If you’ve recently received a letter from the state or an order from an Indiana traffic judge, you’re probably wondering where to find cheap SR22 insurance in Indiana. But before buying an SR22 certificate online or from the office down the street, it is a wise idea to understand what SR22 insurance is exactly.
If you’re in search for cheap SR22 insurance in Indiana, you’ve come to the right place. Insured ASAP Insurance Agency provides cheap SR22 insurance quotes in minutes – Whether online or by phone!
What is SR22 Insurance?
SR22 is proof of a driver’s financial responsibility. You may also hear it called as an SR22 certificate. SR22 was designed to make it difficult for drivers considered high risk to drive a vehicle in the state An SR22 is proof of financial responsibility. You may also hear it called SR22 insurance, Certificate of Financial Responsibility or CFR. The SR22 policy was created to make it challenging for drivers considered high-risk to operate a vehicle without insurance.
Remember, it’s the law to carry liability insurance when driving a vehicle in the state of Indiana.
The Indiana Bureau of Motor Vehicles uses the SR22 filing certificate for Indiana residents to verify they have met the mandated insurance requirements. Indiana’s Financial Responsibility law requires every driver to maintain liability limits of at least:
- $25,000 Bodily Injury per Person
- $50,000 Bodily Injury per Accident
- $25,000 Property Damage
- $50,000 Under Insured Motorist Bodily Injury
It is required to provide proof of insurance, in the form of an auto insurance id card, to the authorities during a traffic stop.
Once the Indiana BMV mandates SR22 filing, it is required that a driver maintains SR22 filing for a period of 3 years. If you have to file, the filing period starts when you are first eligible for a restricted driver’s license.
Drivers may be considered high-risk if any of the following scenarios apply:
- Found driving without valid insurance
- Caught driving without a valid license (expired, suspended or revoked)
- Caught driving while under the influence of drugs or alcohol (DUI or DWI)
- Operating a vehicle with an expired license plates
How Much is SR22 Insurance in Indiana?
In the State of Indiana, non owners SR22 insurance starts at $19.00 per month for drivers with favorable conditions.
Insurance carriers determine your insurance rates by calculating your risk. They use details including driver’s age, license status, MVR record, marital status, vehicle type, geographical location, etc.
Indiana Non Owners SR22 Insurance
A common question we receive is – Can you get SR22 insurance without a car? The answer to this question is Yes. Non owners insurance was created by insurance companies for people who may regularly drive other peoples’ vehicles, but don’t own their own vehicle.
It is important to mention that any vehicle on the road must be properly insured by the vehicle owner.
Where to Get The Cheapest SR22 in Indiana
With dozens of insurance companies in Indiana, it can be confusing when trying to figure out which of those carriers provide SR22 insurance filing. With that in mind, once you narrow down your options on the carriers that do provide SR22 insurance in Indiana, you need to look for the most affordable options.
The best and easiest way to shop for SR22 insurance in Indiana is to contact an independent insurance agency that works with multiple insurance carriers that provide different options for different drivers. These independent insurance agencies do the “shopping” for you, and extend the best available insurance policy to you.
Insured ASAP Will Help You Find Cheap SR22 Insurance in Indiana
Keep in mind that maintaining a clean driving record, your past auto insurance payment history, and the type of vehicle you drive can impact your insurance premiums. If you are considered a problematic driver, your auto insurance rates may be higher than other Indiana drivers.
Insured ASAP offers affordable SR22 insurance to all residents of Indiana including Indianapolis, Fort Wayne, Evansville, South Bend, Carmel, Fishers, Bloomington, Hammond and Gary. If you are looking for cheap SR22 insurance in Indiana, don’t wait, call us today. The faster you purchase SR22, the faster you get your driving privileges reinstated and get behind the wheel worry free.
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