Indiana SR22 Insurance

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Indiana SR22 Insurance

Looking for affordable Indiana SR22 insurance quotes for license reinstatement?

Indiana drivers with a suspended license must file an Indiana SR22 insurance certificate for license reinstatement. An SR22 filing guarantees the state that you’ll have proper liability insurance coverage for a specific time in the future. Another document, Indiana SR50, verifies that you currently have the minimum liability insurance coverage the state requires. Usually, both documents are submitted together to the Indiana BMV.

Finding your best rate for Indiana SR22 insurance is crucial since it’s usually more expensive than standard auto insurance. It can be challenging to look for SR22 insurance, so why not let UltraCar Insurance it for you? Our agents will find the best rate for you from top-rated insurance companies. We’ll file your SR22 certificate quickly and accurately – in as little as twenty minutes from start to finish. Our goal is to save you frustration, time, and money so you can get back on the road.

Reasons to get Indiana SR22 insurance.

The most common reason for driver’s license suspension is driving without state-required minimum insurance coverage. Other reasons people need high-risk insurance is to reinstate driving privileges after:

  • A DUI or DWI conviction
  • Accumulating too many traffic tickets (points)
  • Having multiple at-fault accidents
  • Legal judgments and child support or neglect cases

The state requires you to carry Indiana SR22 insurance to reinstate your license after a suspension. Filing the SR22 certificate guarantees you’ll stay adequately insured in exchange for reinstatement of driving privileges.

How does Indiana SR22 insurance work?

Indiana SR22 insurance is a financial responsibility form. The form is attached to your auto insurance policy if you own a vehicle. Your insurance provider electronically files the SR22 certificate with the Indiana Bureau of Motor Vehicles (BMV), which completes the reinstatement process.

Most of the time, drivers need to carry SR22 insurance for 3 to 5 years. The insurance company monitors your policy throughout the required time to verify it’s in good standing. If your policy lapses at any time, your insurance provider must submit an SR26 form to the Indiana BMV. This filing notifies the state that you are no longer insured, which results in another license suspension.

Indiana requires another document called Indiana SR50, which verifies that you have insurance before reinstating your license. So, Indiana SR50 proves current minimum liability insurance coverage, and SR22 promises future insurance coverage for a specific time. UltraCar Insurance files both of these certificates together for our clients.

Indiana SR22 without a car

When you don’t own a vehicle, you will purchase Indiana non-owner car insurance. Non-owner insurance covers only you, the policyholder. It serves as secondary insurance when you borrow a car to drive occasionally. Suppose you’re at fault in an accident. In that case, your non-owner SR22 policy covers claims remaining if the vehicle owner’s primary insurance limits are insufficient. Non-owner Indiana SR22 insurance does not cover cars owned by others in your household or other types of vehicles. See Non Owner Insurance Coverage for additional information.

Minimum liability coverage requirements in Indiana

Indiana requires all drivers to carry the following minimum liability insurance coverage:

  • $25,000 bodily injury per accident
  • $50,000 bodily injury liability for all injuries in an accident
  • $10,000 in property damage in one accident

Indiana BMV

You’ll find more information about license suspension and reinstatement on the Indiana BMV Website.

UltraCar Insurance in Indiana

Get no-obligation quotes for owner and non-owner Indiana SR22 insurance from UltraCar Insurance. We’re a leading company for all your auto and high-risk insurance needs. Click the quote button above, or give us a call today! We value your business and are here to help.

This article was last updated on March 30th, 2023 by

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