SR-22 insurance in Indiana
What Indiana requires after a DUI, a lapse or driving uninsured, how long the filing lasts, what it costs the state, whether a non-owner filing works, and which companies in Indiana write the policies that carry it, from the state's own pages and the insurance company directory.
Indiana uses the SR-22 filing. Who needs it: Insurance suspensions (no proof of coverage after an accident or certain violations), some court suspensions, failure to appear/pay, Specialized Driving Privileges, and unpaid judgments. How long: 180 days with no lapse for insurance suspensions; up to 3 or 5 years for other reasons; 3 years for unpaid judgments. The insurer files it electronically with the state once the policy is bound; a non-standard auto policy with the filing is often cheaper than people expect. 0 companies write personal auto in Indiana; the ones used to filings are tagged below.
By Sam Alishahi, independent insurance broker · Every state
What Indiana requires
From Indiana Bureau of Motor Vehicles (BMV); sources at the bottom.
| Filing | SR-22 |
|---|---|
| Who needs it | Insurance suspensions (no proof of coverage after an accident or certain violations), some court suspensions, failure to appear/pay, Specialized Driving Privileges, and unpaid judgments. |
| How long | 180 days with no lapse for insurance suspensions; up to 3 or 5 years for other reasons; 3 years for unpaid judgments. |
| State fees | No state SR-22 filing fee; insurer charges vary. Insurance suspension reinstatement: $250 first, $500 second, $1,000 third or later; no fee if SR-22 kept the required time. |
| Non-owner filing | Not stated by the state for the SR-22 itself. Operator's (non-owner) policies are accepted for proof-of-coverage forms. |
| How it's filed | Only your insurer can file: it submits the SR-22 electronically through the BMV's EIFS system, usually posting within 24 hours. The BMV does not accept policy documents from drivers. |
| If the policy cancels | Your insurer files an SR-26 with 10 days' notice, and your privileges are suspended until a new SR-22 is filed. A lapse in the 180-day stay ends it. Whether 3- or 5-year periods restart: not stated. |
| Minimum liability limits | 25/50/25 (bodily injury per person / per accident / property damage) |
| Who handles it | Indiana Bureau of Motor Vehicles (BMV) |
How to get it today
- Send the quote request with the reason for the filing (DUI, lapse, uninsured accident) and the date the state gave you; that goes to the companies above that take it.
- Bind the policy; the insurer sends the SR-22 to the state electronically the same day in most cases.
- Keep the policy paid for the whole period: a cancellation is reported to the state and usually restarts the suspension.
I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Questions people ask
How long do I need an SR-22 in Indiana?
180 days with no lapse for insurance suspensions; up to 3 or 5 years for other reasons; 3 years for unpaid judgments.
Who needs an SR-22 in Indiana?
Insurance suspensions (no proof of coverage after an accident or certain violations), some court suspensions, failure to appear/pay, Specialized Driving Privileges, and unpaid judgments.
Can I get a non-owner SR-22 in Indiana?
Not stated by the state for the SR-22 itself. Operator's (non-owner) policies are accepted for proof-of-coverage forms.
What happens if my policy cancels during the SR-22 period?
Your insurer files an SR-26 with 10 days' notice, and your privileges are suspended until a new SR-22 is filed. A lapse in the 180-day stay ends it. Whether 3- or 5-year periods restart: not stated.
Sources
- https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/proof-of-financial-responsibility
- https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/reinstating-your-driving-privileges
- https://www.in.gov/bmv/resources/insurance-agents/electronic-insurance-forms-submission-faqs
- https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/suspension-reinstatement-and-insurance-forms
- https://iga.in.gov/ic/2025/Title_9.html
Send it once. It gets filed.
A few minutes to request the quote; the companies that file SR-22 answer by email, and the filing goes to the state when you bind.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.