SR-22 Requirements in Indiana
Motorists in Indiana who are convicted of serious traffic breaches like DUI or reckless driving that results in an accident sometimes need to obtain SR-22 insurance certification. SR-22 is not insurance; it is evidence of insurance that shows the driver meets the state’s minimum auto insurance coverage requirement. Depending on the driver’s conviction, the Indiana Bureau of Motor Vehicles (BMV) may require a Certificate of Compliance (COC) or an SR-22 form.
How Can I Find Reliable and Cheap SR-22 Insurance in Indiana?
Insurance carriers in Indiana often view motorists with serious road violations as higher risks. Apart from the small charge for the SR-22 form itself, your insurance agency will most likely increase your premium based on your violation’s seriousness.
In Indiana, the minimum policy coverage for this kind of insurance will cost you anywhere from an average of $600 to $2,000 a year. The average rate of a usual car insurance policy for motorists with a good driving record is $400 a year for the state-required minimum. Searching for affordable SR-22 insurance in this state might be challenging; however, it can be found.
Key Take Aways
- Usually, SR-22 forms come with a one-time charge that is about $25.
- Drivers will lose their eligibility for most driver discounts the moment they take a make a high-risk traffic breach, making SR-22 even more expensive.
- The cost of an insurance policy differs depending on the seriousness of the violation. Serious offenses like hit-and-run collisions will lead to a higher rate.
What Is SR-22 in Indiana?
It is vital to keep in mind that this SR-22 insurance isn’t an insurance policy in Indiana – rather it is a form that the insurance provider files on your behalf. It acts as evidence that you meet the requirements for Indiana’s minimum liability insurance coverage. SR-22 is important and necessary for motorists who commit a serious traffic infringement. Insurance after reckless driving or DUI is much more expensive than the rate for motorists with good driving records.
Drivers in Indiana applying for SR-22 need to show that they meet the minimum car insurance requirements imposed by the state, which are:
- $25,000 bodily harm liability coverage for every person
- $50,000 bodily harm liability coverage for every accident
- $25,000 property harm liability coverage for every mishap or accident
How Long Do I Need This SR-22 in Indiana?
Most of the time it is for three years in Indiana. Every state in the US has its own regulations about which traffic violations can lead to an SR-22 insurance requirement. In some instances, a motorist will require filing for this coverage after he or she commits a serious traffic infringement, such as:
- DUI or Driving Under Influence
- Reckless driving
- Driving with no insurance coverage
- Driving while your driver license is suspended
Normally, small or minor violations don’t need an SR-22 form. When an SR-22 is required, motorists in Indiana need to hold an SR-22 for three years after the initial and second suspensions of driving privileges. The 3rd and succeeding suspensions need SR-22 for five years. The car insurance carrier is required to notify the BMV if you fail to renew or if you stop paying for your car insurance.
Find Cheap SR-22 Auto Insurance Quotes
How Do I Get SR-22 in Indiana?
Car insurance providers who are willing to take on a high-risk driver in Indiana will file an SR-22 on behalf of their policyholders. Some insurance companies will not cover high-risk drivers. Those that provide coverage for motorists who require SR-22 forms normally charge a higher rate than the premium you may have paid prior to the violation.
SR-22 Insurance for Non-Owners in Indiana
SR-22 policies offer evidence that drivers have state-required car insurance coverage after being convicted of a serious driving violation. In Indiana, drivers who have had their driver licenses suspended or revoked because of driving violations, such as reckless driving or DUIs, need an SR-22 policy as evidence of insurance in order to reinstate their licenses, even when they do not have a car.
Motorists who don’t have a car but borrow or rent a car on a regular basis need proof of liability insurance. Non-owner SR-22 policy is considered the cheapest option in that kind of scenario.
FAQs about SR-22 Insurance in Indiana
Drivers in India looking for this insurance certification normally have questions regarding the filing process, the rates, and where to get a policy. Below are the answers to some common concerns and questions.
Which Drivers Require an SR-22 in Indiana?
SR-22 is for motorists who have committed serious traffic violations, like DUI and reckless driving causing an accident. It is proof that you have enough coverage to conform with Indiana’s minimum car insurance requirements.
Where Can I Get an SR-22?
If you need an SR-22, you can get or acquire a policy from a certified insurance firm. The firm will file the form on your behalf to the BMV.
How Much Do I Need to Spend for SR-22?
Car insurance rates for motorists who require SR-22 might differ; however, it is more costly than a typical policy for motorists with good driving records. You can plan to pay anywhere from up to double to up to triple the amount you paid before you were convicted. It depends on the severity of the offense.
Find Affordable SR-22 in Indiana Today!
If you are looking for an insurance company to provide affordable SR-22 certification in Indiana, you’ve come to the right place. Check out our partner site to get a no-hassle quick quote on SR-22 insurance.