Indiana SR22 Insurance Rates by Provider — 2026
The following table compares SR22 insurance rates across 9 providers in Indiana for 2026. Rates shown are for minimum coverage (Indiana state minimum 25/50/25), full coverage (100/300/100), and non-owner SR22 policies. Baseline profile: 40-year-old male, 2012 Toyota Camry, 12,000 miles/year, good credit.
Indiana SR22 Insurance Rates by Provider, May 2026| Provider | Carrier Type | Min. Coverage (25/50/25) | Full Coverage (100/300/100) | Non-Owner SR22 | SR22 Filing Fee | Filing Method | AM Best Rating | J.D. Power Score |
|---|
| Travelers | Standard Carrier | $66/month | $133/month | $40/month | $25 one-time | Electronic (same day) | A++ | 854 |
| Progressive | Standard Carrier | $82/month | $143/month | $59/month | $25 one-time | Electronic (same day) | A+ | 832 |
| Dairyland | High-Risk Specialist | $89/month | $155/month | $48/month | $15 one-time | Electronic (same day) | A | 798 |
| Bristol West | High-Risk Specialist | $92/month | $160/month | $52/month | $20 one-time | Electronic (1–2 days) | A | 790 |
| The General | High-Risk Specialist | $95/month | $168/month | $55/month | $15 one-time | Electronic (same day) | A- | 801 |
| Kemper | High-Risk Specialist | $98/month | $172/month | $58/month | $20 one-time | Electronic (1–2 days) | B+ | 771 |
| Allstate | Standard Carrier | $104/month | $179/month | Not available in Indiana | $25 one-time | Electronic (1–2 days) | A+ | 829 |
| GEICO | Standard Carrier | $105/month | $211/month | Not available in Indiana | $25 one-time | Electronic (1–3 days) | A++ | 847 |
| State Farm | Standard Carrier | $110/month | $190/month | $33/month | $25 one-time | Electronic (1–3 days) | A++ | 882 |
Cheapest SR22 Insurance in Indiana
Travelers offers the cheapest SR22 insurance in Indiana at $66/month statewide for minimum coverage — and as low as $58/month in Fort Wayne. Progressive is the second cheapest at $82/month. For non-owner SR22 policies, State Farm offers the lowest rate at $33/month, followed by Travelers at $40/month.
Standard carriers (Travelers, Progressive, GEICO, Allstate, State Farm) generally offer lower base rates but may decline applicants with serious violations like OWI/DUI or Habitual Traffic Violator (HTV) status. Non-standard carriers (The General, Dairyland, Bristol West, Kemper) specialize in high-risk drivers and offer guaranteed acceptance, but at higher premiums — typically $89–$110/month for minimum coverage.
Three-Year Total Cost Comparison
Because Indiana SR22 requirements last 3 years for most violations, the total cost of carrying SR22 insurance matters as much as the monthly rate. Over 36 months, Travelers costs approximately $2,401 all-in (including the $25 filing fee). Progressive comes in at $2,977. At the high end, Allstate reaches $3,769 for the same coverage level. Choosing the cheapest carrier on day one of your SR22 requirement can save $1,000–$1,500 over the full three years.
Indiana SR22 Insurance Rates by Violation Type
The violation that triggered your SR22 requirement directly affects how much you pay for insurance. Indiana insurers classify violations by risk level, and your monthly premium reflects that risk classification for the full duration of your SR22 requirement.
Indiana SR22 Rate Increases by Violation Type, 2026| Violation | Suspension Length | SR22 Required For | BMV Reinstatement Fee | Average Rate Increase | Average Monthly Premium | Notes |
|---|
| No Insurance | 90 days–1 year | 3 years (1st), 5 years (3rd+) | $250 | +35% | $84/month | Most common trigger in Indiana. Moderate risk in insurer's eyes. |
| OWI / DUI | 30 days–2 years (1st) | 3 years | $300 | +100% | $138/month | Highest risk category. Most standard carriers will drop you. |
| Reckless Driving | Up to 1 year | 3 years | $250 | +65% | $105/month | Reckless driving adds 8 points to license — close to HTV threshold. |
| Hit and Run | Up to 2 years | 3–5 years | $300 | +75% | $112/month | Treated similarly to OWI. Felony charges possible if injuries involved. |
| Habitual Violator (HTV) | 5–10 years | 5 years | $500 | +70% | $120/month | Requires 18 points in 2 years or 3 major violations. Hardest to insure. |
| Multiple Speeding Tickets | 30–180 days | 3 years | $150 | +45% | $88/month | Indiana Farmers Insurance offers best rate for this specific profile. |
| At-Fault Accident (Uninsured) | Up to 1 year | 3 years | $250 | +80% | $118/month | Dual liability issue: uninsured AND at-fault. Civil judgment may also apply. |
| Excessive Points (Non-HTV) | Varies | 3 years | $150 | +30% | $80/month | 14 points in 2 years triggers suspension. Under HTV threshold. |
SR22 After OWI or DUI in Indiana
An OWI (Operating While Intoxicated) conviction in Indiana carries the highest SR22 insurance rate increase of any violation — an average of 100% above your pre-violation premium. At the Indiana state average of $138/month for minimum coverage after an OWI, a driver who previously paid $67/month will now pay roughly double for three years. Most standard carriers (GEICO, Allstate, State Farm) will not renew policies for OWI convicts, forcing drivers to non-standard carriers like Dairyland, The General, or Bristol West.
