Indiana SR-22 Auto Insurance
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SR-22 Insurance After License Suspension

Indiana requires SR-22 filing to reinstate driving privileges after suspension.

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How It Works

  1. Enter your ZIP code and tell us about your suspension type

  2. Get matched with carriers who write policies for suspended license drivers in your state

  3. Choose your coverage and your insurer files any required SR-22 directly with your state DMV

Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

A bearded man in a dark polo shirt sits at a wooden desk using a laptop, with printed drawings in the foreground, a framed picture and shelf behind him, and a window showing a sunset.SR-22 InsuranceAn SR-22 is a liability insurance certificate your carrier files with the state to prove continuous coverage. Indiana requires it for 3 years after DUI, reckless driving, or driving without insurance.An open black mailbox with a raised red flag on a weathered wooden post, holding a tan envelope, beside a driveway with a parked dark SUV and a light-colored garage at dusk.Non-Owner SR-22Non-owner SR-22 satisfies state filing requirements without owning a vehicle. Costs $25–$50/month and covers liability when you drive borrowed or rental cars during suspension.A woman with long brown hair sits in a vehicle's driver seat behind the steering wheel, holding a phone to her ear and looking to the side, seen through the windshield.Liability InsuranceLiability pays for damage you cause to others. Indiana's state minimum is 25/50/25, meaning $25k per person, $50k per accident for injury, and $25k for property damage.A bearded man in a dark button-up shirt sits at a wooden table using an open laptop, with a mug, spiral notebook, rolled papers with a pen, a desk lamp and a framed landscape print behind him, and a window showing evergreen trees at dusk.Uninsured Motorist CoverageUninsured motorist coverage protects you when hit by a driver with no insurance. Indiana does not require it, but 14% of state drivers are uninsured—among the highest rates in the Midwest.Driver's-eye view from inside a car at night, with two hands on the steering wheel, illuminated instrument dials, and a multi-lane road with blurred streetlights and taillights ahead.Non-Standard Auto InsuranceNon-standard carriers specialize in high-risk drivers with suspensions, DUIs, or lapses. Rates run 40–110% higher than standard market, but approval is nearly guaranteed with valid license reinstatement.

Recent Articles

A woman in a light button-up shirt sits in the driver's seat of a vehicle holding a phone to her ear, viewed through the windshield, with green trees blurred in the background.7/13/2026Check Indiana SR-22 Filing StatusIndiana's INSPECT system shows your SR-22 in 24-48 hours. Skip the phone tag: your carrier or BMV can confirm it.Close view from inside a vehicle at night showing two hands gripping a steering wheel, with illuminated instrument dials and blurred street lights through the windshield.7/7/2026SR-22 After Uninsured Driving Ticket INIndiana uninsured driving ticket triggers 90–365 day suspension plus mandatory 6-month SR-22. Reinstatement fee: $250. File before paying to avoid delays.A bearded man in a dark shirt sits at a wooden desk working on an open laptop, with rolled drawings, a dark mug, a pen cup and notebooks nearby, a shelving unit behind him and a window showing warm sunset light.7/7/2026Indiana SR-22 After Uninsured DrivingIndiana suspends licenses 90-365 days for uninsured driving and requires SR-22 for 6 months. Filing costs $250 plus premium. Compare carrier options.
A woman in a tan coat, dark shirt, dark jeans and brown ankle boots walks across a wet parking lot at night, holding a phone, with parked SUVs and a lit lamp post behind her.

Find a Indiana Policy That Covers Your Filing

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Frequently Asked Questions

Do I need insurance if my license is currently suspended?

Yes, if you want to reinstate it. Indiana requires proof of insurance and SR-22 filing before the BMV will lift most suspensions. You cannot legally drive during suspension, but you must carry a policy to begin the reinstatement process.

How long does SR-22 filing last in Indiana?

Indiana requires SR-22 for 3 years from the date of conviction or suspension trigger. If your policy lapses during that period, the carrier notifies the BMV and your license is re-suspended within 10 days.

Can I get a hardship license while suspended in Indiana?

Indiana offers Specialized Driving Privileges for work, school, or medical travel during certain suspensions. You must file a petition with the court, prove hardship, and maintain SR-22 insurance. Approval takes 30–60 days and restricts driving to approved routes and times.

What's the difference between SR-22 and FR-44?

Indiana uses SR-22. FR-44 is required only in Florida and Virginia for DUI offenses and mandates higher liability limits (100/300/50). If you move from Florida or Virginia to Indiana, the BMV converts the FR-44 requirement to SR-22 with Indiana's standard minimums.