Insurance with an SR-22 in Indiana | The Zebra

The Zebra
Nov. 16, 2018

If an SR-22 is required in order for you to get car insurance in Indiana, you're not alone. This relatively common requirement is sometimes requested after a citation like a DWI conviction, a citation for driving with no insurance, an at-fault collision with substantial property damage, driving with a suspended license, or amassing excessive points on your license.

Finding affordable insurance coverage with an SR-22 certificate in Indiana might take some research, but it could be worthwhile. We assessed how much an Indiana SR-22 would cost and how to go about getting one — let's look at the details.


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Average SR-22 costs in Indiana

SR-22 insurance in Indiana will probably be expensive. This isn't a direct result of the SR-22 itself — typical filing fees are $15 to $35 — but a product of the insurance cost increases affiliated with the driving violation that necessitated the SR-22 in the first place.

Auto insurance companies charge high-risk drivers increased rates to account for the heightened risk of having to pay out a claim after an accident. The price increase you could face depends on the frequency and severity of violations — listed below are average insurance premiums with an SR-22 in Indiana.


INDIANA INSURANCE RATES BY CITATION
High-risk rating factorAverage annual rateIncrease vs. clean record
No violations$1,133.22
At-fault collision (>$2,000)$1,651.00$517.78
Speeding (21-25 mph > limit)$1,358.08$224.86
Reckless driving$1,717.66$584.44
Racing$1,749.00$615.78
Hit and run$1,610.06$476.84
DUI$1,642.45$509.23

If you're seeking affordable car insurance after getting a SR-22, The Zebra is ready to help. Submit your ZIP code below to find personalized auto insurance rates from respected insurance companies.


How to get an SR-22 in Indiana


If you have auto insurance:

If you already have car insurance, obtaining an SR-22 certificate should be easy. Call up your insurance company request they file a SR-22 request on your behalf. If your current car insurance company won't file a request, you'll need to look for a new car insurance company.

Uninsured drivers:

When applying for auto insurance, you might face an additional fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 certification may disqualify you from buying insurance from some companies, while others may happily sell you a policy.

Don't own a vehicle?

If you don't own a vehicle, it could be more difficult to obtain an SR-22, as you will need to furnish proof of insurance to get a certificate. If you don't own a car, purchase a non-owners auto insurance policy before filing an SR-22 request. Non-owners auto insurance is typically cheaper than a traditional policy since it doesn't cover physical damage to your automobile.

Methodology and data sources

Between September and December 2017, The Zebra conducted in-depth pricing analysis using its proprietary quote engine, comprising data from rating systems and public rate filings. The Zebra examined almost 53 million premiums to explore trends related to specific car insurance pricing factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.

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