Insurance with an SR-22 in Indiana | The Zebra

If you need an SR-22 to get an auto insurance policy in Indiana, don't worry. This relatively common legal requirement is triggered by a driving violation like a DUI, a ticket for driving without proof of insurance, an at-fault collision with substantial property damage, driving with a suspended license, or collecting too many points on your license.

Finding cheap car insurance with a SR-22 in Indiana might not be easy, but it could pay off. We explored how much a SR-22 certificate costs in Indiana and how to request one — let’s dive in.

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 — below are average car insurance rates for motorists with SR-22s in Indiana.

High-risk rating factorAverage annual rateIncrease vs. no violations
No violations$1,165
At-fault crash (>$2,000)$1,656$491
Speeding (21-25 mph > limit)$1,483$318
Reckless driving$1,695$530

If you're in need of reasonably priced car insurance coverage after getting a SR-22 certificate, we are here to help. Enter your location below to find personalized car policy quotes from popular companies.

How to get an SR-22 in Indiana

Already insured

If you currently have auto insurance, obtaining an SR-22 shouldn't be too difficult. Just call your car insurance company ask the company to file a SR-22 request on your behalf. If your current insurance company won't file for an SR-22, you should shop around for a new insurance company.

Currently uninsured?

When filing for car insurance, you may need to pay extra to cover the cost of the SR-22 request form and your high-risk driving profile. Needing an SR-22 certification might disqualify you from being insured by some carriers, while others would be happy to sell you a policy.

For drivers who don’t own a vehicle

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning your car makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should get a non-owners policy before requesting a certificate. Non-owners car insurance is typically cheaper than a standard policy since it doesn't insure against physical damage to your car.


The Zebra conducted car insurance price analysis via our proprietary quote engine, including data from rating systems and public rate filings. The Zebra surveyed nearly 53 million rates to explore trends for specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and their effect on insurance costs.

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