Affordable SR-22 Coverage Made Simple
SR-22 Insurance in Indiana
Indiana may require SR-22 insurance for those whose licenses are suspended for DUI/OWI or repeated insurance violations.
Understanding SR-22 Insurance in Indiana
If you've encountered license suspension due to DUI, repeated traffic violations, or driving without insurance, you may need SR-22 insurance in Indiana to get back on the road. Indiana SR-22 insurance is not a traditional policy but a certificate proving you meet the state’s minimum liability insurance requirements.
At Breathe Easy Insurance, we specialize in helping drivers secure affordable SR-22 insurance in Indiana, including non-owner policies for those who don’t own or have regular access to a vehicle. With our expertise, you can find affordable SR-22 insurance in Indiana while ensuring compliance with state requirements.
Key Features of Indiana SR-22 Insurance
Minimum Liability Coverage Requirements
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage per accident
Drivers Required to Carry SR-22 Insurance
Indiana may require this proof for drivers with certain violations, such as:
- DUI/OWI convictions
- Driving without insurance
- Repeated traffic violations
SR-22 Filing and Compliance
If required, your insurance provider files the SR-22 form with the Indiana Bureau of Motor Vehicles (BMV) to verify your compliance with state law.
Duration of SR-22 Requirement
If required to file an SR-22 form, the typical duration is 3 years, but may vary depending on the offense.
Get Your Indiana SR-22 Quote Today
Get a Free Quote Today! Call 844-580-7525
Non-Owner SR-22 Insurance in Indiana
Even if you don’t own a car, you may need "non-owner SR-22 insurance" if you want to get your license back.
What is Non-Owner SR-22 Insurance?
- Provides liability coverage for drivers who occasionally borrow or rent vehicles.
- Excludes coverage for vehicles owned by the driver or frequently used, per policy terms.
- Typically less expensive than traditional SR-22 policies since it offers limited coverage.
Non-owner SR-22 insurance is ideal for individuals who borrow vehicles from friends or family, use ridesharing services or rental cars, or need to meet Indiana SR-22 insurance requirements without owning a vehicle.
At Breathe Easy Insurance, we have expertise in providing non-owner SR-22 policies tailored to fit your lifestyle and budget.
How Much Does SR-22 Insurance in Indiana Cost?
The SR-22 Indiana insurance cost depends on factors such as your driving history, age, and the coverage type you select. The SR-22 Indiana filing fee is typically $25, but your overall costs such as premiums may vary based on your chosen carrier and increased risk associated with your violation. Some insurance companies may charge a monthly fee to maintain your Indiana SR-22.
To find the cheapest SR-22 insurance in Indiana:
- Compare rates from multiple providers.
- Work with a licensed insurance agent who specializes in high-risk coverage.
Breathe Easy has independent agents who do the SR-22 rate shopping for you to help you find the best rates and coverage for your situation.
Consequences of Failing to Comply with Indiana SR-22 Insurance Requirements
Failing to comply with Indiana SR-22 requirements can result in penalties such as license suspension or additional fines. For some drivers, additional requirements such as an ignition interlock device (IID) may apply.
Don’t let a mistake on the road keep you from moving forward. Breathe Easy Insurance is here to help you regain your driving privileges and meet Indiana’s SR-22 requirements.
Penalties for DUI Conviction in Indiana
First Offense (BAC below .15)
Fine(s): Up to $500
Driver's License Supspension: 180 days to 1 year
First Offense (BAC .15 or above)
Fine(s): Up to $5,000
Driver's License Supspension: 180 days to 1 year
Second Offense
Fine(s): Up to $10,000
Driver's License Supspension: 180 days to 2 year
FAQs About SR-22 in Indiana
How do I file an SR-22 in Indiana?
Your insurance provider files the SR-22 form with the Indiana BMV on your behalf. Contact Breathe Easy Insurance to get started.
How long do I need SR-22 insurance in Indiana?
If required, the typical duration is three years, but this can vary based on your offense.
Can I get SR-22 insurance in Indiana without a vehicle?
Yes, non-owner SR-22 insurance is available for drivers who need coverage but don’t own a car.
What happens if my SR-22 insurance lapses?
A lapse in coverage can result in license suspension and additional fines. It’s critical to maintain continuous coverage during your SR-22 period.
Why Choose Breathe Easy Insurance for SR-22 Coverage in Indiana?
Fast Filing
We handle your SR-22 filing with the DMV, ensuring quick and accurate compliance.
Affordable Rates
By shopping quotes from DUI-forgiving insurance carriers, we secure competitive pricing tailored to your needs and no hidden fees.
Expert Guidance
Our team is dedicated to helping you understand your options and choose the best policy.
Non-Owner Options
We provide specialized SR-22 insurance for drivers without a car, ensuring compliance at an affordable price.
Get Your Free Indiana SR-22 Insurance Quote Today
Breathe Easy Insurance Solutions specializes in helping high-risk drivers find affordable SR-22 insurance in Indiana. Whether you need coverage with or without a vehicle, our licensed agents can assist you every step of the way. Call 844-580-7525 today to get started and regain your driving privileges.
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