Cheapest SR-22 Car Insurance in Indiana in 2027
Progressive has the cheapest SR-22 car insurance in Indiana, with an average rate of $65 per month after a DUI
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- An SR-22 in Indiana is a form your insurance company files with the Bureau of Motor Vehicles (BMV) to prove you have insurance.
- You’re usually required to have an SR-22 to get your license reinstated after certain serious driving violations, such as DUIs.
- SR-22 insurance in Indiana usually costs more than a standard car insurance policy. That’s mostly because of the driving violation that caused you to need an SR-22 in the first place. Most insurance companies charge a small filing fee to send the SR-22 to the BMV.
Cheap SR-22 insurance in Indiana
Progressive, Westfield, Travelers and United Farm Family Mutual usually have cheap rates for Indiana drivers who need SR-22 insurance. USAA is also a cheap option, but it’s only available to people with a connection to the military and some federal agencies.
SR-22 insurance generally costs more than a regular policy because drivers with violations on their records are seen as more likely to cause an accident in the future. This increased risk makes them more expensive to cover.
Cheapest SR-22 insurance in Indiana with a DUI
Progressive has the cheapest SR-22 insurance in Indiana after a DUI, at $65 per month for minimum coverage. Travelers, United Farm Family Mutual and Geico are also cheap companies.
SR-22 rates in IN after a DUI
| Company | Min. coverage | Full coverage | LendingTree rating | |
|---|---|---|---|---|
 | Progressive | $65 | $204 | Read Our Review |
 | Travelers | $66 | $188 | Read Our Review |
 | United Farm Family Mutual | $103 | $323 | NA |
 | Geico | $117 | $319 | Read Our Review |
 | Grange | $119 | $358 | Read Our Review |
 | Westfield | $129 | $375 | Read Our Review |
 | Allstate | $133 | $312 | Read Our Review |
 | Indiana Farmers | $140 | $465 | NA |
 | Nationwide | $152 | $399 | Read Our Review |
 | Western Reserve | $157 | $342 | NA |
 | American Family | $179 | $435 | Read Our Review |
 | Farmers | $188 | $469 | Read Our Review |
 | Celina Insurance | $245 | $673 | NA |
 | Hastings | $329 | $588 | NA |
 | USAA* | $67 | $202 | Read Our Review |
Cheapest SR-22 insurance in Indiana for driving without insurance
Westfield has the cheapest insurance in Indiana if you’re caught driving without insurance and need an SR-22. Minimum coverage from Westfield costs an average of $49 per month. Travelers, United Farm Family Mutual and Progressive are also cheap options.
USAA technically has cheaper rates than Westfield, at $43 per month for minimum coverage. However, you can only get USAA if you’re affiliated with the military, so it’s not an option for most people.
SR-22 rates in IN after driving without insurance
| Company | Min. coverage | Full coverage | LendingTree rating |
|---|---|---|---|
| Westfield | $49 | $206 | Read Our Review |
| Travelers | $55 | $163 | Read Our Review |
| United Farm Family Mutual | $69 | $216 | NA |
| Progressive | $69 | $236 | Read Our Review |
| Indiana Farmers | $73 | $243 | NA |
| Geico | $76 | $225 | Read Our Review |
| Celina Insurance | $82 | $227 | NA |
| Western Reserve | $93 | $226 | NA |
| Hastings | $98 | $187 | NA |
| Nationwide | $98 | $246 | Read Our Review |
| Grange | $108 | $300 | Read Our Review |
| Allstate | $130 | $309 | Read Our Review |
| American Family | $131 | $312 | Read Our Review |
| Farmers | $188 | $447 | Read Our Review |
| USAA* | $43 | $131 | Read Our Review |
To find cheap SR-22 insurance in Indiana, compare quotes from several insurance companies. Companies all rate their policies differently, so getting multiple quotes is a good way to see which company has the cheapest rates for you.
You may also be able to lower your car insurance rate through discounts. For example, you might be able to save money if you’ve taken a defensive driving course or you sign up for automatic payments.
What is SR-22 insurance in Indiana, and when is it required?
An SR-22 isn’t actually a type of insurance. It’s a form your insurance company submits to the Indiana BMV to prove you have car insurance with at least the minimum coverage required by state law.
Indiana’s minimum car insurance coverage requirements are:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
This is often written as 25/50/25 coverage.
Indiana law also requires that all new car insurance policies have uninsured and underinsured motorist coverage on the quote. However, you can turn down these coverages by signing a form, so they aren’t technically part of the state’s minimum required coverage.
