SR-50 Coverage

SR-50 insurance is proof of current financial responsibility. The Indiana BMV may require a driver to obtain and file an SR-50 if they fail to provide proof of insurance during a traffic incident.

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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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Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Apr 25, 2022

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The Highlights

  • An SR-50 is a form that provides proof of current financial responsibility (insurance coverage)
  • The SR-50 is only required in Indiana and does not replace an SR-22
  • Drivers who are unable to provide proof of insurance during a traffic incident may be required to file an SR-50

If you live and drive in Indiana, you may have heard of an SR-50. What is an SR-50, and is it required? Can you buy SR-50 car insurance? Do you need an SR-50 to compare car insurance in Indiana? Read this article to answer all of your SR-50 insurance questions.

Before we get started, are you ready to find affordable SR-50 car insurance? All you need to do is use your ZIP code in the free tool on this page to start comparing SR-50 car insurance rates today.

What is SR-50 insurance?

SR-50 insurance (also referred to as SR.50 and SR 50 insurance), which is only required under Indiana’s car insurance laws in specific circumstances, isn’t technically insurance. Instead, it’s proof of current financial responsibility. In other words, it is proof that you currently have insurance coverage that meets at least the Indiana minimum liability coverage requirements.

The SR-50 is a form your auto insurance company files with the state that specifically notes the beginning and ending dates of your car insurance policy.

When is this form necessary? If at any point you are convicted of a moving violation or an involved in an accident and are unable to provide proof of insurance (regardless of whether or not you are actually uninsured), the BMV will notify you that you’re required to obtain an SR-50.

If you were uninsured at the time of the incident, you might also have your driving privileges suspended for one year. To reinstate your driving privileges, you’ll have to pay a fee of between $150 and $300, as well as submit your SR-50 insurance form.

How can you get an SR-50?

If you find yourself in need of an SR-50, reach out to your insurance company. They will fill out the form and submit it to the Indiana Bureau of Motor Vehicles (BMV). You may be expected to pay a nominal filing fee (usually between $15 and $25).

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

In addition to the SR-50, like many states, Indiana may require drivers to obtain and file an SR-22 form. So what is an SR-22? What is the difference between these two forms? To make it easy, we compared the two in this table.

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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An SR-22, similar to an SR-50, only costs you a small filing fee. Additionally, as it is used for high-risk drivers, an SR-22 usually must remain on file with the state for at least three years.

Both SR-22 and SR-50 insurance forms are required in very specific situations, one is court ordered and used in many states, while one is just for Indiana.

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SR-50 Insurance: The Bottom Line

If you’re found driving uninsured (or are unable to provide proof of insurance) in Indiana, you may be required to obtain and file an SR-50 with the Indiana BMV, which you’ll do through your insurance company. This provides the state with proof of current insurance coverage that meets minimum requirements.

However, this is not to be confused with an SR-22, which provides proof of future insurance and is required under certain circumstances. Auto insurance policies will naturally vary from state to state. Always check with your insurance company if you are uncertain about what rules might apply to your situation. An insurance agent is a knowledgeable place to start as well.

Ready to buy SR-50 car insurance? Take a few minutes to use your ZIP code in our free tool to start comparing SR-50 car insurance quotes today.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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