Cheapest SR-22 Insurance in Indiana for 2024 (Save Money With These 10 Companies)
Geico, State Farm, and Allstate offer the cheapest SR-22 insurance in Indiana, starting at just $27/month. Geico keeps it simple with a quick SR-22 filing process, State Farm provides valuable multi-policy discounts, and Allstate’s flexible payment plans make Indiana SR-22 coverage accessible and affordable.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
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UPDATED: Dec 13, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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19,116 reviewsCompany Facts
Min. Coverage for SR-22 in Indiana
A.M. Best Rating
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19,116 reviews
17,759 reviewsCompany Facts
Min. Coverage for SR-22 in Indiana
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
11,413 reviewsCompany Facts
Min. Coverage for SR-22 in Indiana
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviewsGeico, State Farm, and Allstate offer the cheapest SR-22 insurance in Indiana. Cheap Indiana SR-22 insurance costs start at $27/month.
Geico leads with rapid, hassle-free SR-22 filings, State Farm shines with large multi-policy discounts, and Allstate provides flexible payment plans to meet a variety of budgets.
Our Top 10 Company Picks: Cheapest SR-22 Insurance in Indiana
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $27 | A++ | Fast Filing | Geico |
 | #2 | $29 | B | Local Discounts | State Farm |
 | #3 | $32 | A+ | Broad Coverage | Allstate |
 | #4 | $35 | A+ | Multiple Drivers | Nationwide |
 | #5 | $36 | A++ | Loyal Customers | Travelers |
 | #6 | $38 | A | Farm Discounts | Farmers |
 | #7 | $41 | A+ | Online Savings | Progressive |
 | #8 | $45 | A | Family Focus | American Family |
 | #9 | $48 | A+ | Senior Benefits | The Hartford |
 | #10 | $50 | A | Custom Policies | Liberty Mutual |
These companies ensure simple compliance with reliable and affordable SR-22 auto insurance targeted at high-risk drivers in Indiana.
Discover how their unique programs can save money and simplify the process today. Or find cheap SR-22 auto insurance near you using our free quote comparison tool.
- SR-22 insurance in Indiana helps drivers meet state requirements after violations
- Geico is the top pick for affordable rates and quick SR-22 filing in Indiana
- Save 17% when bundling State Farm SR-22 with home or renters policies
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#1 – Geico: Top Overall Pick
Pros
- Budget-Friendly Pricing: Geico SR-22 insurance in Indiana costs $27 monthly. Get more quotes in our Geico auto insurance review.
- Simplified Processing: Fast filing for Indiana SR-22 insurance online ensures drivers have short waiting times.
- Strong Financial Stability: An A++ rating guarantees consistent claim reimbursements for SR-22 insurance in Indiana.
Cons
- Limited In-Person Support: Geico relies heavily on online platforms for SR-22 services in Indiana.
- Restricted Customization: There are few options for tailoring SR-22 coverage in Indiana to specific needs.
#2 – State Farm: Best for Local Discounts
Pros
- Bundling Benefits: Combines multiple policies for 17% savings on SR-22 premiums in Indiana.
- Competitive Pricing: SR-22 coverage in Indiana begins at $29/month with State Farm.
- Extensive Agent Network: Offers personalized assistance for SR-22 policies in Indiana through numerous agents.
Cons
- Rate Fluctuations: SR-22 prices in Indiana can vary significantly depending on location. Learn more in our State Farm auto insurance review.
- Lengthy Filing Time: SR-22 documentation in Indiana may take longer compared to digital-first providers.
#3 – Allstate: Cheapest for Broad Coverage
Pros
- Broad Selection: Allstate offers extensive SR-22 plans with several features in Indiana. Explore your options in our review of Allstate.
- Payment Flexibility: Adjustable payment plans make SR-22 expense management in Indiana easier.
- Financial Reliability: With an A+ rating, this company provides safe assistance for Indiana SR-22 claims.
Cons
- Higher Full Coverage Costs: Full coverage Indiana SR-22 insurance costs $94/month.
- Limited Savings Opportunities: Offers fewer discount programs for SR-22 policies in Indiana.
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#4 – Nationwide: Cheapest for Multiple Drivers
Pros
- Discounts for Multiple Drivers: Families with multiple drivers and vehicles can save up to 20% on Indiana SR-22 auto insurance. Get a list of discounts in our Nationwide auto insurance review.
- Financial Reliability: With an A+ rating, Indiana drivers can rely on Nationwide to fulfill SR-22 insurance claims.
