Cheap SR-50 Insurance

SR-50 insurance is not technically insurance coverage. Instead, it’s a form you may be required to file with the Indiana BMV that provides proof of current minimum (at least) insurance coverage. The SR-50 insurance form is unique to Indiana and is typically required if you’re unable to provide proof of insurance after a traffic incident or accident. You’ll need to work with your insurance company to file an SR-50. The SR-50 does not replace an SR-22, and both can be required in Indiana.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Can't-Miss Facts

  • An SR-50 is not insurance; it’s a form that provides proof of current insurance coverage
  • SR-50 insurance is only required in Indiana, but it does not replace the SR-22 form in the state
  • If you’re involved in a traffic incident in Indiana and are unable to provide proof of insurance, you may be required to get an SR-50

If you live in Indiana and you’re exploring coverage options, you may have heard of SR-50 insurance (also sometimes referred to as SR 50, SR.50, or SR50 insurance). What is SR-50 insurance? Do you need SR-50 auto insurance? Read this article to find out.

Looking for affordable SR-50 auto insurance? You can use your ZIP code in the free tool on this page to start comparing SR-50 auto insurance quotes from insurance companies in your area right now.

What is SR-50 insurance?

SR-50 insurance isn’t actually insurance. It’s a form that may be required under certain circumstances if you live and drive in Indiana. An SR-50 is proof that you have coverage that meets the minimum insurance requirements in the state.

Your insurance company files the SR-50 form, which highlights the beginning and ending dates of your policy. It may be required if you’re unable to provide proof of insurance during a traffic incident or accident. If this occurs, the Indiana Bureau of Motor Vehicles (BMV) will let you know you need to file.

If you were actually uninsured when the incident occurred (and not just unable to provide proof at the time), your driving privileges could be suspended for up to a year, you’ll be fined between $150 and $300, and you’ll have to get the coverage necessary to submit your SR-50.

How can you get an SR-50?

If you find out you need an SR-50, the first step is to call your insurance company. Your agent will have the appropriate forms, which they’ll fill out and provide to the BMV. If this is required, you may find your insurance rates increase due to the incident that precipitated the SR-50 requirement, but the form’s actual cost is a nominal filing fee (typically less than $30).

What is an SR-22, and how is it different than an SR-50?

In addition to the SR-50, which is unique to Indiana, the state may also require SR-22 insurance (which is a common form across the country). Take a look at this table for a quick comparison of the two forms.

SR-50 Insurance vs. SR-22 Insurance: Definitions and Requirements
DetailsSR-50 FormSR-22 Form
DefinitionProof of current financial responsibility—mandatory insurance that meets standard state minimum coverage requirementsProof of future financial responsibility—mandatory insurance that is usually higher than the standard minimum coverage required in the state and cannot be canceled
Required asProof of current coverage after the driver failed to provide proof when asked (usually during a traffic incident); may be necessary to reinstate license after a suspension due to driving uninsuredProof of coverage after license is revoked due to a traffic incident or moving violation conviction; required to reinstate license
Required byIndiana BMVCourt-ordered
Obtained through and filed byYour insurance companyYour insurance company
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Like with an SR-50, you’ll only need to pay a small fee to obtain an SR-22. If you’re required to get an SR-22, you’ll need it for a minimum of three years.

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SR-50 Insurance: The Bottom Line

If you’re caught driving uninsured in Indiana (whether you’re actually uninsured or just don’t have your proof of insurance with you), you may need to work with your insurance company to file an SR-50 with the Indiana BMV (once you have the coverage you need) to provide proof of insurance coverage.

Please note that an SR-50 does not replace an SR-22 and may also be required to prove future insurance.

Ready to buy SR-50 auto insurance? Use your ZIP code in our free tool to get SR-50 auto insurance rates from companies in your area today.

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