Over a 3-year SR22 requirement after an OWI, expect to pay a total of $5,268–$7,200 in insurance premiums alone, plus the $300 BMV reinstatement fee. If an Ignition Interlock Device (IID) is also required by the court, add approximately $70–$100/month for device rental and monitoring.
SR22 for No-Insurance Suspension in Indiana
Driving without insurance is the most common reason Indiana drivers need an SR22. For a first-offense no-insurance suspension, the Indiana BMV charges a $250 reinstatement fee. Expect a 35% rate increase above your standard premium — averaging $84/month statewide for minimum coverage. For a third or subsequent no-insurance violation, the reinstatement fee jumps to $1,000 and the SR22 requirement extends to 5 years instead of 3.
SR22 Insurance Rates by Indiana City — 2026
SR22 insurance rates in Indiana vary significantly by city. Where you live affects your risk classification because insurers factor in local traffic density, accident rates, and claims history. The cheapest city for SR22 insurance in Indiana is Terre Haute at $56/month via Travelers. The most expensive is Gary at $88/month — a 57% difference for the same driver profile.
Cheapest SR22 Insurance Rates by Indiana City, May 2026| City | County | Cheapest Provider | Min. Coverage Rate | Full Coverage Rate | vs. State Average | Local Notes |
|---|
| Terre Haute | Vigo County | Travelers | $56/month | $112/month | -15% below average | Among cheapest in state. Lower traffic density = lower risk profile. |
| Fort Wayne | Allen County | Travelers | $58/month | $118/month | -12% below average | High rate of no-insurance suspensions on US-30 & I-69 corridors. |
| Elkhart | Elkhart County | Travelers | $59/month | $114/month | -10.5% below average | RV capital of the world. Moderate risk profile, competitive rates. |
| Muncie | Delaware County | Travelers | $60/month | $115/month | -9% below average | Mid-size city, moderate rates. Ball State proximity = higher young-driver risk. |
| Lafayette | Tippecanoe County | Travelers | $61/month | $118/month | -7.5% below average | Purdue University area. Young driver population but rural corridors help. |
| Evansville | Vanderburgh County | Travelers | $62/month | $122/month | -6% below average | Cross-state complication common (KY/IL border). Indiana SR22 still required. |
| Bloomington | Monroe County | Travelers | $63/month | $120/month | -4% below average | IU student population contributes to first-time OWI statistics. |
| South Bend | St. Joseph County | Travelers | $65/month | $128/month | -1.5% below average | Large student population. Notre Dame area — first-time OWI common. |
| Indianapolis | Marion County | Progressive | $74/month | $138/month | +12% above average | Highest metro density. I-65, I-70, I-465 corridors generate most SR22 filings. |
| Gary | Lake County | Progressive | $88/month | $162/month | +33% above average | Highest rates in Indiana. Chicago metro proximity, high-density corridors. |
SR22 Insurance in Indianapolis
Indianapolis has the highest SR22 rates among major Indiana cities at $74/month for minimum coverage, with Progressive offering the cheapest rate. Marion County generates more SR22 filings than any other Indiana county due to its high population density and traffic volume on the I-65, I-70, and I-465 corridors. Indianapolis drivers pay approximately 12% above the Indiana state average.
SR22 Insurance in Fort Wayne
Fort Wayne is among the cheapest cities in Indiana for SR22 insurance at $58/month via Travelers — 12% below the state average. Allen County has a high rate of no-insurance suspensions along the US-30 and I-69 corridors, but lower overall traffic density keeps premiums competitive. Fort Wayne is the cheapest major city in Indiana for SR22 coverage.
SR22 Insurance in Gary, Indiana
Gary has the highest SR22 insurance rates in Indiana at $88/month for minimum coverage. The Chicago metropolitan area proximity, high-density traffic corridors, and elevated claims rates push Gary premiums 33% above the Indiana state average. Drivers in Gary should compare Progressive and non-standard carriers, as standard carriers often charge a significant location surcharge in Lake County.
