SR-22 Insurance in Indiana
Indiana requires SR-22 insurance for 3 years (5 years for 3rd offense) after qualifying offenses. You must carry at least $25,000/$50,000 bodily injury and $25,000 property damage coverage. Common triggers include dui/owi conviction, habitual traffic violator, driving without insurance. Indiana uses the term OWI (Operating While Intoxicated) instead of DUI.
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Overview
Indiana SR-22 insurance is required for three years for first- and second-time license suspensions, but a third offense means mandatory SR-22 insurance for five years. This keeps the state up to date with a driver's insurance to make sure they have the minimum coverage.
Key Facts
Minimum Coverage Requirements
What Triggers SR-22 Requirement
- DUI/OWI conviction
- Habitual traffic violator
- Driving without insurance
- License suspension
Cost
How to File
Contact Your Insurance Provider
Call your current auto insurance company and request an SR-22 filing. Not all insurers offer SR-22 — if yours doesn't, you'll need to find a new provider. Compare quotes from multiple companies to find the best rate.
Purchase Required Coverage
Ensure your policy meets Indiana's minimum requirements: $25,000/$50,000 bodily injury and $25,000 property damage.
Insurer Files SR-22 with the State
Your insurance company electronically files the SR-22 certificate with the Indiana DMV/motor vehicle agency. This usually takes 1-3 business days. You'll receive a confirmation copy.
Apply for License Reinstatement
Once the SR-22 is on file, complete your license reinstatement process including paying the reinstatement fee and any outstanding fines or court costs.
Maintain Continuous Coverage for 3 years (5 years for 3rd offense)
Keep your SR-22 insurance active for the full required period of 3 years (5 years for 3rd offense) without any lapses. Set up autopay to avoid missed payments. If your policy lapses, your insurer will notify the state and your license may be re-suspended.
What Happens If Coverage Lapses
If your SR-22 insurance lapses in Indiana, your insurer is required to notify the state DMV by filing an SR-26 form. This will likely result in immediate license suspension, potential fines, and a restart of the full SR-22 filing period (3 years (5 years for 3rd offense)). Avoid any gaps in coverage by setting up automatic payments.
Important Notes
Indiana uses the term OWI (Operating While Intoxicated) instead of DUI.
Frequently Asked Questions
- How long do I need SR-22 insurance in Indiana?
- In Indiana, you typically need to maintain SR-22 insurance for 3 years (5 years for 3rd offense). The clock starts from the date your SR-22 is filed with the state. Any lapse in coverage may reset this timeline.
- How much does SR-22 insurance cost in Indiana?
- The SR-22 filing fee itself is typically $15-$50. However, the real cost is the insurance premium increase — expect to pay $300-$800+ more per year than standard rates. Total additional cost over the filing period is typically $1,000-$3,000+. Shop around and compare quotes to find the best rate.
- What triggers SR-22 requirement in Indiana?
- Common triggers include: DUI/OWI conviction, Habitual traffic violator, Driving without insurance, License suspension. The specific requirement depends on the offense and may be determined by the court or DMV.
- What happens if my SR-22 lapses in Indiana?
- If your SR-22 policy lapses, your insurance company is required to notify the Indiana DMV. Your license will likely be re-suspended, and you may need to restart the entire SR-22 filing period from the beginning. You could also face additional fines and penalties.
- What are Indiana's minimum coverage requirements for SR-22?
- Indiana requires minimum coverage of $25,000 per person / $50,000 per accident for bodily injury and $25,000 for property damage.
Video Guides
Take Action — Direct Links
- Indiana DMV — License Reinstatement
Official information about license reinstatement requirements in Indiana, including SR-22 filing instructions.
- Indiana Minimum Insurance Requirements
Insurance Information Institute — Indiana minimum coverage: $25,000/$50,000/$25,000.
- Compare SR-22 Insurance Quotes
Compare SR-22 insurance quotes from multiple providers to find the best rate.
More for Indiana
Suspension periods, IID requirements, penalties, and step-by-step reinstatement process.
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