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What is SR-50 auto insurance?

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Things to remember...
  • The SR-50, a form unique to the state of Indiana, refers to an Affidavit of Current Insurance
  • Filing the SR-50 becomes necessary to restore driving privileges after a suspension
  • Drivers who suffered license suspensions are normally high-risk drivers and difficult to insure
  • Online comparison shopping could help high-risk drivers gain a previously elusive policy


Each individual state in the union regulates its own rules regarding driving. Similarities exist among all state laws, but subtle differences are not uncommon. The state of Indiana, for example, requires a unique form known as an SR-50, which must be submitted on behalf of drivers whose license privileges have been suspended in the Hoosier state.

Make sure to check out different auto insurance providers by using our free insurance comparison tool to make sure you aren’t overpaying for your auto coverage!

What is an SR-50 form?

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The full title of an SR-50 form is an “Affidavit of Current Insurance.” As the name suggests, the form contains proof that a driver currently carries car insurance. Specifically, the driver must carry the state’s minimum amount of insurance. No requirement exists to purchase more than the minimum amounts the state of Indiana requires. Those coverage amounts are as follows:

  • $25,000 for bodily injury/death to one person per accident.
  • $50,000 for bodily injury/death to more than one person per accident.
  • $10,000 for property damage per accident.

Additionally, newly written auto policies must include coverage for bodily injury and property damage caused by uninsured/underinsured motorists. Policyholders have the option to reject this coverage in writing.

Why present an SR-50 form?

Some may be confused as to why a special form must be procured when proof of insurance is made available upon purchasing an auto insurance policy. Wouldn’t simply printing out a copy of the insurance proof and mailing a copy be sufficient?

The state does not wish to rely on the driver mailing anything in. The state wants the insurance company to file the necessary paperwork.

Additionally, certain forms are designed to reflect specific circumstances related to the driver’s history. A standard proof of insurance card would not be sufficient for these drivers.

Again, an SR-50 comes into play when someone’s driving privileges have been suspended due to egregious behavior. The state won’t reinstate a driver’s license unless the SR-50 document is filed with the Indiana Bureau of Motor Vehicles.

Proof of Insurance Requirements in the State of Indiana

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The state of Indiana may be deemed much stricter than other states when in regards to the filing of proof of insurance. In addition to the SR-50 form, the state may require an insurer present a Certificate of Compliance (COC). The COC form must be filed under the following four conditions:

  • An auto accident occurs and an accident report is submitted to the BMV.
  • The driver receives a “pointable” moving violation within one year after committing with two other pointable violations.
  • The driver’s traffic violation rises to the level of a misdemeanor or a felony.
  • A driver, after a prior suspension for failing to provide proof of insurance, receives a pointable violation.

Actually, these four can be deemed times when filing the COC is mandatory. They are not the exclusive times. Per the law, the state of Indiana may request proof of insurance at will and under any circumstances.

Ultimately, the state wants to be sure a high-risk driver absolutely carries insurance.

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The Risky Driver on the Road

Concerns over risk are the reasons why the state of Indiana wants proof basic auto insurance is in place before restoring lost driving privileges. Someone who amassed enough points that driving privileges needed to be suspended reflects an accident risk.

Clearly, someone who chose not to carry insurance in violation of the state’s rules reflects a risk. So, providing a document of proof to the BMV becomes necessary before the state chooses to reissue a license.

The major concern of the suspended driver is how he/she can acquire affordable car insurance after a suspension and the past driving history is marred with serious violations. Comparison shopping for quality car insurance may lead to finding honest rates. No matter what a person’s background might be, the possibility of acquiring auto insurance is possible.

The High-Risk Driver

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A high-risk driver is not only someone who committed numerous moving violations. A policyholder whose insurance history shows numerous claims may be deemed a high risk. Most definitely, a person with several BMV points, driving under the influence convictions, and suspended driving privileges represents an elevated risk.

High-risk drivers must be more deliberate when searching for insurance. Placing random phone calls to one or two auto insurance companies might lead to rejection.

A valuable option entails performing online comparison shopping. Doing so allows a high-risk driver to field more than one quote for coverage. While high-risk auto insurance comes with far higher premiums than standard auto insurance, the possibility exists to find a competitive rate. Comparing a variety of quotes helps the process.

Add More Coverage

Yes, the cost of acquiring mandatory minimum coverage may be higher for a previously suspended driver than someone with no infractions. High costs may create concerns about adding more coverage beyond the minimums. Drivers should be more concerned about civil judgments than higher premium prices.

Paying for additional liability coverage as well as add-on coverage such as collision would probably be a good move.

High-risk drivers should look into protecting themselves financially from suffering from even more financial losses in the event of another incident.

The protections afforded by insurance should never be overlooked or taken for granted. Purchasing a reliable amount of coverage would be in the best interest of all drivers — high-risk included.

Starting Over with New Insurance

Drivers struggling with previous moving violations and license suspensions may feel overwhelmed about purchasing auto insurance. In truth, the process need not be as difficult as perceived.

The ability to acquire a variety of online quotes from high-risk insurers allows a fairly streamlined path to acquiring car insurance and regaining lost driving privileges. A new start, hopefully, can commence soon after the SR-50 is submitted.

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