Indiana SR-22 Insurance Requirements & Filings

The Indiana BMV requires anyone who operates a motor vehicle on public roadways to maintain active financial responsibility at all times. A driver may not legally operate a vehicle in Indiana without valid insurance coverage in place for the vehicle being driven or without being otherwise insured under an applicable policy.

Indiana enforces a 25/50/25 minimum liability insurance standard, meaning drivers must carry at least:

• $25,000 for bodily injury or death of one person
• $50,000 for bodily injury or death of two or more people in a single accident
• $25,000 for property damage resulting from one accident  

These minimum limits apply to all vehicles operated within the state. 

The Indiana Bureau of Motor Vehicles may require drivers to verify active insurance coverage in several situations, including but not limited to:

• Being involved in a traffic accident that results in an official accident report
• Receiving a moving violation after already accumulating multiple pointable offenses within a twelve-month period
• Being charged with or convicted of a serious traffic offense, including misdemeanors or felonies
• Receiving any pointable violation after a prior suspension for failure to maintain proof of insurance  

Insurance verification may still be required even if a related conviction is later reduced, dismissed, or removed from a driving record. 

If insurance verification is required, the BMV will send a notice to the mailing address on file requesting proof that valid coverage was in effect at the time of the incident. Drivers must then contact their insurance provider to submit a Certificate of Compliance (COC) electronically to the BMV.

The COC confirms that the driver and vehicle involved met Indiana’s minimum insurance requirements on the relevant date. This documentation must be received within 90 days of the BMV’s request. Failure to comply within that timeframe will result in a suspension of driving privileges.

If a suspension occurs, it can typically be resolved once the insurance provider submits a valid COC showing coverage for the applicable vehicle and incident date.

Certain insurance-related suspensions or court-ordered offenses may require a driver to maintain SR-22 insurance in order to reinstate or retain driving privileges. In these cases, the insurance provider must electronically file proof of future financial responsibility using an SR-22 filing.

For some insurance suspensions, the SR-22 requirement may be satisfied after maintaining continuous coverage for 180 consecutive days, provided no lapse or cancellation occurs during that period.

An SR-22 is not a separate insurance policy, but a state-mandated filing that verifies your insurance policy meets Indiana’s minimum liability standards. Once filed, the policy must remain active for the full required period.

If coverage is canceled, lapses, or is terminated early, the insurance company is required to notify the state. Any interruption in SR-22 coverage can trigger an immediate suspension until a new SR-22 is filed or the requirement period ends.

Maintaining uninterrupted coverage is critical to avoiding reinstatement delays, additional fees, or extended suspension periods.