Key Takeaways

  • First offense for no insurance results in fines of $150-$1,000 and license/registration suspension
  • Subsequent violations result in higher fines and longer suspensions
  • SR-22 financial responsibility filing may be required for reinstatement
  • Indiana uses the BMV to verify insurance coverage on registered vehicles
  • Vehicle impoundment may occur for repeat offenders
Last updated: January 2026

Indiana Auto Insurance Penalties & Requirements

Penalties for Driving Without Insurance

ViolationPenalty
First Offense$150 - $1,000 fine, license/registration suspension
Subsequent OffensesHigher fines, extended suspension
After At-Fault AccidentSR-22 required, potential civil liability

License and Registration Consequences

Suspension

  • Driver's license suspension
  • Vehicle registration suspension
  • Cannot be reinstated until:
    • Valid insurance obtained
    • SR-22 filed (if required)
    • Reinstatement fees paid

SR-22 Financial Responsibility

What is an SR-22?

An SR-22 is a certificate filed by your insurance company with the Indiana BMV proving you have the required minimum liability coverage.

When Required

  • Driving without insurance conviction
  • At-fault accident while uninsured
  • Serious traffic violations
  • License reinstatement after suspension

Duration

  • Typically required for 3 years
  • Must maintain continuous coverage
  • Lapse in coverage triggers automatic suspension

BMV Insurance Verification

The Indiana Bureau of Motor Vehicles (BMV):

  • Monitors insurance status of registered vehicles
  • Receives reports from insurance companies
  • Sends notices when coverage lapses
  • Suspends registration for uninsured vehicles

Additional Coverages (Optional but Recommended)

Collision Coverage

  • Pays for damage to your vehicle from collision
  • Subject to deductible
  • Not required by Indiana law

Comprehensive Coverage

  • Covers non-collision losses (theft, weather, animals)
  • Subject to deductible
  • Not required by Indiana law

Medical Payments (MedPay)

  • Pays medical expenses regardless of fault
  • Available to driver and passengers
  • Not required in Indiana

Exam Tip: An SR-22 is not insurance itself - it's a certificate proving you have insurance. Indiana typically requires SR-22 filing for 3 years after serious violations.

Test Your Knowledge

What is an SR-22 in Indiana?

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Test Your Knowledge

How long is an SR-22 typically required in Indiana?

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Test Your Knowledge

Which of the following coverages is required by Indiana law?

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D