Motorists in Indiana who are convicted of serious traffic breaches like DUI or reckless driving that results in an accident sometimes need to obtain SR-22 insurance certification. SR-22 is not insurance; it is evidence of insurance that shows the driver meets the state’s minimum auto insurance coverage requirement. Depending on the driver’s conviction, the Indiana Bureau of Motor Vehicles (BMV) may require a Certificate of Compliance (COC) or an SR-22 form.

Insurance carriers in Indiana often view motorists with serious road violations as higher risks. Apart from the small charge for the SR-22 form itself, your insurance agency will most likely increase your premium based on your violation’s seriousness.

In Indiana, the minimum policy coverage for this kind of insurance will cost you anywhere from an average of $600 to $2,000 a year. The average rate of a usual car insurance policy for motorists with a good driving record is $400 a year for the state-required minimum. Searching for affordable SR-22 insurance in this state might be challenging; however, it can be found.

• Usually, SR-22 forms come with a one-time charge that is about $25.
• Drivers will lose their eligibility for most driver discounts the moment they take a make a high-risk traffic breach, making SR-22 even more expensive.
• The cost of an insurance policy differs depending on the seriousness of the violation. Serious offenses like hit-and-run collisions will lead to a higher rate.

It is vital to keep in mind that this SR-22 insurance isn’t an insurance policy in Indiana – rather it is a form that the insurance provider files on your behalf. It acts as evidence that you meet the requirements for Indiana’s minimum liability insurance coverage. SR-22 is important and necessary for motorists who commit a serious traffic infringement. Insurance after reckless driving or DUI is much more expensive than the rate for motorists with good driving records.

Drivers in Indiana applying for SR-22 need to show that they meet the minimum car insurance requirements imposed by the state, which are:

• $25,000 bodily harm liability coverage for every person
• $50,000 bodily harm liability coverage for every accident
• $25,000 property harm liability coverage for every mishap or accident

Most of the time it is for three years in Indiana. Every state in the US has its own regulations about which traffic violations can lead to an SR-22 insurance requirement. In some instances, a motorist will require filing for this coverage after he or she commits a serious traffic infringement, such as:

• DUI or Driving Under Influence
• Reckless driving
• Driving with no insurance coverage
• Driving while your driver license is suspended

Normally, small or minor violations don’t need an SR-22 form. When an SR-22 is required, motorists in Indiana need to hold an SR-22 for three years after the initial and second suspensions of driving privileges. The 3rd and succeeding suspensions need SR-22 for five years. The car insurance carrier is required to notify the BMV if you fail to renew or if you stop paying for your car insurance.

Car insurance providers who are willing to take on a high-risk driver in Indiana will file an SR-22 on behalf of their policyholders. Some insurance companies will not cover high-risk drivers. Those that provide coverage for motorists who require SR-22 forms normally charge a higher rate than the premium you may have paid prior to the violation.

SR-22 policies offer evidence that drivers have state-required car insurance coverage after being convicted of a serious driving violation. In Indiana, drivers who have had their driver licenses suspended or revoked because of driving violations, such as reckless driving or DUIs, need an SR-22 policy as evidence of insurance in order to reinstate their licenses, even when they do not have a car.

Motorists who don’t have a car but borrow or rent a car on a regular basis need proof of liability insurance. Non-owner SR-22 policy is considered the cheapest option in that kind of scenario.

If you are looking for an insurance company to provide affordable SR-22 certification in Indiana, you’ve come to the right place. Check out our partner site to get a no-hassle quick quote on SR-22 insurance.