SR-50 Car Insurance: When Do You Need It?

In Indiana, an SR-50 car insurance form proves you are carrying the minimum coverage requirements after you' re involved in a moving violation. SR-50 car insurance policies are only issued in the state of Indiana. Enter your ZIP code below to start comparing SR-50 car insurance quotes for free with our comparison tool.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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UPDATED: Sep 15, 2020

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Here's what you need to know...

  • SR-50 is an insurance requirement specific to the state of Indiana
  • SR-50 is a form that is submitted to the Indiana Bureau of Motor Vehicles as a form of proof of at least the minimum required auto insurance coverage
  • Drivers in Indiana are required to show proof of auto insurance coverage through an SR-50 form once they have been involved in a moving violation or accident

If you are a driver in Indiana, you are required to maintain car insurance for your vehicle.

The SR-50 auto insurance form demonstrates to the Indiana Bureau of Motor Vehicles that the driver has at least the minimum amount of liability coverage required. It is also commonly referred to as the SR-50 Affidavit of Current Insurance.

If you are required to submit an SR-50 auto insurance form to the Indiana Bureau of Motor Vehicles, you may be able to get a better insurance rate depending on various discounts that could apply to you.

Even though the Indiana law only requires a minimum level of liability coverage, you may want to consider additional coverage, depending on your financial situation and ability to pay for the damage from a potential car accident.

Start comparison shopping today by entering your zip code into our FREE comparison tool above!

What information is included on the SR-50 affidavit?

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It is important to note that the start date on the SR-50 insurance form cannot be a future date.

Your auto policy must already be in effect to legally file an SR-50 insurance form with the Indiana Bureau of Motor Vehicles.

The need to file proof of current auto insurance coverage through an SR-50 form may show up on an individual’s official driving record through the Indiana Bureau of Motor Vehicles.

The SR-50 form could be a condition of reinstatement of a driver’s license after a failure to show proof of auto insurance coverage.

Failure to meet these requirements could prevent you from being able to drive legally or have your vehicle registration reinstated by the state.

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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How is the SR-50 form for proof of current insurance filed?

The SR-50 form for proof of current auto insurance coverage is considered part of the electronic insurance form submissions (EIFS) through the Indiana Bureau of Motor Vehicles.

An actual SR-50 form is an online form that is submitted directly by your insurance company online for the Indiana Bureau of Motor Vehicles.

Once you have signed up for an auto insurance policy that meets the requirements for proof of current insurance with the Indiana Bureau of Motor Vehicles, the form can be submitted instantaneously.

After the submission of the SR-50 auto insurance form, it only takes about 24 hours to post to your official driving record with the state.

Information on Driver’s License Reinstatement

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You can now check the status of your driving record online through the Indiana Bureau of Motor Vehicles by following the online instructions.

In addition to having your SR-50 auto insurance form submitted, you may be required to pay a fee to have your driver’s license reinstated.

You can also use the online reinstatement form to pay your fee to the Indiana Bureau of Motor Vehicles.

SR-50 auto insurance is a requirement that is unique to the Indiana Bureau of Motor Vehicles.

It is an official form that is submitted by the driver, proves coverage for the minimum liability insurance required. It is also required as a condition to reinstate your driver’s license

If you’re not maintaining the right kind of coverage, use our FREE comparison tool below to collect quotes and select the right kind of coverage!

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