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Here’s what you need to know about SR-22 insurance in Indiana. Then learn how to save on your

Indiana car insurance

costs.

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What is SR-22 insurance in Indiana?

An SR-22 in Indiana provides a driver with legal recognition that they carry the state’s minimum amount of

liability car insurance

. Indiana’s coverage minimums are the following:

Property damage liability

: $25,000 per accident

Bodily injury liability

: $25,000 per person / $50,000 per accident

Who needs it?

Indiana law might require you to get an SR-22 form filed by your insurer if your license has been suspended or revoked due to a traffic violation or a conviction of a major driving offense.

Key Takeaway You might need SR-22 insurance in Indiana if you have been convicted of a serious offense, such as a DUI.

MORE:

Indiana car insurance laws—all you need to know

How to get it

You can get an SR-22 certificate in Indiana from an authorized insurance carrier. The insurance company will file the SR-22 form and a Certificate of Compliance with the Indiana Bureau of Motor Vehicles (BMV).

Most insurance companies operating in Indiana will provide SR-22 insurance upon request. That being said, you might run into problems finding an insurer if your license has been suspended or revoked. We recommend that you try shopping around for car insurance with the

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You will need to hold SR-22 insurance for three years after the first and second suspensions of your car insurance. The third and subsequent suspensions of your insurance will require you to hold SR-22 insurance for five years.

Key Takeaway If your license has been suspended or revoked, you might struggle to find an insurer, and if you cannot find an insurer, you cannot request an SR-22 certificate.

How much does it cost?

The filing fee for an SR-22 certificate is a small, one-time fee of about $50, but it will usually be accompanied by an expensive hike in your insurance premium. You might also have to pay reinstatement fees.

The increase in your insurance coverage costs will depend on the violation or charges on your record.

MORE:

Driving without a license: what are the penalties?

How an SR-22 impacts your insurance in Indiana

An SR-22 will impact both your car insurance rates and your choice of insurers.

If you have an SR-22, you will pay higher insurance premiums than a driver who has a

clean driving record

Also, not all insurance companies will insure drivers who need an SR-22 certificate, so you will be limited in your selection of insurers.

MORE:

What is a DUI (DUI vs. DWI)

How to find cheap car insurance

If you need to hold SR-22 insurance, odds are that you are looking at high

car insurance

premiums. Shopping around will help you find the best and most affordable policy.

If you’d rather leave the hard work of gathering quotes to someone else, use

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