SR-22 in Indiana

Checked against official Indiana sources · Last reviewed October 5, 2026

Indiana requires an SR22, its name for proof of future financial responsibility, after certain insurance suspensions and court convictions. Your insurer files it electronically with the Bureau of Motor Vehicles (BMV).

How long you keep it depends on why. For a no-insurance suspension, it's 180 days in a row. After an OWI-type suspension, it's 3 years after the suspension ends. [1][2][3]

Uses SR-22?: Yes
How long: 6 months [2]
After a DUI: 3 years [3]
Base reinstatement fee: $250 [2]
Minimum liability coverage: 25/50/25 [4]

Does Indiana require an SR-22?

Yes. Indiana requires an SR22 (proof of future financial responsibility), filed electronically by your insurer with the Bureau of Motor Vehicles, after certain insurance suspensions and court convictions. [1]

Form: SR22 (proof of future financial responsibility). Cancellations are reported on an SR26. Indiana also uses a Certificate of Compliance (COC) to prove you were insured on a past date; that is a different form. [2]

How long do you need an SR-22 in Indiana?

180 consecutive days for a no-insurance suspension that took effect on or after December 31, 2021. Other SR22 requirements are longer: 3 years after an OWI-type suspension, and the BMV says an SR22 may be imposed for up to 5 years. [2]

After a DUI

3 years following the end of a suspension under the OWI and implied-consent chapters (IC 9-30-5, 9-30-6, 9-30-9). During those 3 years your license stays suspended unless proof of future financial responsibility is on file. [3]

What does reinstatement cost?

$250 BMV reinstatement fee for a first no-insurance suspension ($500 second, $1,000 third or later, for suspensions after Jan. 1, 2015). The fee is not owed if your insurer files an SR22 and you keep it continuously for 180 days. Other suspension types carry their own fees. [2]

We couldn't confirm whether Indiana charges its own fee to file an SR-22. Your insurer may charge one.

What coverage do you need?

$25,000 bodily injury per person, $50,000 bodily injury per accident, $25,000 property damage per accident [4]

What happens if your SR-22 lapses?

If your insurer cancels the SR22, it files an SR26 with the BMV and the BMV must suspend your driving privileges until it receives a new SR22 or the requirement period ends. If this happens during the 180-day stay of a no-insurance suspension, the stay is removed, the suspension becomes active again, and the reinstatement fee comes back due. [2]

Don't own a car?

Yes. Indiana law says that when a person who must give proof of financial responsibility does not own a vehicle, an operator's policy of liability insurance is sufficient proof. [5]

Who has to file one?

A court conviction for driving without insurance or a BMV suspension for failing to file insurance; suspensions under Indiana's OWI and implied-consent laws (3 years after the suspension ends); court-granted specialized driving privileges (for as long as they last); optionally, to stay a failure-to-appear or failure-to-pay suspension; and reinstatement after an unpaid crash judgment (3 years). [2]

Who handles it

Indiana Bureau of Motor Vehicles (BMV). Insurers file SR22s and SR26s electronically through the BMV's Electronic Insurance Forms Submission (EIFS) program. [1]

Common questions

How does the 180-day rule for no insurance work?

For no-insurance suspensions that started on or after December 31, 2021, the suspension has no fixed end date. It is put on hold once the BMV receives your SR22, and it ends after you keep the SR22 continuously for 180 days. [1][2]

How much is the no-insurance reinstatement fee?

For suspensions after January 1, 2015, it's $250 the first time, $500 the second, and $1,000 for the third or later. You don't owe it if your insurer files an SR22 and you keep it continuously for 180 days. [2]

When does the 3 years start after an OWI?

Indiana law starts the 3 years when your suspension ends, not when you're convicted. During those 3 years your license stays suspended unless an SR22 is on file. Being only arrested or charged doesn't trigger this unless you're convicted. [3]

The BMV asked for a COC. Is that the same as an SR22?

No. A Certificate of Compliance (COC) proves you were insured on a past date, like the day of a crash or ticket, and your insurer must file it within 90 days of the BMV's request. An SR22 proves you'll stay insured going forward. [2]

What happens if my SR22 is cancelled?

Your insurer files an SR26, and the BMV must suspend your driving privileges until it gets a new SR22 or your requirement period ends. If this happens during a 180-day no-insurance hold, the suspension becomes active again and the reinstatement fee comes back due. [2]

I don't own a car. What do I need?

Indiana law says an operator's policy of liability insurance is enough proof for someone who doesn't own a vehicle. [5]

Sources

Indiana BMV - Proof of Financial Responsibility (official agency page, accessed Oct 5, 2026)
Indiana Driver's Manual, Chapter 5 - Points, Suspension, and Insurance Requirements (official agency page, accessed Oct 5, 2026)
Indiana Code 9-30-6-12 - Suspension period; proof of future financial responsibility (FindLaw copy, current through Jan. 1, 2026) (statute, accessed Oct 5, 2026)
Indiana Code 9-25-4-5 - Minimum amounts of financial responsibility (FindLaw copy) (statute, accessed Oct 5, 2026)
Indiana Code 9-25-5-7 - Proof of financial responsibility by a person other than a vehicle owner (FindLaw copy) (statute, accessed Oct 5, 2026)