D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 13, 2021

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Just the Basics

  • SR-50 insurance is required if have failed to provide proof of car insurance when involved in an accident or for a moving violation
  • Your driver’s license can be suspended for driving without insurance
  • Car insurance companies will increase your rates if there’s a gap in car insurance coverage, so an SR-50 may indirectly cause an increase in your rates

If you live in Indiana, you’ve probably heard about SR-50 insurance. Anyone who needs SR-50 car insurance has been ticketed for driving without proof of insurance. Unfortunately, this type of violation makes you a higher risk to insurance companies, and it could be associated with temporary license suspension. So insurance companies can raise your rates significantly.

However, there’s a way to recover. It may take a little more, though. Indiana car insurance law dictates that drivers who are caught driving without insurance need SR-50 insurance certification.

But what’s SR-50? We’ll cover everything you need to know about the SR-50 filing, including where to buy SR-50 insurance and how to get affordable SR-50 insurance.

Comparing car insurance providers is essential if you need an SR-50 insurance filing. Enter your ZIP code in the free comparison tool above and compare multiple companies in your area.

What is SR-50 car insurance?

SR-50 insurance isn’t insurance. It’s a certificate that says that proves you currently carry the minimum car insurance requirements in Indiana. Why Indiana? Don’t other states have SR-50 insurance? The short answer is no.

The “SR” in SR-50 insurance stands for Safety Responsibility.

Indiana is the only state with SR-50 insurance certification. Therefore, you won’t see any company identified as an SR-50 insurance company.

SR-50 insurance is often labeled as SR.50, SR 50 insurance, or SR50 insurance. All of them mean the same thing; they’re used interchangeably.

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How much are SR-50 car insurance rates?

Since you can’t buy SR-50 insurance, you won’t find SR-50 insurance quotes from companies. However, we can show you how much you could pay from the top car insurance companies in Indiana based on common driving record issues.

Monthly Indiana Car Insurance Rates Based on Accidents on Driving Record
CompaniesMonthly Car Insurance Rates
USAA$146
GEICO$195
State Farm$215
Nationwide$251
Travelers$297
Farmers$299
American Family$337
Allstate$389
Progressive$427
Liberty Mutual$443
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USAA, GEICO, and State Farm are the cheapest auto insurance companies for those who’ve been in an accident in Indiana. Although your situation may vary, this is a close estimate of what you could pay when you buy car insurance with SR-50 attached.

If you happen to qualify for a few discounts, you can get affordable SR-50 insurance rates and much more. Having an accident or getting your drivers license reinstated does not disqualify you from car insurance savings.

How can you get SR-50 car insurance?

After you get a ticket for driving without insurance, start searching for an auto insurance company that can get you a policy. The Indiana BMV requires SR-50, and it’s not court-ordered like SR-22 insurance.

The main difference between SR-50 and SR-22 insurance is that one is proof of current insurance and the other proves future insurance. Many Indiana drivers need SR-22 insurance because of a traffic accident, moving violation, or DUI that shows proof of insurance in place for the duration of the next three years.

An SR-50 is necessary due to a lack of auto insurance during an accident or moving violation and proves to the BMV that you have current insurance. It doesn’t carry the requirement for future coverage.

If you know you will need SR-50 insurance, tell your car insurance provider about your situation so they file the SR-50 right away. It may take a few days, but it should be ready before the BMV’s deadline. So whatever you do, don’t wait until the last minute.

What do Indiana drivers need for SR-50 car insurance?

Indiana drivers need to carry the minimum car insurance requirements. According to the Indiana Bureau of Motor Vehicles (BMV), all drivers in Indiana should have at least $25,000 for bodily injury of one person per accident, $50,000 for bodily injury of multiple people per accident, and $25,000 for property damage per accident.

When you don’t have auto insurance during an accident, you’ll be in danger of losing your driver’s license. To keep your license and maintain your vehicle registration, you’ll need an SR-50 form attached.

SR-50 Car Insurance: What’s the bottom line?

Ultimately, SR-50 insurance is only required by the Indiana BMV and not required by the Indiana courts. However, you should comply with the BMV so you can keep your driver’s license.

If you’re looking for a reliable company, you can get quotes from local companies who might be more familiar with SR-50 forms. Any insurance company that does business in Indiana should be able to fulfill this requirement for you, though. They may charge a reinstatement fee if you let your insurance lapse. Before you do this, make sure to get insurance quotes from a few companies. This way, you can compare your current auto insurance company and see if you’re actually getting the best rates with the added burden of financial responsibility paperwork.

Not having car insurance will affect your rates when you finally get a policy. Car insurance companies may see you as a high-risk driver. Therefore, you’ll pay more than the average for auto insurance.

Now that you know more about SR-50 insurance, use our free online quote tool to compare car insurance rates from multiple companies. You can get started by entering your zip code to narrow it down to providers in your area. Then answer a few questions and get multiple quotes for policies that will fulfill financial responsibility laws.

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Frequently Asked Questions: SR-50 Car Insurance

To wrap up our SR-50 insurance guide, we’ll answer a few additional questions.

#1 – Do you need SR-50 insurance for a moving or non-moving violation?

No. SR-50 insurance is only for people who’ve been in an accident with no car insurance coverage.

#2 – What’s the difference between SR-50 insurance and SR-22 insurance?

To put it simply, SR-50 is proof of current car insurance, and SR-22 is proof of car insurance in the future.

#3 – How much is the SR-50 filing fee?

The SR-50 filing fee is $25.