If you’ve been required to file an SR-22 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 SR-22 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 SR-22 insurance in Indiana, including how it works, how much it costs, and how you can get the best rates with Insured ASAP.
What is SR-22 Insurance in Indiana?
An SR-22 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 SR-22 form to reinstate your driver’s license. SR-22 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 SR-22 Work in Indiana?
The Role of SR-22 Insurance – What is it?
When you’re required to file an SR-22 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 SR-22 filing. Insurance providers like Insured ASAP are licensed to file SR-22 forms with the Indiana Bureau of Motor Vehicles (BMV) on your behalf, so you don’t have to handle it yourself.
SR-22 filing is electronic, and instant. This speeds up the process of drivers license reinstatement.
Types of SR-22 Insurance in Indiana
There are three main types of SR-22 filings:
- Owner SR-22: This is the most common type and applies if you own a vehicle and drive it regularly.
- Non-owner SR-22: 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 SR-22 for your specific needs.
SR-22 Insurance Costs in Indiana
How Much is SR-22 Insurance Per Month in Indiana?
The price of SR-22 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, SR-22 insurance in Indiana can cost anywhere from $22 to $39 per month in addition to your regular car insurance premium.
The chart below indicates monthly non-owner SR-22 insurance premiums in Indiana’s largest cities.
| City | SR-22 Monthly Rate ($) |
|---|---|
| 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 SR-22. 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 SR-22 insurance in Indiana.
Factors Influencing the SR-22 Insurance Price
Several factors can affect how much you pay for SR-22 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 SR-22 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 SR-22 insurance in Indiana at prices that fit your budget.
Do You Need SR-22 Insurance in Indiana Without a Vehicle?
Getting SR-22 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 SR-22 insurance quote online through a non-owner SR-22. This policy provides the minimum required liability coverage when driving vehicles that aren’t your own.
This type of SR-22 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 SR-22 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 SR-22 in Indiana?
In Indiana, the length of time you are required to carry SR-22 insurance depends on the violation that led to the filing requirement. Typically, an SR-22 is required for a period of two years, though this can vary.
Common Scenarios for SR-22 Filing in Indiana:
- DUI or DWI: If convicted of a DUI or DWI, you may be required to carry an SR-22 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 SR-22 coverage for a set period.
- License Suspensions: If your driver’s license was suspended for other reasons, an SR-22 may be necessary for reinstatement.
Once the required period has passed, you can typically remove the SR-22 filing from your insurance policy. However, make sure you maintain continuous coverage during the SR-22 period, as any lapses in coverage could result in a longer SR-22 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 SR-22 requirement. If you’re caught driving without insurance, the BMV will notify you, and you may be required to file an SR-22 to reinstate your license.
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 SR-22 insurance.
Why Choose Insured ASAP for Your SR-22 Insurance in Indiana?
We Offer the Cheapest SR-22 Insurance in Indiana
At Insured ASAP, we pride ourselves on offering the cheapest SR-22 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 SR-22 insurance. That’s why we offer the best SR-22 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 SR-22 filed with the BMV.
Expert Guidance Every Step of the Way
Navigating the SR-22 process can be confusing, but at Insured ASAP, we make it simple. Whether you need a non-owner SR-22 or a standard SR-22, 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 SR-22, 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.
Get Started Today
Whether you’re looking for cheap SR-22 insurance in Indiana online or want to compare prices for the best SR-22 insurance Indiana has to offer, Insured ASAP is your go-to source for affordable and reliable SR-22 coverage. We understand the challenges that come with needing an SR-22, and we’re here to help you get the best rates and coverage possible.
Contact Insured ASAP today to get your SR-22 filed and start saving on your auto insurance premiums!