- Low-Mileage Rewards: If you drive less than 11,000 miles annually, sign up for Nationwide SmartMiles to get cheap SR-22 insurance in Indiana.
Cons
- Expensive for Young Drivers: Teen drivers often pay more for SR-22 insurance with Nationwide than other Indiana car insurance companies.
- Average Savings Opportunities: Offers fewer discounts on Indiana SR-22 than other insurers.
#5 – Travelers: Cheapest for Loyal Customers
Pros
- Loyalty Savings: Travelers reward long-term customers with reduced rates on SR-22 coverage in Indiana. Read how in our Travelers auto insurance review.
- Membership Savings: Certain occupations and professional memberships will save drivers 5%-10% on Indiana SR-22 insurance.
- Superior Financial Strength: An A++ rating is an excellent help if you need to file SR-22 auto insurance claims in Indiana.
Cons
- Moderate Pricing: SR-22 plans in Indiana start at $36/month, not the most affordable option but not the most expensive.
- Limited Bundling Options: Fewer choices for combining SR-22 policies in Indiana with other coverages.
#6 – Farmers: Best for Farm Discounts
Pros
- Unique Savings: Farmers provides reductions on SR-22 policies in Indiana geared toward rural drivers.
- Adaptable Plans: Offers flexible SR-22 insurance in Indiana to match individual requirements.
- Reliable Assistance: Supported by an A rating for consistent claims handling in Indiana. Learn more in our Farmers auto insurance review.
Cons
- Higher Monthly Rates: SR-22 premiums in Indiana begin at $38/month, exceeding competitors like Geico.
- Limited Digital Resources: Online tools for managing SR-22 policies in Indiana lack advanced features.
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#7 – Progressive: Best for Online Savings
Pros
- Convenient Online Tools: Progressive’s platform simplifies the administration of SR-22 insurance in Indiana.
- Behavior-Based Savings: Earn discounts on SR-22 policies in Indiana through Progressive Snapshot. Find out how in our Progressive Snapshot review.
- Financial Security: Backed by an A+ rating for dependable claims assistance in Indiana.
Cons
- Elevated Starting Costs: SR-22 insurance in Indiana starts at $41/month, higher than average.
- Few Local Agents: Progressive has fewer in-person support options for SR-22 customers in Indiana.
#8 – American Family: Cheapest for Families
Pros
- Household-Centered Options: American Family designs SR-22 insurance in Indiana with family needs in mind.
- Loyalty Savings: Discounts reward long-term and legacy customers on SR-22 policies in Indiana.
- Strong Claims Reliability: Boasts an A rating, ensuring steady claims processing for SR-22 policies in Indiana. Get more insurance ratings in our American Family review.
Cons
- Higher Costs: In Indiana, SR-22 insurance costs $45 per month. This makes it less cheap than other companies offering the same service.
- Limited Availability: Fewer office locations provide face-to-face support for SR-22 coverage in Indiana.
#9 – The Hartford: Cheapest for Seniors
Pros
- Reduced Rates for Seniors: The Hartford gives cheap SR-22 plans in Indiana to older drivers. Compare prices and more in our The Hartford insurance review.
- High Claims Satisfaction: A+ rating reflects reliable claims service for SR-22 policies in Indiana.
- Established Reputation: The Hartford’s longstanding history adds trust to its SR-22 offerings in Indiana.
Cons
- Premium Pricing: SR-22 insurance in Indiana starts at $48/month, among the highest available.
- Basic Online Features: Digital management tools for SR-22 policies in Indiana lack advanced capabilities.
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#10 – Liberty Mutual: Cheapest for Custom Policies
Pros
- Personalized Plans: Liberty Mutual allows adjustments to SR-22 insurance in Indiana for specific needs.
- Bundling Opportunities: Combine SR-22 policies in Indiana with other coverage for savings.
- Financial Strength: Backed by an A rating for secure claims handling in Indiana. Get full ratings in our Liberty Mutual insurance review.
Cons
- Expensive Policies: SR-22 premiums in Indiana begin at $50/month, making it the priciest option.
- Complicated Filing: SR-22 insurance in Indiana could involve more steps than with more straightforward providers.
Full and Minimum SR-22 Coverage Rates in Indiana
Finding affordable SR-22 insurance in Indiana doesn’t have to be a hassle. Here’s a quick look at how much SR-22 insurance costs across top companies in Indiana. Whether you need minimum or full coverage auto insurance, this breakdown shows where you can get the best deals.
