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Indiana SR22 SR50 Insurance

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Cheapest SR22 non owner and auto insurance Indiana.  The Indiana BMV, Bureau of Motor Vehicles may require an SR-22 or an SR-50 insurance certificate to be on file to get your license reinstated after a suspension, driving without insurance, or by court order.  The difference between them is the SR-22 is proof of auto insurance for the state that shows continuous coverage with no lapse for a specified amount of time (usually 3 years).  The Indiana SR50 insurance certificate is an affidavit that proves you have the state legal insurance limits at the time you get your driver’s license reinstated.

Similar to an SR22 insurance policy, the SR50 can be written on an auto, non owner or motorcycle Insurance policy. Wessell Insurance Services, LLC can provide you with the cheapest SR-22 or SR50 insurance quote to get your license reinstated.

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The SR50 certificate must be electronically filed by the driver’s insurance company with the Indiana Bureau of Motor Vehicles. In Indiana the SR-22 serves as a certificate of future financial responsibility and is required to get your drivers license reinstated when you have been convicted of a DUI/DWI, when a person’s license was suspended for failure to provide proof of financial responsibility, or for certain convictions that require you to maintain a SR-22 certificate.

When you are legally required to file an SR50/SR22 certificate of future financial responsibility you must maintain the SR50 for the duration of three to five years as dictated by the Indiana BMV.

The main difference between the two is that the insurance company is legally obligated to notify the state BMV when a SR-22 policy is cancelled or has lapsed. This is referred to as a SR-26.  Please note that the SR50 and the SR-22 are not insurance policies and offer no insurance coverage, they serve as riders attached to the policy to distinguish them from other policies.  Both provide proof to the state that you have the legal liability limits as set by the Indiana BMV.

In the State of Indiana, it is illegal to operate a motor vehicle or a motorcycle without liability insurance coverage.  It is also illegal for any motor vehicle owner to allow anyone else to drive the vehicle without insurance.  Every state mandates specific limits of liability insurance, Indiana’s legal limits of liability are:

Minimum mandatory insurance coverage for the State of Indiana is:  Updated February 06, 2024
$25,000 bodily injury for one person in one accident
$50,000 for two or more persons in one accident
$25,000 property damage incurred in one accident

Generally, law enforcement officials will ask for proof of insurance at the time of a traffic stop or at the time of an accident in which damage or injury occurs.  A valid insurance card must be presented to provide proof of insurance coverage.  If, however, a policy has lapsed or has not been renewed, the Indiana Bureau of Motor Vehicles will suspend operator’s privileges until proof of insurance is provided. In this case he would be required to get a SR50 certificate of current insurance.  If, because of a violation or an accumulation of violations, such as reckless driving, driving under the influence (DUI) or (DWI), or refusal to test, at fault accidents or driving without insurance, the Indiana BMV will mandate proof of financial responsibility in the form of SR-22 insurance.   This insurance is also known as high-risk auto insurance.

State motor vehicle departments do not maintain databases of individual insurance policies.  However, insurance companies provide the riders on policies to help the state identify and track them.  Legally, the insurance company must notify the state that a insurance policy with a SR-22 rider attached has cancelled, lapsed or has not been renewed by electronically filing a SR-26 with the state of Indiana BMV.  Unfortunately, unless the driver has satisfied the BMVs mandated time frame of either three or five year duration, the driver’s license will be suspended again.

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Who is considered a high risk driver?

They are individuals who exhibit poor driving habits interlaced with risky behavior.  These habits are most often displayed when operating a motor vehicle while intoxicated (BAC of over .08) or in an unsafe manner.  Speeding, reckless driving and accumulation of at fault accidents, multiple citations for various violations indicate a high-risk level of behavior.  Also, Statistics have shown that individuals with poor credit ratings tend to report more claims as well as those who have difficulty financially maintaining continuous auto insurance coverage.

Finally, education levels and environmental factors play a large part in defining high-risk individuals.  Again statistics show that city residents tend to have more accidents due to high population levels than those who live in suburban or rural areas.  Sex, age and gender also determine high-risk insurance needs.  Younger males exhibit riskier behavior. Women have fewer risk factors than men.  Ultimately, the insurers and the DMV determine an operator’s requirement for SR-22 high-risk auto insurance.

What is High-Risk SR-22 financial responsibility insurance?

A SR-22 insurance policy is a rider to a high-risk auto insurance policy.  It is a guarantee, by the insurance company, that the driver has and will keep in effect at least the very basic mandatory liability insurance for a specific period of time.  It is a mechanism for the State of Indiana to monitor the driver’s responsibility to obtain and maintain an SR-22 insurance policy. Not all insurance companies can or will provide SR-22 insurance coverage.

How can an operator reinstate a suspended license?

To comply with the State of Indiana’s requirement, you can purchase liability insurance utilizing the Indiana minimum requirements in filing a SR50 or SR-22 high-risk auto insurance form with the State BMV.  These policies may be one of two types:

1) An owner policy – an insurance policy that provides liability coverage for the owner’s personal vehicle will be described in the insurance Declaration sheet.  It can also be written and issued with collision and comprehensive coverage.  Full coverage, uninsured motorist, underinsured motorist, medical payments, towing and rental car payments may also be covered with additional premiums.

 A non-owner policy – can be purchased if there are no automobile registered in your name, and that applies to  all states.  However, a non owner policy can be purchased if there is a vehicle/s in the household, but not registered to your name.   The exception to this rule is a husband and wife who own a vehicle.  In that scenario, the vehicle has to be listed.

These policies are issued by an agent in cooperation with an insurance company licensed to operate in the State of Indiana. After the policy is issued, the insurer’s main office electronically files a SR50 or SR-22 high-risk auto insurance form with the Indiana BMV.  The agent writing the policy also files aSR50 or SR-22 insurance form with the State of Indiana and the insured receives a copy of the SR50/SR-22 insurance form along with the policy and proof of insurance cards.  Both Owner and non-owner SR50 and SR-22 high-risk insurance policies can also be written for motorcycles.

Another form of compliance to indicate financial responsibility would be to purchase a bond in the amount specified by the State of Indiana – usually between $30,000 and $50,000.  An authorized surety or insurance company may issue the bonds.  For additional information regarding Indiana financial responsibility SR-22 high-risk auto insurance.  If you need an interlock (blowing device) INTOXALOCK is the way to go

Indiana BMV Financial Responsibility Center

531 Virgina Avenue, Indianapolis, IN 43204.

Phone (317) 232-2840


Call Wessell Insurance Services to get a free Indiana SR-22 / SR-50 quote today #1-866-663-7561 or fill out the quote form and
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