SR-22 insurance in Indiana: Quotes, rankings and information

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#1
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USAA
4.72 ★★★★★
4.72 ★★★★★
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#2
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AAA
4.12 ★★★★★
4.12 ★★★★★
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#3
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4.11 ★★★★★
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#4
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Grinnell Mutual
4.11 ★★★★★
4.11 ★★★★★
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#5
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4.10 ★★★★★
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#6
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4.09 ★★★★★
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#7
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4.06 ★★★★★
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#8
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Nationwide
4.04 ★★★★★
4.04 ★★★★★
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#9
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4.01 ★★★★★
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#10
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allstate
4.00 ★★★★★
4.00 ★★★★★
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#11
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4.00 ★★★★★
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#12
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3.98 ★★★★★
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#13
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Esurance, Inc.
3.98 ★★★★★
3.98 ★★★★★
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#14
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3.95 ★★★★★
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#15
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Pekin Insurance
3.85 ★★★★★
3.85 ★★★★★
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#16
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dairyland
3.82 ★★★★★
3.82 ★★★★★
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#17
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3.79 ★★★★★
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#18
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3.75 ★★★★★
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#19
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3.69 ★★★★★
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#20
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3.57 ★★★★★
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#21
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3.53 ★★★★★
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#22
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3.48 ★★★★★
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#23
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3.30 ★★★★★
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#24
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3.30 ★★★★★
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#25
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3.25 ★★★★★
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#26
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2.64 ★★★★★
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#27
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Good2Go
2.52 ★★★★★
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#28
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2.50 ★★★★★
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#29
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2.43 ★★★★★
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#30
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2.29 ★★★★★
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#31
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3.86 ★★★★★
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#32
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3.66 ★★★★★
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1.57 ★★★★★
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What are Indiana SR-22 requirements?

If you need to file an SR-22 form in Indiana, it means you’ve committed a driving violation resulting in your license being suspended and have been required by the Indiana Bureau of Motor Vehicles (BMV) to file it. The SR-22 insurance form is also known as proof of future financial responsibility, and it guarantees to the state that you have the minimum liability insurance coverage required of you and it allows you to restore your driving privileges in Indiana.

Indiana law states that a person is not allowed to operate a vehicle if financial responsibility requirements are not in effect or if the person is not otherwise insured to operate the motor vehicle. All motorists in Indiana are required to follow the minimum coverage requirements for the vehicle they operate.

You’ve likely heard the term SR-22 insurance if you’re required to file an SR22 in Indiana. While SR-22 insurance is not actually a different type of insurance, the term is often used to describe car insurance coverage for those who need an SR-22 endorsement because an SR22 affects your car insurance coverage and cost.

Indiana drivers who are convicted of a serious driving violation are generally required to purchase SR-22 coverage. The SR-22 certificate confirms that you comply with the state's minimum liability limits. Drivers are not excluded from the requirement to provide proof of insurance coverage following a conviction. In Indiana, an SR-22 insurance coverage after a DUI conviction costs an average of 71.5% more than car insurance for standard drivers.

So, an SR-22 insurance policy costs more compared to a standard policy, because insurance companies treat SR-22 drivers with prior driving violations as high-risk drivers, and therefore charge more for insurance. However, every insurance provider offers different rates when filing for SR-22 car insurance, so it's best to shop around to find the most affordable options. To find cheap SR-22 insurance quotes, you should compare quotes from several insurers.

In Indiana, SR22 insurance is required for either three years or five years depending on your conviction. It’s required for three years if your conviction is your first and/or second no-insurance suspension. You’re required to have it for five years if it’s your third or subsequent license suspension. Your car insurance rates will likely be increased throughout the duration of your SR-22 filing period. Additionally, you’ll be required to have certain coverage in Indiana.

If you maintain your SR-22 insurance coverage for your required filing period and keep a clean driving record, you won’t need to file the form any longer after the time period is up. This could result in your coverage and car insurance rates decreasing, depending on your violation. Once you’re eligible to get your license reinstated (after your suspension period is over and you’ve fulfilled all requirements of the Indiana BMV), the BMV will notify you of eligibility and issue a Reinstatement Required Notice. The Indiana BMV determines your length of suspension and SR22 insurance requirement.