Indiana SR-22 Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $32 | $94 |
| $45 | $87 |
| $38 | $95 |
| $27 | $78 |
| $50 | $92 |
| $35 | $89 |
| $41 | $97 |
| $29 | $83 |
| $48 | $98 |
| $36 | $90 |
Geico gives you excellent value, with minimum coverage beginning from just $27/month and full coverage at $78/month. State Farm and Allstate keep costs affordable, too, while American Family is a strong option for complete coverage.
Best Indiana Auto Insurance Discounts for SR-22 Policies
Discounts can make a big difference in lowering your costs. Whether bundling policies or getting rewarded for safe driving, there are plenty of ways to cut down your premium.
Indiana drivers benefit from Geico’s military discount, cutting SR-22 premiums by up to 15% for active and retired service members.Jeff Root Licensed Insurance Agent
Here’s a breakdown of the discounts you can snag from top SR-22 providers in Indiana. From good student deals to safe driver programs, these options can help you keep more money in your pocket while staying covered. Check out what each provider offers to find the best fit for you.
Auto Insurance Discounts From the Top Providers for SR-22 in Indiana
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Anti-Theft Device, Good Student, Automatic Payment |
| Good Student, Defensive Driving, Multi-Policy, Early Signing, Loyalty |
| Multi-Car, Good Student, Homeowner, Bundling, Safe Driver |
| Multi-Car, Good Student, Defensive Driving, Military, Vehicle Equipment |
| Multi-Policy, Anti-Theft Device, Military, Good Student, Paperless Billing |
| SmartRide, Multi-Policy, Good Student, Accident-Free, Paperless Billing |
| Snapshot, Multi-Policy, Continuous Insurance, Good Student, Homeowner |
| Drive Safe & Save, Good Student, Multi-Policy, Vehicle Safety, Accident-Free |
| Defensive Driving, Bundle & Save, Driver Training, Vehicle Equipment, Paid-In-Full |
| Multi-Policy, Safe Driver, Continuous Coverage, Homeowner, New Car Replacement |
Geico leads the pack with discounts for military members and savings on vehicle equipment, perfect for budget-savvy drivers. State Farm’s Drive Safe & Save program rewards safe habits, while Progressive Snapshot tailors discounts based on how you drive.
Insurance discounts can take a big chunk off your premiums. Accident-free drivers save up to 30%, and good student, multi-vehicle auto insurance discounts, and multi-policy discounts each knock off around 25%.
Indiana Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Accident-Free | A+ | 30% | State Farm, Allstate, Geico, Indiana Farm Bureau Insurance |
| Good Student | A | 25% | State Farm, Allstate, Geico, Indiana Farm Bureau Insurance |
| Multi-Car | A | 25% | State Farm, Allstate, Nationwide, Indiana Farm Bureau Insurance |
| Multi-Policy | A | 25% | State Farm, Allstate, Nationwide, Indiana Farm Bureau Insurance |
| Driver Education | A- | 15% | State Farm, Allstate, Indiana Farm Bureau Insurance |
| Safe Driver | A- | 15% | State Farm, Allstate, Geico, Indiana Farm Bureau Insurance |
| Anti-Theft Device | B+ | 15% | Allstate, Nationwide |
Taking advantage of these deals is a smart way to save on SR-22 insurance in Indiana without cutting corners on coverage.
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Key Influences on SR-22 Premiums in Indiana
A few key things affect how much you’ll pay for SR-22 auto insurance in Indiana, so knowing what drives your premium rate can help you save money. Your driving record plays a significant role, and having multiple accidents, DUIs, or insurance lapses will require you to file Indiana SR-22 to reinstate your driving privileges. It will also raise your monthly auto insurance rates.
A mix of factors like accident rates, traffic density, and weather risks shapes Indiana’s auto insurance rates. This table highlights Indiana’s accident and claim numbers by city, showing what impacts premiums.
Indiana Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Average Claim Size | B | $5,000, below average |
| Weather-Related Risks | B | Occasional snow, ice, storms |
| Traffic Density | C | Moderate, urban areas congested |
| Uninsured Drivers Rate | C | 16%, above national average |
| Vehicle Theft Rate | C | Moderate theft in urban areas |
Indiana earns a “B” with a below-average claim size of $5,000. Weather risks earn a “B,” but traffic congestion, a 16% uninsured rate, and urban vehicle theft score “C” grades raise risks and auto insurance premiums.