Indiana BMV Reinstatement Fee Schedule — 2026
Indiana BMV reinstatement fees are paid separately from your SR22 insurance premium. You must pay both the BMV fee and obtain active SR22 insurance before the Indiana BMV will reinstate your driving privileges. Fees can be paid online at myBMV.com, at any BMV branch, or at a BMV Connect kiosk.
Indiana BMV Driver License Reinstatement Fees by Offense, 2026| Offense | Reinstatement Fee | Suspension Length | SR22 Required For | Points Added | Notes |
|---|
| No Insurance — 1st | $250 | 90 days | 3 years | N/A | |
| No Insurance — 2nd | $500 | Up to 1 year | 3 years | N/A | |
| No Insurance — 3rd+ | $1,000 | 1 year | 5 years | N/A | Must occur after Jan 1, 2015 |
| OWI / DUI — 1st | $300 | 30 days–2 years | 3 years | 8 | IID may be required |
| OWI / DUI — 2nd | $500 | 180 days–2 years | 3 years | 8 | IID required |
| OWI / DUI — 3rd (HTV) | $1,000 | 10 years | 5 years | 8 | HTV designation |
| Reckless Driving | $250 | Up to 1 year | 3 years | 8 | |
| Hit and Run | $300 | Up to 2 years | 3–5 years | 8 | Felony if injuries |
| HTV (Excessive Points) | $500 | 5–10 years | 5 years | 18+ in 24 mo | 3 major violations in 10 yrs also qualifies |
| Failure to Stop / Elude | $300 | Up to 1 year | 3 years | 6 | |
| Racing / Speed Contest | $250 | 90 days | 3 years | 6 | |
| Court-Ordered (Misc.) | $150 | Varies | 3 years | Varies | Ordered by judge |
Source: Indiana BMV — Reinstating Your Driving Privileges. A fee waiver may be available for qualifying low-income drivers. See our complete Indiana reinstatement fee waiver guide for eligibility details.
SR50 vs SR22 Insurance in Indiana — Key Differences
Indiana is one of the only states that uses an SR50 form in addition to the standard SR22. Many Indiana drivers are confused about which one they need. The Indiana BMV will specify which form is required in your suspension notice. The table below shows the key differences.
SR50 vs SR22 Insurance Comparison — Indiana, 2026| Topic | SR22 | SR50 (Indiana-specific) |
|---|
| What triggers it | Major violations: OWI/DUI, reckless driving, HTV, at-fault uninsured accident | Proof-of-financial-responsibility requirement — typically for lower-severity violations or court orders |
| Coverage requirement | Standard liability minimums (25/50/25) — proof you have auto insurance | Proof of financial responsibility only — the SR50 form itself; no separate liability policy required if you don't own a car |
| Who it's for | High-risk drivers with serious violations. Required by Indiana BMV after specific offenses. | Drivers who need to prove financial responsibility to reinstate. Commonly used when SR22 is not specifically mandated but proof is required. |
| Filing form | SR22 certificate — filed by your insurance company directly to Indiana BMV electronically | SR50 form (Indiana-specific) — similar to SR22 but for proof of financial responsibility specifically for uninsured incidents |
| Duration | 3 years (most violations), 5 years (3rd+ no-insurance, HTV) | 180 days (common for first no-insurance without suspension), or 3 years depending on offense |
| Cost premium | 30–100%+ rate increase depending on violation | 15–45% rate increase — generally lower risk classification than SR22 |
| Non-owner option | Yes — non-owner SR22 available from most carriers | Yes — non-owner SR50 available; often cheaper than SR22 non-owner policies |
| Indiana-specific | Used in most US states | Indiana-specific form — unique to Indiana. Other states have equivalent forms with different names. |
SR50 Insurance Rates in Indiana
SR50 insurance rates in Indiana are generally lower than SR22 rates because the violations that trigger an SR50 requirement are lower-severity. The cheapest SR50 insurance in Indiana is offered by Travelers at $72/month for minimum coverage, followed by Progressive at $78/month. For non-owner SR50 policies (for drivers without a car), State Farm offers the lowest rate at $36/month.
Indiana SR50 Insurance Rates by Provider, 2026| Provider | Min. Coverage | Full Coverage | Non-Owner SR50 | Filing Fee | AM Best |
|---|
| Progressive | $78/month | $139/month | $55/month | $25 | A+ |
| Travelers | $72/month | $138/month | $42/month | $25 | A++ |
| Dairyland | $85/month | $152/month | $49/month | $15 | A |
| The General | $91/month | $162/month | $53/month | $15 | A- |
| State Farm | $105/month | $184/month | $36/month | $25 | A++ |