Sr22 Insurance Indiana: What You Need to Know

Driving without insurance is illegal in Indiana, and if you are caught driving without any coverage, the consequences can be severe. You may face fines, license suspension or even jail time. If you have been convicted of certain offenses, including DUI or reckless driving, you may be required to get SR22 insurance.

What is SR22 Insurance?

SR22 insurance is a type of high-risk insurance that is required by the state to prove that you have liability coverage. This coverage must meet or exceed the minimum requirements in Indiana, which are:

If you are required to get SR22 insurance, your insurance company will file an SR22 form with the Indiana Bureau of Motor Vehicles (BMV) on your behalf. This form is proof that you have the necessary liability coverage, and it must be maintained for a specific period of time.

How Long Do You Need SR22 Insurance?

The length of time that you need to maintain SR22 insurance varies based on your individual circumstances. In Indiana, the minimum requirement for SR22 insurance is 3 years. However, the exact duration will depend on the offense that led to your requirement for SR22 insurance. Your insurance company can provide you with more information specific to your situation.

How Much Does SR22 Insurance Cost in Indiana?

The cost of SR22 insurance in Indiana can vary depending on a number of factors, including:

• Your driving history
• The offense that led to your requirement for SR22 insurance
• Your age
• Your location
• The amount of coverage you need

On average, you can expect to pay anywhere from $25 to $50 per month for SR22 insurance in Indiana.

Where Can You Get SR22 Insurance in Indiana?

Not all insurance companies offer SR22 insurance, so it may take some research to find an insurance company that can provide this type of coverage. Some companies that offer SR22 insurance in Indiana include:

• State Farm
• Geico
• Progressive
• SafeAuto
• Allstate

It is important to shop around to find the best rates for your situation. You can also consult with an independent insurance agent who can help you find the right coverage for your needs.

FAQ

Q: What offenses require SR22 insurance in Indiana?

A: The offenses that require SR22 insurance in Indiana include DUI, reckless driving, driving without insurance, and driving with a suspended or revoked license.

Q: Can I get SR22 insurance if I don’t own a car?

A: Yes, you can get non-owner SR22 insurance if you do not own a car but still need to meet the SR22 insurance requirements.

Q: What happens if I let my SR22 insurance lapse?

A: If you let your SR22 insurance lapse, your insurance company is required to notify the BMV. This can result in the suspension of your driver’s license.

Q: Can I cancel my SR22 insurance once I no longer need it?

A: Yes, you can cancel your SR22 insurance once you no longer need it, but it is important to make sure that you have met the required time frame for maintaining coverage.

Q: Will SR22 insurance increase my premiums?

A: Yes, SR22 insurance is considered high-risk insurance, so you can expect to pay higher premiums than you would for standard insurance coverage.

By understanding what SR22 insurance is and how it works, you can make sure that you are meeting your legal requirements while also protecting yourself on the road. With the right insurance coverage, you can have peace of mind knowing that you are covered in the event of an accident or other incident.