How to Get Non-Owner SR-22 Insurance in Indiana
If you’re required to file an SR-22 in Indiana but don’t have a car, you’ll need to invest in non-owner car insurance.
Written by Liz Jenson
Reviewed by Brenna Swanston
If you’re required to file an SR-22 form in
Indiana
but don’t own a car, non-owner SR-22 insurance is the answer. Just keep in mind that you may need to shop around to find an insurance provider that offers this type of coverage!Typically, you’ll only need to show proof of insurance in Indiana when you commit a traffic violation, get into an accident, or have your vehicle inspected. If you’re labeled a high-risk driver by the state of Indiana, however, you’ll be required to do a little more.
If you’ve been convicted of a major driving violation or an insurance violation, you may be required to file an SR-22 form with the Indiana Bureau of Motor Vehicles (BMV) to prove that you have adequate
car insurance
coverage. If you don’t have a car of your own, though, you may be wondering what type of insurance you need.Non-owner car insurance is the answer! Let’s take a closer look at this type of insurance, and how you can get it in Indiana.
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You may have heard the term SR-22 in the context of phrases like “SR-22 insurance”,
an SR-22
is a certificate of financial responsibility, not a type of insurance.An SR-22 form is filed with the Indiana BMV by your insurance provider. This document proves that you have a car insurance policy that meets
state minimum requirements
and is typically filed after you’ve lost your driving privileges due to a serious offense, like a DUI/DWI, reckless driving, or drag racing.In cases like these, you may be required to file an SR-22 in addition to paying your reinstatement fee to get your license back. If you’re convicted of insurance violations in Indiana, you’ll also typically be required to file an SR-22 certificate to get back on the road.
Indiana auto insurance requirements
- Bodily injury liabilitycoverage of $25,000 for the injury or death of one person and $50,000 for the injury to or the death of two people in one accident
- Property damage liabilityof $25,000 for one accident
Other types of car insurance are a good idea, but these are the only types of coverage that you’ll be required to hold under Indiana state law.
MORE: Everything you need to know about Indiana’s texting and driving laws
Who needs an SR-22?
In Indiana, you’ll be required to file an SR-22 through your insurance company if you’re convicted of any of the following offenses:
- Reckless driving
- Vehicular manslaughter
- Drag racing
- Offenses that lead to driver's license suspension
Filing an SR-22 also increases your car insurance rates, so prepare to pay more for the required coverage if you commit any of these offenses.
MORE: Indiana hit-and-run
How to get non-owner SR-22 insurance in Indiana
If you don’t own a car but are still required to submit an SR-22, you’ll need to invest in
non-owner car insurance
. This type of coverage meets Indiana’s minimum liability coverage requirements for drivers who want to get their licenses back!To get a non-owner SR-22 policy, you’ll need to shop around. Here’s how:
- Contact local insurers to see which ones offer non-owner insurance policy options.
- Comparing car insurance quotes can help you find the best deal. Typically, it’s a good idea to get at least three to five quotes before choosing a policy.
- Check for any insurance discounts available to you. This is especially important for drivers convicted of major offenses since they typically face higher rates. Some companies lower your premiums if you take a defensive driving course or pay your bill in full.
You’ll be required to keep this policy for as long as your SR-22 filing requirement is in effect, usually between three and five years. If you plan to keep driving after your filing requirement period is up, though, you’ll still need car insurance to legally get behind the wheel! Otherwise, you could end up with another SR-22 requirement at your next traffic stop.
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Can anyone get an SR-22 in Indiana?
You’ll only need to file an SR-22 in Indiana if you have a history of serious driving infractions. Minor traffic violations won’t lead to an SR-22 in Indiana unless you have a lot of offenses on your record.
How long does an SR-22 last in Indiana?
In Indiana, an SR-22 typically lasts for three to five years. For your first offense, you’ll only have an SR-22 filing requirement for three years. For repeat offenders and drivers who have committed very serious offenses, the filing requirement may last for five years.
