SR-22 Filing With Comprehensive and Collision Coverage
Your lender requires full coverage — comprehensive and collision — and the Indiana BMV requires SR-22 proof of financial responsibility. You need both. Most quotes combine these into a single monthly premium without breaking out the SR-22 surcharge separately, which makes it difficult to tell where the cost increase actually comes from.
Full coverage SR-22 insurance in Indiana typically costs $180 to $285 per month for drivers with DUI or license suspension triggers. The SR-22 filing itself adds $25 to $65 per month to whatever your base comprehensive and collision premium would have been. The base premium depends on your vehicle value, deductible selections, and violation history. The SR-22 surcharge is applied on top.
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Get Your Free QuoteIndiana SR-22 Surcharge
$25–$65/mo
The SR-22 filing requirement adds this monthly amount to your base full coverage premium. Carriers price this differently — some apply a flat surcharge, others adjust your risk tier, which raises both liability and physical damage premiums together.
Carrier rate filings, Indiana Department of Insurance
Why the Combined Premium Is Confusing
Indiana law requires you to carry SR-22 for three years after a DUI conviction or certain other violations. The SR-22 is not insurance — it is a certificate your carrier files with the BMV confirming you hold at least the state minimum liability coverage: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage.
If you finance or lease a vehicle, your lender requires comprehensive and collision coverage to protect their collateral. That requirement exists independently of your SR-22 filing obligation. You end up carrying both: the liability coverage the SR-22 certifies, plus the physical damage coverage your lender demands.
Most carriers quote this as a single bundled premium. They do not itemize the SR-22 surcharge separately on the declaration page. The premium you see reflects your total exposure: your violation history triggers the SR-22 requirement, which places you in a higher risk tier, which raises the cost of all coverages simultaneously.
Carriers apply the SR-22 surcharge in two ways: a flat monthly fee added to any policy, or a tier adjustment that raises your base rate across all coverages.
How Carriers Price SR-22 Full Coverage Differently
Progressive, Geico, and State Farm typically apply a flat SR-22 administrative surcharge — $20 to $50 per month — on top of your base premium. This method keeps the SR-22 cost predictable and separable. If you drop comprehensive and collision after paying off your loan, the SR-22 surcharge remains constant while your base premium falls.
Bristol West, Gainsco, and The General often adjust your risk tier instead. This means the SR-22 requirement triggers a classification change that raises all coverage premiums simultaneously. You pay more for liability and more for physical damage. The surcharge is not itemized; it is baked into the base rate you are quoted.
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Indiana Minimum Coverage vs Full Coverage With SR-22
If you own your vehicle outright, you can satisfy the SR-22 requirement with minimum liability coverage only. That typically costs $95 to $160 per month in Indiana for drivers with a DUI or suspension trigger. The SR-22 surcharge applies, but you avoid paying for comprehensive and collision premiums.
Full coverage adds comprehensive and collision to that base liability policy. Comprehensive covers theft, vandalism, weather, and animal strikes. Collision covers damage from accidents regardless of fault. Deductibles typically range from $500 to $1,000 per coverage. Adding both to a minimum liability SR-22 policy raises the monthly premium by $85 to $125, depending on your vehicle's value and your deductible selections.
The difference between minimum SR-22 and full coverage SR-22 is not the filing itself — that requirement does not change. The difference is whether you carry physical damage coverage to protect the vehicle. Your lender decides that, not the BMV.
Full Coverage Add Cost
$85–$125/mo
This is the typical monthly increase when you add comprehensive and collision to a minimum liability SR-22 policy in Indiana. The range reflects vehicle value and deductible selections. Newer financed vehicles with $500 deductibles sit at the high end; older paid-off cars with $1,000 deductibles sit at the low end.
Indiana carrier rate comparisons, 2025
What Happens When You Pay Off the Vehicle
Once your lien is satisfied, your lender releases the comprehensive and collision requirement. You can drop both coverages and return to minimum liability-only SR-22 coverage. Your premium drops immediately — typically by $85 to $125 per month — while the SR-22 filing remains active. The BMV does not care whether you carry physical damage coverage; they only monitor the liability portion certified by the SR-22.
If you drop comprehensive and collision before satisfying your lien, your lender will force-place insurance at a much higher cost and charge you for it. Force-placed coverage protects only the lender's collateral, not your liability exposure, and does not satisfy the SR-22 requirement. You would still owe the full premium to the lender while also needing to purchase a separate liability-only SR-22 policy to avoid BMV suspension.
Compare Carriers Writing SR-22 Full Coverage in Indiana
Not every carrier writes SR-22 policies with comprehensive and collision coverage in Indiana. Acceptance, Bristol West, Dairyland, Gainsco, Geico, The General, National General, Progressive, and State Farm all write full coverage SR-22 policies statewide. Some require broker placement; others quote online directly.
Request quotes from at least three carriers. Ask each to itemize the SR-22 surcharge separately if possible. Compare the total monthly premium, the deductible structure, and whether the carrier applies a flat surcharge or a tier adjustment. Tier adjustments compound over time as your violation ages, while flat surcharges remain constant regardless of how long you have held the policy.