Cheapest SR-22 Insurance in Indiana for 2025 (Save Money With These 10 Companies)
Find the cheapest SR-22 insurance in Indiana with Geico, Nationwide, and Travelers, starting at $61 a month. Geico files SR-22s fast, Nationwide offers multi-driver discounts, and Travelers rewards loyalty with lower rates. Compare SR-22 insurance in IN to secure coverage at the lowest cost.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Apr 1, 2025
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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: Apr 1, 2025
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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Indiana SR-22 Min. Coverage
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Indiana SR-22 Min. Coverage
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3,071 reviews
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Indiana SR-22 Min. Coverage
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1,733 reviewsExplore the cheapest SR-22 insurance in Indiana with Geico, Nationwide, and Travelers as the top picks for affordability and benefits.
Geico simplifies compliance with fast, hassle-free SR-22 filing. Nationwide lowers costs with multi-policy discounts.
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 | $61 | A++ | Local Discounts | Geico |
 | #2 | $95 | A+ | Loyal Customers | Nationwide |
 | #3 | $97 | A++ | Fast Filing | Travelers |
 | #4 | $99 | A+ | Farm Discounts | The Hartford |
 | #5 | $105 | A++ | Online Savings | State Farm |
 | #6 | $120 | A | Multiple Drivers | American Family |
 | #7 | $126 | A | Family Focus | Liberty Mutual |
 | #8 | $156 | A+ | Senior Benefits | Progressive |
 | #9 | $166 | A | Broad Coverage | Farmers |
 | #10 | $185 | A+ | Custom Policies | Allstate |
Travelers rewards long-term customers with reduced rates. Compare providers to secure the best SR-22 auto insurance in IN today.
Discover how their unique programs can save money and simplify the process today. Use our free quote comparison tool to find cheap SR-22 auto insurance near you.
- Geico provides fast SR-22 filings and low-cost coverage in Indiana
- Compare rates to secure the cheapest SR-22 insurance in Indiana today
- Save with multi-driver discounts and lower rates for safe driving habits
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#1 – Geico: Top Overall Pick
Pros
- Budget-Friendly Pricing: Geico SR-22 insurance in Indiana costs $61 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 – Nationwide: Best 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, like Geico.
- Average Savings Opportunities: Offers fewer discounts on Indiana SR-22 than other insurers.
#3 – Travelers: Best 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 $97 a month, which is 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.
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#4 – The Hartford: Best 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
- Moderate Pricing: SR-22 insurance in Indiana starts at $99 a month, among the cheapest available.
- Basic Online Features: Digital management tools for SR-22 policies in Indiana lack advanced capabilities.
#5 – State Farm: Best for Online Savings
Pros
- Bundling Benefits: Combines multiple policies for 17% savings on SR-22 premiums in Indiana.
- Strong Financial Ratings: Holds an A++ rating from A.M. Best, reinforcing its reliability for SR-22 in IN policyholders.
- 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.
#6 – American Family: Best 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 $120 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.
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#7 – Liberty Mutual: Best 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 $126 a month, making it the priciest option.
- Complicated Filing: SR-22 insurance in Indiana could involve more steps than with more straightforward providers.
#8 – Progressive: Best for Senior Benefits
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 $156 a month, higher than average.
- Few Local Agents: Progressive has fewer in-person support options for SR-22 customers in Indiana.
#9 – Farmers: Best for Broad Coverage
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 $166 a month, exceeding competitors like Geico.
- Limited Digital Resources: Online tools for managing SR-22 policies in Indiana lack advanced features.
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#10 – Allstate: Best 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 $248 a month.
- Limited Savings Opportunities: Offers fewer discount programs for SR-22 policies in Indiana.
Full and Minimum SR-22 Coverage Rates in Indiana
This table compares minimum and full coverage SR-22 insurance rates in Indiana. Geico offers the cheapest SR-22 insurance in Indiana, starting at $61 a month for minimum coverage.
Indiana SR-22 Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $185 | $248 |
| $120 | $219 |
| $166 | $330 |
| $61 | $126 |
| $126 | $285 |
| $95 | $231 |
| $156 | $224 |
| $105 | $167 |
| $99 | $162 |
| $97 | $162 |
Nationwide and Travelers also provide low-cost options, while Allstate charges the highest rates. Comparing providers helps secure affordable SR-22 insurance in IN.
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.
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 & Savings From Top Indiana SR-22 Providers
| Insurance Provider | Bundling | Anti-Theft | UBI | Good Student |
|---|---|---|---|---|
| 25% | 10% | 15% | X |
| 20% | 15% | 5% | 10% |
| 25% | 10% | 10% | 15% |
| 20% | 5% | 5% | X |
| 10% | 10% | X | 5% |
| 10% | 5% | X | X |
| 15% | 10% | 10% | X |
| 20% | 15% | X | 10% |
| 10% | 5% | X | 5% |
| 15% | 5% | X | 5% |
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%. 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, such as 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 claims top the list 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.
Top Picks for Affordable SR-22 Insurance in Indiana
To find the least expensive SR-22 insurance in Indiana, you can do so by comparing leading providers such as Geico, Nationwide, and Travelers. They provide competitive prices along with beneficial discounts.
Read More: Best Auto Insurance After a DUI in Indiana
The cost changes depending on how much coverage is needed, your driving record, and which insurance company you choose. Whether you need fast SR-22 filings, multi-policy savings, or budget-friendly premiums, choosing the right company can help lower costs.
Use online comparison tools to find affordable SR-22 insurance in IN and meet state requirements without overpaying. Secure affordable SR-22 insurance in Indiana by entering your ZIP code now.
Frequently Asked Questions
How much is SR-22 insurance in Indiana?
SR-22 insurance in Indiana typically costs between $25 and $50 per month, plus higher premiums depending on your driving record.
Who has the cheapest auto insurance rates in Indiana for SR-22?
Geico offers the cheapest car insurance in Indiana for SR-22, with monthly premiums starting at $61.
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.
How does Geico handle SR-22 insurance in Indiana?
Geico provides SR-22 insurance in Indiana with fast electronic filing to the BMV, ensuring compliance with state requirements. Learn how to get Geico SR-22 insurance.
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.
How do you get an SR-22 in Indiana?
To get an SR-22 in Indiana, contact your insurance provider and request the filing. They will submit the SR-22 form to the Indiana BMV to prove you have liability coverage.
How do you 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, even if you initially needed auto insurance for a bad driving record.
Does Progressive offer SR-22 insurance in Indiana?
Yes, Progressive provides SR-22 insurance in Indiana with competitive rates and convenient filing options.
Does Allstate offer SR-22 insurance?
Yes, Allstate offers SR-22 insurance in Indiana with flexible payment options and competitive rates.
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 Indiana?
An SR-16 in Indiana is a document sent to the BMV indicating 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. Use our free insurance comparison tool to get low-cost SR-22 insurance right away.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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.