FAQ and Information

Our Most Frequently Asked Questions

What does an SR-22 actually do in Indiana?

How long do drivers usually need SR-22 insurance in Indiana?

Why would Indiana require someone to file an SR-22?

An SR-22 confirms that you carry an active auto insurance policy meeting Indiana’s minimum liability requirements. It is not insurance itself, but a state-required filing submitted by your insurance provider to verify financial responsibility. If coverage ends early, the state is notified automatically, which can trigger a license suspension.

Why would Indiana require someone to file an SR-22?

How long do drivers usually need SR-22 insurance in Indiana?

Why would Indiana require someone to file an SR-22?

Indiana typically requires an SR-22 after serious driving events such as operating without insurance, an OWI or DUI conviction, repeated traffic violations, or court-ordered reinstatement. The filing allows the state to closely monitor coverage and ensure the driver maintains continuous insurance for the required period.

How long do drivers usually need SR-22 insurance in Indiana?

How long do drivers usually need SR-22 insurance in Indiana?

How long do drivers usually need SR-22 insurance in Indiana?

Most Indiana drivers are required to maintain an SR-22 for approximately three (3) years. The exact length depends on the violation that caused the requirement. Any lapse in coverage may restart the clock, making uninterrupted insurance one of the most important parts of staying compliant.

Does the SR-22 filing reinstate my license automatically?

Does the SR-22 filing reinstate my license automatically?

How long do drivers usually need SR-22 insurance in Indiana?

Filing an SR-22 is only one step in the reinstatement process. Drivers may also need to pay reinstatement fees, resolve court requirements, or submit additional documentation. Once all conditions are met and the SR-22 is accepted, driving privileges may be restored.

How does the state verify that my insurance is active?

Does the SR-22 filing reinstate my license automatically?

How does the state verify that my insurance is active?

Indiana receives electronic confirmation directly from insurance providers. If coverage changes or ends, the state is alerted automatically. Drivers do not need to submit ongoing paperwork as long as their policy remains active and compliant throughout the required period.

What are Indiana’s minimum liability limits?

Does the SR-22 filing reinstate my license automatically?

How does the state verify that my insurance is active?

Indiana requires drivers to carry minimum liability limits of $25,000 for injury to one person, $50,000 for injury to multiple people in a single accident, and $25,000 for property damage. These limits apply to all vehicles operated on public roadways within the state.

Is SR-22 insurance more expensive than regular auto insurance?

Is SR-22 insurance more expensive than regular auto insurance?

Is SR-22 insurance more expensive than regular auto insurance?

The SR-22 filing itself is inexpensive, but the underlying insurance policy may cost more depending on driving history. Rates vary based on violations, vehicle type, location, and coverage level. Many drivers are surprised to find affordable options still exist when policies are structured correctly.

Can I get SR-22 insurance if I don’t own a car?

Is SR-22 insurance more expensive than regular auto insurance?

Is SR-22 insurance more expensive than regular auto insurance?

Yes. Indiana allows non-owner SR-22 policies for drivers who do not own a vehicle but still need to satisfy a filing requirement. This type of policy provides liability coverage when driving vehicles you don’t own and is often less expensive than a standard owner policy.

What happens if my SR-22 policy is canceled or lapses?

Is SR-22 insurance more expensive than regular auto insurance?

Can I switch insurance companies while carrying an SR-22?

If your insurance ends for any reason, your provider is required to notify the state. This notification can result in an immediate license suspension and additional reinstatement requirements. Maintaining continuous coverage is critical to avoiding delays, added fees, and extended suspension periods.

Can I switch insurance companies while carrying an SR-22?

Can I switch insurance companies while carrying an SR-22?

Can I switch insurance companies while carrying an SR-22?

Yes, but switching must be handled carefully. The new policy must be active before the old one is canceled, and the new insurer must file the SR-22 without interruption. Improper timing can cause a lapse, which may reset your required filing period.

Is SR-22 insurance required for every traffic violation?

Can I switch insurance companies while carrying an SR-22?

Is SR-22 insurance required for every traffic violation?

No. Minor citations usually do not trigger an SR-22 requirement. The filing is generally reserved for more serious offenses, repeated violations, or insurance-related suspensions. The Indiana BMV determines when proof of future financial responsibility is necessary.

Does Indiana require an SR-22 for out-of-state drivers?

Can I switch insurance companies while carrying an SR-22?

Is SR-22 insurance required for every traffic violation?

If Indiana requires an SR-22 due to a suspension or conviction, the filing must still be maintained even if you live elsewhere. In many cases, drivers can carry an SR-22 policy issued in their home state while satisfying Indiana’s requirement.