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Indiana Non-Owner SR 22 Insurance

Have you received a notice from the Indiana court system or the Bureau of Motor Vehicles (BMV) that you need an Indiana non owner SR 22 insurance to reinstate your driving privileges? You’ll have to show proof you have Indiana non owner SR 22 insurance before you can get your license back. Even if you don’t own an automobile currently, you’ll still have to meet the SR 22 requirement before you can legally get behind the wheel again.

What Is an SR-22?

While an SR 22 isn’t the same as an insurance policy, it is a document attached to your policy that drivers who have committed certain vehicle-related offenses must file with the state. Examples include operating a vehicle while intoxicated (OWI), failing to maintain liability insurance, leaving the scene of an accident or accumulating multiple violations in a short time frame.

A non-owner SR-22 shows you carry the minimum liability coverage required under Indiana law. These limits are $25,000 per person for bodily injury and a total of $50,000 per accident. You must also maintain at least $25,000 of property damage coverage.

Who Needs Non-Owner SR 22 Insurance in Indiana?

Indiana non-owner insurance coverage applies to individuals who don’t own a car or truck but plan to borrow someone else’s auto occasionally for personal use. These policies do not cover you when using another auto in your household or when driving for business or work purposes. They also don’t protect you when you rent a vehicle.

How Long Must You Carry a Non-Owner SR 22 in Indiana?

Indiana law stipulates that drivers must maintain continuous SR 22 insurance coverage for three years, although a judge could extend the time frame. Your insurance carrier is legally obligated to report any lapses or cancellations immediately by filing an SR-26 form. The result could be a license suspension until you can demonstrate you have liability insurance again.

Filing an Indiana SR-22

In many situations, individuals required to file an SR 22 are without insurance due to their adverse driving history. If you’re in this situation, you’ll first need to get a policy from a company that sells Indiana non-owner SR 22 insurance. After binding your coverage, your insurer will manage the filing process for you.

Indiana SR 22 Costs

Most insurers will charge a one-time fee to file an SR 22 on your behalf, which can range from $15-$50. Since this insurance is high-risk, you’ll also pay a higher premium for coverage.

Alabama Non-Owner SR 22 Insurance
Alabama Non-Owner SR 22 Insurance
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Contact Our Licensed Insurance Agents

Our licensed SR 22 insurance agents are here to answer all your questions and take your application over the phone. Call us at (855) 438-7353.

Select Insurance Group Can Meet Your SR 22 Needs

Select Insurance Group specializes in high-risk/SR 22 auto insurance that helps drivers get back on the road. Because we partner with multiple insurers that provide coverage in Indiana, we can usually offer several non-owner insurance quotes at budget-friendly rates. You’ll also receive excellent service throughout your customer journey. In most cases, we can file your SR 22 form with the state electronically, saving time and enabling you to get your license reinstated as quickly as possible.

Get a Fast, Free Quote Today!

Call our licensed insurance agents at (855) 438-7353 for more information or contact us online to receive your free Indiana non-owner insurance quotes today.

*The information provided on this website has been developed by Select Insurance Group for educational and informational purposes. We do our best to ensure that this information is current and accurate, however the information might not be applicable to all situations. Coverage and rates subject to terms, conditions and availability. Policy issuance is subject to qualifications.