SR-50 Car Insurance

SR-50 insurance is only required in Indiana for drivers who are accused of driving without car insurance or otherwise have their driver's license suspended. SR-50 car insurance acts as proof of insurance, and the Indiana BMV will request an SR-50 form in order to prove that you currently have an auto policy in place. Driving without insurance is illegal in Indiana and can cost you in fines and jail time.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • SR-50 insurance is only required in Indiana
  • Drivers accused of driving uninsured or otherwise had their license suspended may need to file an SR-50 form with Indiana BMV
  • SR-50 is considered high-risk insurance, so you can expect to pay more for coverage

Indiana state auto insurance laws require drivers caught driving without insurance or otherwise had their licenses suspended to file SR-50 car insurance.

SR-50 insurance is known as an Affidavit of Current Insurance and proves that a minimum liability insurance policy is currently in place.

If you live in Indiana and need SR-50 insurance, read our guide now to learn the difference between SR-22 and SR-50 insurance, when you might need non-owner SR-50 insurance, and the information required to fill out an SR-50 form.

Before you ask “can I find affordable SR-50 insurance near me?”, use our free comparison tool below. Enter your ZIP code above to get free SR-50 insurance quotes from the best insurance companies in Indiana.

What is SR-50 insurance?

SR-50 insurance isn’t actually insurance at all. Rather, an SR-50 acts as proof of financial responsibility that verifies to the Indiana BMV that drivers are currently carrying the state’s minimum levels of insurance.

Every driver in Indiana is required to carry the following insurance minimums:

  • Bodily injury coverage of $25,000 per person, $50,000 per accident
  • Property damage coverage of $25,000 per incident
  • Uninsured motorist coverage of $25,000 per person, $50 per accident

Failure to maintain these compulsory levels of insurance can result in license suspension, vehicle registration suspension, jail time, and steep fines. If you are charged for driving without insurance in Indiana, you will need to fill out an SR-50 form to drive again.

Information Required on an SR-50 Form

Filling out an SR-50 form is easy and only requires the following:

  • Name
  • Driver’s license number
  • Effective start date of your current insurance policy
  • Effective end date of your current insurance policy

If you are required to carry SR-50 insurance, the Indiana BMV will contact you via the mail and ask that you obtain an SR-50 to prove you have insurance coverage in place.

If you don’t own a car but still drive regularly, you will need to have non-owner auto insurance coverage in place to file an SR-50.

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What is the difference between SR-22 and SR-50 insurance?

The biggest difference between SR-22 car insurance and SR-50 insurance is timing. An SR-50 form proves that coverage is currently in place and typically only applies to drivers who were caught driving uninsured.

On the other hand, while SR-22 insurance is still proof of financial responsibility, it proves that coverage is currently in place and will continue to be in place in the future, usually up to three to five years.

Drivers who need SR-22 typically lost their license for major moving violations, such as reckless driving or DUI, and must prove that insurance coverage will remain in place per the requirements of their charges. SR-50 is only needed to prove coverage is currently in place.

Unfortunately, filing either an SR-50 or an SR-22 will trigger insurance companies that you are now a high-risk driver. You will no longer qualify for a standard policy, so expect to pay more in SR-50 car insurance rates. 

Before you buy SR-50 insurance, shop around to get the most affordable rates. Enter your ZIP code below to compare free SR-50 insurance quotes from Indiana car insurance companies in your neighborhood.

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