If your SR22 insurance policy is cancelled at any point, by you or your car insurance company, or if you have a lapse in coverage during your filing period, your insurer may file an SR-26 form, saying you no longer have insurance coverage with the company. If your auto insurance company files an SR-26 before your SR-22 requirement is completed, your license will be suspended until the BMV receives notice of you having an effective SR22 insurance policy or until your SR22 filing period ends.

Use our comparison tool to compare SR-22 car insurance quotes from multiple companies.

What are the SR-22 insurance limits in Indiana?

If you’re required to have SR-22 insurance in Indiana, you’ll be required to have at least the following liability coverage:

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

Who needs an SR22 in Indiana?

In Indiana, SR22 insurance is required in a few scenarios in order for you to get your license reinstated. 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 driving or dangerous driving
  • Assignment from a court order
  • Failure to pay fines from tickets
  • Refused consent to breathalyzer or blood alcohol test

How are Indiana SR-22 insurance rates calculated?

If you need SR-22 insurance, your car insurance rates will likely increase significantly. When you’re required to have an SR22, you get placed into the category of a high-risk or non-standard driver. High-risk drivers tend to pay the highest car insurance rates, but the cost of car insurance can vary by company and by state. There are many other factors that go into the cost of SR-22 insurance in Indiana, such as your age, gender, location, credit score, vehicle type, marital status and so on.

A DUI conviction is one of the most common reasons drivers need SR-22 insurance. On average, drivers with one DUI conviction in Indiana pay $1,573 per year for car insurance, which is 71.5 % more than drivers with clean driving records. However, the insurance cost you pay differs significantly based on the company you buy car insurance from. In the table below, you can find average rates for Indiana drivers who have one DUI conviction from some of the largest companies in the state.

Company Car insurance rate
Cincinnati Insurance Company $999
Erie $1,050
Progressive $1,053
Farmers $1,108
USAA* $1,136
Nationwide $1,137
Geico $1,371
State Farm $1,397
Indiana Farm Bureau $1,577
Auto-Owners $1,843
Allstate $2,169
American Family $2,182
Liberty Mutual $4,553

*USAA is only available to active and former military members and their families.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Indiana will differ. Rate data is provided by Quadrant Information Services.

While SR-22 insurance policies are expensive, if you maintain your car insurance and SR-22 form for the duration needed all while keeping a clean driving record, your rates may go down over time.

How to get SR22 insurance in Indiana?

To get SR22 insurance in Indiana, you’ll need to contact your car insurance company. An SR-22 can only be obtained through an insurance carrier; the Indiana BMV does not accept SR22 forms from drivers. If your auto insurance company offers insurance coverage to drivers who need an SR-22, your company can file the form with your state and offer you car insurance coverage. If not, you’ll need to shop for a new insurance policy from a company that offers SR22 insurance coverage.

Even if your company does offer SR22 insurance, it may be a good idea for you to shop around for a new policy. Because SR-22 insurance significantly affects your rates in Indiana and rates can vary by company, you may want to see if a different company can offer you a better rate.

Use the table at the top of this page to find all the car insurance companies that offer SR-22 insurance in Indiana with a minimum of 25 car insurance reviews. If you want to see which companies customers say are the best car insurance companies for SR22 insurance in Indiana, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange “Click for quote” button next to the company, call the number available or visit the company’s website.

If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.

Is there an SR-22 filing fee in Indiana?

In Indiana, SR22 insurance is required if your license has been suspended. Fees associated with this are fees to have your license reinstated. You need to pay your reinstatement fees in full before you to get your license back. You may also be required to pay a fee to file the SR-22 form.

How are car insurance rates calculated?

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history (in some states)
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision coverage and comprehensive coverage)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, drivers simply wouldn't be able to afford the raised rates that are based on how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the cost of insurance, though of course, the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after an auto accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require their drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

## How to save money on your car insurance?

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How do we rank car insurance companies?

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:
  • Cost
  • Customer Service
  • Overall Experience
  • Claim service
  • Purchasing experience
  • Whether you’re buying your insurance directly or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage/underinsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.Likelihood to recommend

Car Insurance Guide

Whether you’re buying your insurance directly or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage/underinsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

How car insurance rates are calculated

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history (in some states)
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How we rank car insurance companies

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

  • Cost
  • Customer Service
  • Overall Experience
  • Claim service
  • Purchasing experience
  • Likelihood to recommend

Guide to understanding car insurance

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

Save Money by Comparing Insurance Quotes
Compare Free Insurance Quotes Instantly
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