Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Dec 6, 2021

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At a Glance

  • SR-50 is only required for drivers in Indiana who commit traffic violations or get into accidents
  • An SR-22 certification may also be required for drivers who were caught driving without auto insurance
  • The average monthly auto insurance rate in Indiana is $88 a month

Do you need SR-50 certification? SR-50 auto insurance isn’t insurance coverage at all. However, drivers in Indiana may need it for a number of different reasons.

Although SR-50 isn’t considered coverage in the insurance industry, SR-50 car insurance rates are one of many things that people look for when they need SR-50.

So how does a driver get SR-50 insurance? Don’t worry — we’re here to answer your questions.

Read our guide to learn where you can get SR-50, how it affects auto insurance rates, and what certifications are similar to SR-50.

After learning about SR-50 insurance, enter your ZIP code in the free online quote tool to compare multiple insurance companies near you.

Do you need SR-50 auto insurance coverage?

SR-50 is only available in Indiana. It’s designed for drivers who’ve been in an accident or have been convicted of a moving violation. You can’t find SR-50 in Florida. 

The Indiana driver must show proof of insurance to the Bureau of Motor Vehicles (BMV). SR-50s are needed when you want to reinstate your license after a traffic infraction or accident.

You can also provide an Affidavit of Current Insurance to reinstate your license.

What are the minimum auto insurance requirements in Indiana?

SR-50 insurance in Indiana requires you to carry the minimum car insurance requirements based on Indiana insurance law.

Here are the minimum coverage limits for Indiana auto insurance.

  • $25,000 for bodily injury of one person per accident
  • $50,000 for bodily injury of multiple people per accident
  • $25,000 for property damage per accident

Although these limits are required, some of the best car insurance companies may recommend higher coverage limits.

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Why does Indiana require SR-50 auto insurance?

Indiana’s motor vehicle laws require all drivers to have financial responsibility for accidents.

If an Indiana driver is convicted of a traffic violation or has been in a car accident, the driver must complete and submit an SR-50 to the Indiana BMV. Indiana drivers can get SR-50 forms from the Indiana BMV.

You’ll need to wait for the BMV’s approval and to receive a form that says they acknowledge SR-50 compliance.

The Indiana BMV will send you a Certificate of Compliance. Your auto insurance company must fill out and return the Certificate of Compliance within 40 days to the BMV.

The Indiana BMV may suspend your driver’s license if you don’t comply with the stipulations on the Certificate of Compliance form.

Do I have to pay a reinstatement fee to get my driver’s license back?

If your driver’s license is suspended due to SR-50 non-compliance or any other violation, you’ll have to pay a reinstatement fee between $150 and $300.

You can fill out an SR-50 after you pay the reinstatement fee and start the process over to remain insured and restore your driving privileges.

Do I need SR-50 auto insurance if I don’t own a vehicle?

Yes, you do. You’ll have to buy non-owner auto insurance and file an SR-50 with the Indiana BMV. Go to the BMV and request an SR-50 form.

Does SR-50 affect auto insurance quotes?

The answer is yes. The SR-50 certification shows that a high-risk Indiana driver has the minimum car insurance requirements.

SR-50 auto insurance rates are technically annual or monthly rates attached to an SR-50 certification. If you don’t have an insurance policy, you should find SR-50 auto insurance quotes from the best companies in Indiana.

Here’s a list of the top car insurance companies in Indiana and their monthly insurance rates.

Monthly Auto Insurance Rates in Indiana by Company

CompaniesMonthly Rates for a Clean Driving RecordMonthly Rates with One Speeding ViolationMonthly Rates with One AccidentMonthly Rates with One DUI Conviction
Progressive$69$108$139$87
Travelers$89$117$122$134
Allstate$125$160$195$161
State Farm$69$75$93$106
GEICO$60$88$105$134
USAA$48$61$72$76
American Family$101$124$129$124
Indiana Farm Bureau$107$128$159$191
Farmers$113$152$172$168
Nationwide$109$135$173$215
Industry Average$89$115$136$140
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We decided to include auto insurance rates by driving history to show you what SR-50 insurance could look like for Indiana drivers.

Speeding tickets have the lowest increase in auto insurance. But accidents and DUI convictions drive up rates by at least 24%.

If you qualify for several auto insurance discounts, you can secure affordable SR-50 auto insurance.

Are small auto insurance companies better for SR-50?

It depends on your needs. Some of the smaller auto insurance companies provide cheap SR-50 insurance for Indiana drivers. But which companies are best for high-risk auto insurance?

Check out the list below to see which auto insurance companies provide high-risk insurance.

  • Erie Insurance
  • The General
  • Dairyland
  • Good2Go Auto Insurance
  • Esurance
  • Direct Auto

The most cost-efficient companies that provide SR-50 and SR-22 are Dairyland and Direct Auto. However, you should still compare multiple insurance companies to secure the best rates.

What’s the difference between SR-50 and SR-22 forms?

SR-50 shows that an Indiana driver has a current auto insurance policy as a high-risk driver. But, SR-22 shows proof of future insurance for high-risk drivers.

SR-16 is a form from the Indiana court that notifies the Indiana BMV about a high-risk driver’s conviction for violation of a motor vehicle law.

SR-16 certificates are also issued when a convicted driver fails to appear in court or fails to pay a citation fine for violating Indiana motor vehicle laws.

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Why do I need SR-22 auto insurance?

SR-22 is available nationwide, but each state manages SR-22 differently. However, the reasons why you might need SR-22 are universal.

Here’s a list of reasons why you’d need SR-22 certification.

  • DUI/DWI conviction
  • A conviction for driving without auto insurance
  • Being involved in an accident without auto insurance
  • Too many at-fault accidents or traffic violations
  • Repeat driving infractions in a short period
  • You’re required to obtain a hardship or probationary license
  • You’re required to reinstate your driver’s license after a suspension or revocation

SR-22 insurance lasts for at least three years. Drivers who are still considered high risk after three years must reapply for SR-22 certification.

How do you get an SR-22?

Contact your auto insurance company and let them know that you were ordered to get SR-22 certification. Your auto insurance company will send your SR-22 certificate to the DMV or BMV.

Indiana’s average SR-22 auto insurance rates are between $88 and $130 a month.

Or you can go to the Indiana BMV and ask to fill out an SR-22 form. You’ll still need your insurance company to get involved to verify that you have current and future insurance.

SR-50 Auto Insurance: The Bottom Line

SR-50 is a certification that requires high-risk drivers to show proof of current insurance in Indiana. SR-50 ends when your driver’s license is reinstated.

However, SR-22 lasts for three years. Also, you may have to apply for SR-50 in addition to SR-22 when you’re a high-risk driver.

The cost of SR-50 car insurance rates varies. But you can buy SR-50 auto insurance at an affordable rate with the right discounts.

Now that you know more about SR-50 auto insurance, enter your ZIP code in the free comparison tool to compare multiple insurance companies in your area.

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.