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SR-22 in Indiana: Fees, Minimum Coverage and How Long
The short answer
In Indiana, an SR-22 is a certificate your insurance company files with the Indiana BMV to prove you carry at least the state minimum liability insurance of $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). You must keep it in force for 180 days after an insurance suspension; 3 years after OWI and unpaid judgment suspensions; if the policy is canceled early, the insurer reports it and your license can be suspended again. The state charges no fee for the SR-22 itself; your insurer may charge its own filing fee. The state's reinstatement fees are $250 to $1,000, depending on the suspension.
At a glance
| Uses SR-22 | Yes |
|---|---|
| Minimum liability | 25/50/25 |
| How long | 180 days after an insurance suspension; 3 years after OWI and unpaid judgment suspensions |
| State reinstatement fee | $250 to $1,000 |
| Who files it | Your insurance company |
What else to know in Indiana
Indiana's reinstatement fee is $250 for a first suspension, $500 for a second and $1,000 for a third or later, but it is waived if you end the suspension by keeping an SR-22 for the required period. Indiana also uses an SR-50 form, which shows current insurance and does not replace the SR-22.
Steps
- Get a liability policy of at least 25/50/25 from an insurer licensed in Indiana and tell them you need an SR-22. Not every insurer provides it.
- The insurer files the SR-22 with the Indiana BMV. You cannot file it yourself.
- Pay the state's fees on your suspension notice. The state's reinstatement fees are $250 to $1,000, depending on the suspension.
- Keep the policy active for 180 days after an insurance suspension; 3 years after OWI and unpaid judgment suspensions. Before you cancel, confirm with the state that your requirement has ended; canceling early can suspend your license again.
FAQ
How long do I need the SR-22 in Indiana?
180 days after an insurance suspension; 3 years after OWI and unpaid judgment suspensions, under Indiana's rules (see the sources below).
Does Indiana charge a fee for the SR-22?
No. It is filed by your insurer, which may add its own charge. The state's reinstatement fees are $250 to $1,000, depending on the suspension.
Can I get an SR-22 without a car?
Yes. Some insurers offer non-owner SR-22 policies for drivers without a vehicle. Coverage depends on the policy; ask the insurer.
What liability limits does Indiana require?
$25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Some states also require other coverage, such as personal injury protection or uninsured motorist coverage; check with the state agency.