Cheap SR-50 Insurance in Indiana

The SR-50 insurance form is required in Indiana when a driver is caught driving without the legally required car insurance. The SR-50 form proves you have the correct amount of coverage.

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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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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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UPDATED: Jul 18, 2022

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The Highlights

  • An SR-50 is a form used in Indiana to provide proof of current insurance coverage
  • If you cannot prove that you have the minimum amount of insurance at the time of a moving violation or car accident, you will be required to obtain an SR-50
  • Drivers can get an SR-50 through their insurance company

Drivers who live in Indiana may have heard of something called an SR-50. This form helps drivers prove they have insurance for their vehicle.

You may be curious if it’s required and how it relates to car insurance. If so, you came to the right place. Keep reading to learn everything you need to know about the SR-50.

Is an SR-50 insurance form required in Indiana?

According to Indiana state law, drivers are financially responsible for accidents. Therefore, if you are convicted of a moving violation or involved in an accident, and you cannot provide proof of insurance at the time of the incident, you will be ticketed. 

The Indiana Bureau of Motor Vehicles (BMV) will then require you to file an SR-50 form for proof of insurance. Once your form is accepted, you will receive a notice that acknowledges you have met the compliance requirements and carry insurance. 

However, if you were uninsured at the time of the incident, or did not provide an SR-50 upon request, you might have your Indiana driving privileges suspended.

How do I get an SR-50?

If you need an SR-50, start by reaching out to your insurance company. An agent will fill out the form, which will include your name, driver’s license number, and the dates your policy is in effect.

The agent will then submit it to the Indiana BMV. You will probably have to pay a small filing fee when submitting the paperwork.

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What is SR-50 insurance?

Technically, SR-50 is not insurance. Instead, it’s a form used in Indiana that helps drivers provide proof of insurance for their vehicle to the Indiana BMV. 

Most of the time, the SR-50 will only be necessary if you receive a notification from the Indiana BMV requesting the form. 

The SR-50 essentially proves that you currently have insurance coverage that meets the minimum liability requirements in the Hoosier State. Currently, Indiana car insurance laws require minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage. 

Is the SR-50 similar to the SR-22?

You may wonder if the SR-50 insurance form is related to the SR-22. While there are some similarities between the two forms, there are also some key differences. 

For instance, both prove that you have car insurance. However, with the SR-50, you must only have insurance that meets Indiana’s minimum requirements. On the other hand, with the SR-22, the mandatory insurance required is usually higher than the standard minimum. 

Also, the SR-22 is designed to prove insurance coverage for someone whose license has been revoked. Filing an SR-22 form is required in order to get your license reinstated. Because of this, the SR-22 is ordered by the court, unlike the SR-50, which is required by the Indiana BMV.

If you need SR-22 insurance, compare quotes from the best insurance companies for SR-22 in your city to get the most affordable rates.

The Bottom Line on SR-50 Insurance Forms

Indiana drivers who cannot provide proof of car insurance may be asked to file an SR-50 form with the state BMV. The process is typically handled through your insurance company, which will provide the state with proof that your car insurance meets the minimum requirements. 

Not having the required insurance in Indiana may result in license suspension and reinstatement fees. Fortunately, you can avoid these scenarios by contacting your insurance company to clarify your insurance meets the required minimums in Indiana.

If you are not yet insured, you may want to compare car insurance rates in your area before committing to one company. This way, you can be sure you are getting a policy that provides the coverage you need at a price you can afford.

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