If you’ve been required to file an SR22 in Indiana, you’re likely looking for the most affordable and reliable options. Whether you’ve had a license suspension or traffic violation, securing cheap SR22 insurance in Indiana is essential to getting back on the road quickly and legally. In this article, we will explore everything you need to know about SR22 insurance in Indiana, including how it works, how much it costs, and how you can get the best rates with Insured ASAP.
What is SR22 Insurance in Indiana?
An SR22 is not a type of insurance but rather a certificate that proves you have the minimum required car insurance coverage. If you’ve been caught driving without insurance or committed certain traffic violations, the state of Indiana may require you to file an SR22 form to reinstate your driver’s license. SR22 insurance prices in Indiana can vary, but it’s generally higher than regular auto insurance due to the increased risk associated with drivers who have a history of violations.
How Does an SR22 Work in Indiana?
The Role of SR22 Insurance – What is it?
When you’re required to file an SR22 in Indiana, it means that you must show proof of financial responsibility to the state. This is typically done through auto insurance coverage with an SR22 filing. Insurance providers like Insured ASAP are licensed to file SR22 forms with the Indiana Bureau of Motor Vehicles (BMV) on your behalf, so you don’t have to handle it yourself.
SR22 filing is electronic, and instant. This speeds up the process of drivers license reinstatement.
Types of SR22 Insurance in Indiana
There are three main types of SR22 filings:
- Owner SR22: This is the most common type and applies if you own a vehicle and drive it regularly.
- Non owner SR22: If you don’t own a car but need to drive one occasionally, this filing is for you as a driver only.
Insured ASAP can help you navigate these options and ensure that you get the appropriate SR22 for your specific needs.
SR22 Insurance Costs in Indiana
How Much is SR22 Insurance Per Month in Indiana?
The price of SR22 insurance in Indiana does vary and is based on several factors, such as your driving history, the insurance provider, and the type of vehicle you drive. On average, SR22 insurance in Indiana can cost anywhere from $22 to $39 per month in addition to your regular car insurance premium.
The chart below indicates monthly non-owner SR22 insurance premiums in Indiana’s largest cities.
| City | SR22 Monthly Rate ($) |
|---|---|
| Indianapolis | $39 per month |
| Fort Wayne | $32 per month |
| Evansville | $35 per month |
| South Bend | $38 per month |
| Carmel | $22 per month |
| Fishers | $23 per month |
| Bloomington | $30 per month |
| Hammond | $37 per month |
| Lafayette | $28 per month |
| Gary | $39 per month |
*Rates are based on favorable rating conditions such as age, driving record, address, prior insurance and credit history, etc.
For example, a driver in Indianapolis IN will pay $39 per month for basic non owner liability only SR22. If you’ve had multiple violations or a history of not maintaining proper insurance, your rates may be higher. However, Insured ASAP works with a range of providers to ensure that you get the cheapest SR22 insurance in Indiana.
Factors Influencing the SR22 Insurance Price
Several factors can affect how much you pay for SR22 insurance, including:
- Driving History: If you’ve had violations such as DUI, reckless driving, or failure to provide proof of insurance in Indiana, you can expect higher rates.
- Age and Gender: Younger drivers and male drivers tend to pay higher insurance premiums.
- Type of Coverage: The more comprehensive your coverage, the higher the premium. The minimum required coverage for SR22 is usually liability insurance.
- Vehicle Type: Luxury or high-performance cars may increase your premium.
At Insured ASAP, we understand that affordability is key, which is why we strive to offer the best SR22 insurance in Indiana at prices that fit your budget.
Do You Need SR22 Insurance in Indiana Without a Vehicle?
Getting SR22 Insurance Without Owning a Vehicle
If you don’t own a vehicle but need to reinstate your driver’s license, you can still get a low rate SR22 insurance quote online through a non-owner SR22. This policy provides the minimum required liability coverage when driving vehicles that aren’t your own.
This type of SR22 insurance is typically cheaper than regular insurance policies because it doesn’t cover a specific vehicle but still satisfies the state’s requirements. If you’re unsure which type of SR22 is right for you, Insured ASAP can guide you through the process and help you find the most affordable solution.
How Long Do You Have to Hold an SR22 in Indiana?
In Indiana, the length of time you are required to carry SR22 insurance depends on the violation that led to the filing requirement. Typically, an SR22 is required for a period of two years, though this can vary.
Common Scenarios for SR22 Filing in Indiana:
- DUI or DWI: If convicted of a DUI or DWI, you may be required to carry an SR22 for at least two years.
- Failure to Provide Proof of Insurance: If you were caught driving without insurance, you may also be required to maintain SR22 coverage for a set period.
- License Suspensions: If your driver’s license was suspended for other reasons, an SR22 may be necessary for reinstatement.
Once the required period has passed, you can typically remove the SR22 filing from your insurance policy. However, make sure you maintain continuous coverage during the SR22 period, as any lapses in coverage could result in a longer SR22 requirement.
What Happens if You Fail to Provide Proof of Insurance in Indiana?
Failure to provide proof of insurance in Indiana is a serious violation that can result in fines, license suspension, and an SR22 requirement. If you’re caught driving without insurance, the BMV will notify you, and you may be required to file an SR22 to reinstate your license. Typically, these types of insurance policies have a very minimum to no grace period, so be sure payments are made in time to avoid suspension.
To avoid these consequences, it’s important to always carry valid insurance and provide proof when asked. If you’ve been penalized for failure to provide proof of insurance Indiana, Insured ASAP can help you get back on the road with affordable SR22 insurance.
Why Choose Insured ASAP for Your SR22 Insurance in Indiana?
We Offer the Cheapest SR22 Insurance in Indiana
At Insured ASAP, we pride ourselves on offering the cheapest SR22 insurance in Indiana. Our partnerships with top-rated insurers allow us to pass on savings to our clients, helping you stay within budget while meeting Indiana’s insurance requirements.
Quick and Easy Online Quotes
We understand that time is of the essence when you need to file for SR22 insurance. That’s why we offer the best SR22 options available online, so that you can get the coverage you need quickly and easily. With just a few clicks, you can receive a quote and get your SR22 filed with the BMV.
Expert Guidance Every Step of the Way
Navigating the SR22 process can be confusing, but at Insured ASAP, we make it simple. Whether you need a non-owner SR22 or a standard SR22, our team of experts will guide you through the paperwork and ensure that your filing is done correctly. We also provide advice on how to reduce your insurance costs and improve your driving record.
Reliable Coverage
When it comes to high risk insurance like SR22, reliability is key. Insured ASAP works with reputable providers who offer strong coverage, so you can rest assured that you are meeting the state’s requirements and driving with peace of mind. Whether license plate suspension or drivers license suspension, we understand the requirements of Indiana and get you back on the road in no time.
Get Started Today
Whether you’re looking for cheap SR22 insurance in Indiana online or want to compare prices for the best SR22 insurance Indiana has to offer, Insured ASAP is your go-to source for affordable and reliable SR22 coverage. We understand the challenges that come with needing an SR22, and we’re here to help you get the best rates and coverage possible.
Contact Insured ASAP today to get your SR22 filed and start saving on your auto insurance premiums!
