Official Indiana Guide

Indiana SR-22 Insurance

A complete roadmap to satisfying Indiana BMV requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

25/50/25

$25k BI / $50k Total / $25k PD

Mandate Term

3 Years

Standard for most first-time violations

Filing Fee

~$15 - $25

One-time administrative cost

How Indiana SR-22 Filing Works

In Indiana, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Indiana Bureau of Motor Vehicles (BMV). It serves as proof that you carry the state-mandated minimum liability insurance (25/50/25) required to restore and maintain your driving privileges.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period.

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Who Needs to File in IN?

OWI Conviction: Operating While Intoxicated (OWI) is the most common trigger for a mandatory SR-22 filing.
No-Insurance Violation: Failure to provide proof of financial responsibility when requested by the BMV or law enforcement.
Excessive Points: Accumulating too many points on your driving record resulting in an administrative suspension.
Serious Moving Violations: Reckless driving or multiple violations within a 12-month period.

Don't Own a Car in Indiana?

You can still get reinstated! An Indiana Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow or rent. It satisfies the Indiana BMV requirement and is typically the most affordable way to restore your license if you do not own a vehicle.

Read our full guide on Non-Owner policies

The IN Reinstatement Timeline

Check Eligibility

Log into the 'myBMV' portal to view your driver record and verify your specific reinstatement requirements and fees.

Secure SR-22

Purchase a policy with 25/50/25 limits. Your insurance carrier will electronically transmit the certificate directly to the BMV.

Pay Reinstatement Fees

Pay the mandatory fees (typically $150-$300) online through the myBMV portal to clear the administrative hold.

License Reissued

Once the SR-22 is verified and fees are processed, your status returns to 'Valid' and you can drive legally.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Indiana:

First Offense

Class A Infraction / Misdemeanor

Court Fines

Up to $500 + Surcharges

SR-22 Period

3-Year Clock Resets

Vehicle Impact

Impoundment & Plate Suspension

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Indiana Filing FAQs

How much is the filing fee in Indiana?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the Indiana BMV. This is separate from your monthly premium.

Can I drive out of state with an IN SR-22?

Yes. Your Indiana SR-22 is valid nationwide. You must maintain the Indiana-specific limits (25/50/25) to satisfy the state's requirement.

What is the difference between SR-22 and normal insurance?

An SR-22 is not insurance itself; it is a certificate of financial responsibility attached to your policy that notifies the BMV if your coverage is ever cancelled.

Can I get a Non-Owner policy in IN?

Yes, Indiana allows Non-Owner SR-22 filings. This is often the most cost-effective route to reinstatement for drivers without a car.

Will my license be suspended if I miss a payment?

Yes. Indiana law requires insurers to notify the BMV immediately (via SR-26) if your policy lapses, which triggers an instant automatic suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, verify with the Indiana BMV that your requirement is clear. You can then instruct your insurer to remove the filing.

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