If the BMV told you to file an SR-22, you need two things at once: an insurance company willing to write your policy, and willing to do the filing. Not every carrier does both. We are appointed with carriers that specialize in exactly this.
Bring your driver's license number and your BMV reinstatement notice. We quote, you choose, and the filing goes in electronically as soon as the policy is bound.
What an SR-22 actually is
An SR-22 is not a type of insurance. It is a certificate of future financial responsibility: a form your insurance company files electronically with the Indiana BMV to prove you carry at least the state minimum liability coverage.
You cannot file it yourself. It has to come from an insurer, which is why being declined for coverage and being unable to file are the same problem.
How long you have to carry it
It depends on why the BMV ordered it, and the two common cases are very different:
- Insurance suspensions: the requirement is satisfied after 180 consecutive days of SR-22 coverage.
- Court-ordered suspensions (including OWI offenses under Indiana Code 9-30-5, 9-30-6 and 9-30-9): the filing must be maintained for three years following the termination of the suspension.
Your reinstatement notice from the BMV is what governs your case. Send it to us and we will read it with you before quoting anything.
The part that catches people out: the SR-26
This is the most expensive mistake in this market, and it is worth understanding before you buy anything.
If your policy lapses, is canceled, or you cancel it yourself before the required period is over, your insurer files an SR-26 (a cancellation notice) with the BMV. The moment the BMV has no effective SR-22 on file, your driving privileges are suspended again, and they stay suspended until an effective SR-22 shows coverage back in force.
In practice a missed payment can restart the whole problem. When we write an SR-22 policy we go through the payment schedule with you specifically so that does not happen, and if you are switching carriers mid-term we make sure the new filing is in place before the old one comes off.
If you do not own a car
A non-owner SR-22 policy covers the filing requirement for someone who drives but does not own a vehicle. It carries liability coverage that follows you rather than a car. Tell us when you call, because whether it fits depends on your household and on what the BMV required.
What it costs, and why
The filing itself is a small administrative fee. What moves the price is the policy underneath it: the reason for the suspension, how recent it is, your driving record and the coverage you choose. Two carriers can price the same driver very differently, which is the whole argument for quoting it across several.
Rates are not permanent. Violations age off, and we re-shop your policy at renewal.
Getting it filed today
Call (317) 982-7525 with your license number and your reinstatement notice. If you also need broader protection than the state minimum, see our auto insurance page.
Common questions
- Can I file an SR-22 myself?
- No. The filing has to be made electronically by an insurance company that is writing your policy. We handle the policy and the filing together.
- How fast can the SR-22 be filed?
- Electronically, as soon as the policy is bound, typically the same day you call.
- What happens if I miss a payment?
- Your carrier files an SR-26 cancellation with the BMV and your driving privileges are suspended until an effective SR-22 is back on file. Call us before you miss one.
- I don't own a car but I need an SR-22. Is that possible?
- Yes. A non-owner policy covers this. Whether it fits depends on your household and on what the BMV required, so tell us when you call.
- Does an SR-22 make my insurance permanent expensive?
- No. It reflects a moment in your record, not a permanent label. We re-shop your policy at renewal as violations age off.