Indianapolis leads with 25,000 accidents and 18,000 claims annually. Fort Wayne reports 8,500 accidents and 6,500 claims, while smaller cities like Fishers and Carmel see about 2,000 accidents annually.
Indiana Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Bloomington | 2,800 | 2,200 |
| Carmel | 2,500 | 2,000 |
| Evansville | 4,500 | 3,500 |
| Fishers | 2,000 | 1,800 |
| Fort Wayne | 8,500 | 6,500 |
| Indianapolis | 25,000 | 18,000 |
| Lafayette | 3,200 | 2,500 |
| Muncie | 3,000 | 2,400 |
| South Bend | 4,000 | 3,000 |
| Terre Haute | 3,200 | 2,700 |
These differences show how location significantly affects accident rates and insurance costs, with urban areas seeing higher numbers than smaller towns.
Understanding Indiana’s common auto insurance claims helps you plan for costs and choose the proper coverage. The table below highlights top claims, their frequency, and average costs, showing key risks.
5 Most Common Auto Insurance Claims in Indiana
| Claim Type | Portion of Claims | Average Cost per Claim |
|---|---|---|
| Property Damage Liability | 30% | $4,711 |
| Bodily Injury Liability | 25% | $20,235 |
| Collision | 20% | $3,588 |
| Comprehensive | 15% | $1,995 |
| Uninsured Motorist Claims | 10% | $15,000 |
Property damage tops claims at 30%, averaging $4,711; bodily injury follows at 25%, costing $20,235. Collision claims are 20% at $3,588, comprehensive 15% at $1,995, and uninsured motorist 10% at $15,000.
Read More: Best Auto Insurance After a DUI in Indiana
Top Picks for Affordable SR-22 Insurance in Indiana
Geico, State Farm, and Allstate offer the cheapest SR-22 insurance in Indiana, with efficient filing processes and flexible payment plans.
Geico offers fast SR-22 filing starting at just $27/month, while State Farm gives significant savings with multi-policy discounts. Or pick Allstate to compare the various types of auto insurance available with its SR-22 policies.
SR-22 insurance helps you meet Indiana’s minimum insurance requirements, but the cost will depend on your driving record and coverage needs. Compare auto insurance quotes online to find the cheapest SR-22 auto insurance in Indiana.
Start comparing several online auto insurance quotes to stay covered hassle-free and save money. Enter your ZIP code to get free insurance quotes today.
Frequently Asked Questions
How much is Indian SR-22 insurance?
SR-22 insurance in Indiana typically costs $25 to $50 per month, plus higher premiums depending on your driving record.
What company has the cheapest SR-22 insurance in Indiana?
Geico offers the cheapest SR-22 insurance, with rates starting at $27 per month in Indiana.
How long do you have to have SR-22 insurance in Indiana?
In Indiana, drivers must carry SR-22 insurance for three years to maintain the Indiana minimum auto insurance requirements.
What is an SR-16 in Indiana?
An SR-16 is a certificate sent to Indiana’s BMV to notify them of a driver’s license suspension or reinstatement.
What happens if you drive without insurance in Indiana?
In Indiana, breaking the law can lead to fines, license suspension, and the need to submit an SR-22.
How do I get rid of an SR-22 in Indiana?
You can remove SR-22 insurance in Indiana after fulfilling the required period by maintaining a clean driving record.
Can you get SR-22 insurance in Indiana without a vehicle?
You can get SR-22 insurance in Indiana without a vehicle by purchasing non-owner SR-22 insurance, which covers liability when driving a borrowed or rented car.
Can Indiana suspend your license for no insurance?
Yes, Indiana can suspend your license for failing to maintain the required auto insurance coverage.
What is the fine for not having car insurance in Indiana?
In Indiana, the fine for not having car insurance starts at $250 for a first offense and increases for repeat violations.
Where can I find cheap SR-22 insurance in Indiana online?
You can find cheap SR-22 insurance in Indiana online by comparing rates from providers through online quote tools. Use our free insurance comparison tool to get prices right away.
Is Indiana a no-fault state?
No, Indiana operates under a fault-based insurance system, meaning the at-fault driver pays for damages resulting from at-fault accidents.
Does Progressive offer SR-22 insurance in Indiana?
Yes, Progressive provides SR-22 insurance in Indiana, offering competitive rates and convenient online filing services.
How does Geico handle SR-22 insurance in Indiana?
Geico offers SR-22 insurance in Indiana at rates starting at $27 per month. Learn how to get Geico SR-22 insurance.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.