SR-50 Insurance Coverage

SR-50 insurance is not actually insurance, but a certificate that proves you currently have minimum car insurance coverage. SR-50s are specific to the state of Indiana and are similar to SR-22s. In Indiana, you may be required to obtain both an SR-50 and an SR-22. Your insurance provider can file the certificate for you but violations may lead them to raise your rates.

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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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UPDATED: Jul 16, 2021

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Overview

  • SR-50s are specific to the state of Indiana
  • SR-50 insurance is not actually insurance, but a certificate that proves you currently meet minimum car insurance requirements
  • You may be required to obtain both an SR-50 and an SR-22

If you’ve ever been convicted of driving without insurance, driving on a suspended license, or a DUI, then you may have been tasked with obtaining an SR-22 or SR-50 insurance.

It is a common misconception that an SR-22 or an SR-50 is an insurance policy. Rather, both an SR-22 and an SR-50 are certificates on file with the state that prove you have minimum liability car insurance coverage.

In this article, we’ll be going over what an SR-50 is, how you can get one, and how it differs from an SR-22. But what happens if you get a DUI?

Before you continue reading, enter your ZIP code into our free comparison tool above to find affordable SR-50 insurance quotes in your area.

What is SR-50 insurance?

As mentioned earlier, SR-50 insurance is not actually insurance, but a certificate on file with the state that proves you currently meet minimum car insurance requirements.

An SR-50 is specific to the state of Indiana. So if you are not an Indiana driver, then you do not have to worry about obtaining an SR-50. Instead, you will most likely have to obtain an SR-22.

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How do I get an SR-50?

If you have been recently convicted of driving without insurance, driving under a suspended license, or a DUI, and have been tasked with obtaining an SR-50, then you may be wondering how to get one.

Fortunately, if you already have car insurance, simply call your insurance provider and explain the situation. Your car insurance company can then file the SR-50 for you with the state proving you currently have car insurance.

The car insurance company will only charge you around $20 to file the SR-50 for you. However, the violation that led to your being required to obtain an SR-50 will likely cause your provider to raise your insurance rates.

Will car insurance rates increase after a DUI? Not necessarily, but it is imperative that you file your SR-50 as soon as possible to avoid another offense.

You are usually required to maintain your SR-50 for about three years after your violation. After that, the SR-50 is no longer necessary and your insurance provider may lower your rates as well.

What’s the difference between an SR-50 and an SR-22?

The big difference between an SR-22 and an SR-50 is that an SR-50 is only required in the state of Indiana, whereas SR-22s are found in many other states.

According to the state of Indiana, you may be required to obtain both an SR-50 and an SR-22. The SR-50 proves that you currently have minimum car insurance coverage, while the SR-22 proves that you currently have and will have minimum car insurance coverage.

In any case, make sure you file for SR-22 and SR-50 insurance coverage as soon as possible to avoid another offense.

Now that you know all about SR-50 insurance, enter your ZIP code into our free comparison tool below to find affordable SR-50 insurance quotes in your area.

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Enter your ZIP code below to compare cheap insurance rates.

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