. If your personal insurance provider does not offer this type of insurance, look for providers that sell non-standard insurance. After filling out the form, the insurance company will file your SR-22 with the BMV and it will remain on your record for a three or five year period.

SR-22 Indiana alternatives

Drivers in Indiana may be required to purchase an SR-22 insurance alternative. The proof of insurance requirements can vary based on the state, the type of offense and a repeat violation. In Indiana, drivers might also be required to purchase an SR-50 or an SR-26. Here’s a look at some common SR-22 alternatives, where they are required and how they affect your auto insurance requirements.

SR-19: SR-19 insurance is only available in California and Texas. A driver must file an SR-19 in these two states in order to file an insurance claim if they get hit by an uninsured driver.

SR-21: An SR-21 is often required in Florida, Georgia, and Indiana if a driver causes a car accident that results in injury, death or property damage above $1,000. This form certifies that you held at least the minimum required amount of insurance at the time of the accident.

SR-22A: The SR-22A form is found in Georgia, Texas and Missouri. It is essentially the same form as the SR-22, which is often required after your license is suspended.

FR-44: FR-44 insurance is found in Florida and Virginia only. This form is similar to the SR-22, but instead of meeting the state’s minimum insurance requirements, drivers are required to carry more liability insurance than what is typically mandated.

SR-50: SR-50 forms are only available in Indiana. The Indiana BMV uses SR-50 forms to verify current proof of insurance coverage after a notable traffic violation.

SR-50 in Indiana

One of the most common SR-22 alternatives in Indiana is the SR-50 form. You will be required to fill out an SR-50 form after you get into an accident or get convicted of a serious traffic violation that is reported to the Indiana BMV. The BMV uses an SR-50 form to verify your insurance coverage at the time of the crash or violation. Assuming you had coverage at the time of the incident, this form will not impact your car insurance rate or insurance requirements.

Bottomline:

Going through the ordeal of having your driver’s license revoked or suspended can be stressful and expensive. Between the requirements and cost, it can feel like a never-ending cycle. Choosing the right auto insurance company can make your reinstatement process easy on you and easy on your wallet.

At SR-22 Insurance, we want you safely behind the wheel again as soon as possible. Our cheap SR-22 insurance helps achieve that.

Need cheap SR-22 insurance? Get a fast and free quote now.

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