You usually need to file an SR-22 when your license has been suspended. Once the BMV gets your SR-22 and sees that you have insurance, you can start the process to reinstate your license.
Who needs SR-22 insurance in Indiana?
You might need an SR-22 in Indiana for failure to show proof of insurance and major violations like DUIs.
Indiana doesn’t have a set list of violations that require you to file an SR-22. Instead, it has a law that guides when an SR-22 is needed. If your license is suspended under certain sections of the law, such as when you get a DUI, you’ll need to have your insurance company file an SR-22 with the state for three years. If your license is suspended for failing to prove you have insurance, you only need the SR-22 for 180 days.
Indiana non-owner SR-22 insurance
If you don’t own a car but still need an SR-22 to reinstate your license, you can buy what’s called a “non-owner” car insurance policy. This type of policy gives you the liability insurance you need to reinstate your license, but it doesn’t cover a specific car.
Because non-owner policies don’t cover a vehicle, they’re usually cheaper than regular insurance. However, your rates will probably still reflect the fact that you have a violation such as a DUI on your record that triggered the need for an SR-22.
How to get an SR-22 in Indiana
To get SR-22 insurance in Indiana, you will need to take a few key steps.
- Find an insurance company. Not all companies sell SR-22 insurance. Start by calling your current company to see if it will file the SR-22 for you. If not, you may need to find a new company that can file the SR-22 form on your behalf.
- Have the company file the SR-22 form. To get your driving privileges reinstated, your insurance company will need to file the SR-22 form electronically with the Indiana Bureau of Motor Vehicles (BMV). Your company will likely assess a fee for filing the SR-22 and may charge a higher rate because of your driving record.
- Get confirmation. You can check the status of your license in your Indiana myBMV account online or you can call the BMV. Don’t drive until you’ve confirmed that your license is active.
If the state of Indiana requires you to have SR-22 insurance coverage and you live out of state, you may be able to submit what’s called an Out of State Residency Affidavit to waive your SR-22 requirement.
If you move back to Indiana before the end of your SR-22 requirement period, you must have proof of insurance coverage and file an SR-22 certificate.
How long is SR-22 insurance coverage required in Indiana?
The length of time you’ll be required to have SR-22 insurance in Indiana depends on the reason you have to file the SR-22.
- If your driving privileges are suspended, you must keep SR-22 insurance for three years following the reinstatement of your license.
- If you failed to provide proof of insurance when requested by the Indiana BMV, you need to have SR-22 coverage for 180 consecutive days.
If you let your SR-22 coverage lapse, it can result in lost driving privileges, reinstatement fees and higher auto insurance rates.
To avoid a coverage lapse, you should try to renew your policy early — at least 30 days in advance — while you’re required to carry SR-22 insurance. Insurance companies will notify the Indiana BMV if you cancel or fail to renew your SR-22 policy.
Once you’ve had SR-22 insurance for as long as you’re required, contact the Indiana BMV to make sure your requirement is complete before you switch to a standard car insurance policy.
Frequently asked questions
The cost of SR-22 insurance in Indiana depends on the violation that caused you to need an SR-22. For example, minimum coverage SR-22 insurance costs an average of $146 per month for an Indiana driver with a DUI. In comparison, someone who was caught driving without insurance could expect to pay $91 per month for the same coverage. The company you choose also matters. Progressive, Westfield, Travelers and United Farm Family Mutual tend to have cheap rates.
The amount of time you’re required to have SR-22 insurance depends on the reason you need it. Drivers who have their license suspended need SR-22 insurance for three years after their license is reinstated. If you failed to provide proof of insurance to the Indiana BMV, you’re required to have an SR-22 filing for 180 days.
To get an SR-22 policy in Indiana, you’ll need to find an insurance company that offers SR-22 coverage, buy a policy and pay the SR-22 fee. Your insurance company will file your SR-22 certificate with the Indiana BMV to prove you have an insurance policy.
Methodology
To find the cheapest car insurance for drivers with an SR-22 in Indiana, LendingTree compared quotes from major insurance companies in the state across every residential ZIP code. Rates are for a 30-year-old man with good credit who drives a 2018 Honda Civic EX.
Quotes are based on a policy with Indiana’s minimum liability limits. Full coverage rates include higher liability limits plus comprehensive and collision coverage:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision coverage: $500 deductible
LendingTree’s review uses insurance rate data from Quadrant Information Services, which gets its data from publicly available insurance company filings. Rates are for comparative purposes only. Your own quotes may be different.
How we evaluated car insurance companies
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our car insurance ratings methodology and full editorial guidelines for further details.
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*USAA is only available to current and former members of the military as well as certain family members.