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SR-22 Insurance — Indiana

SR-22 is not insurance—it's a certificate your insurer files with the state proving you carry at least minimum liability coverage.

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What Is SR-22 Insurance Insurance?

An SR-22 is a state-mandated form your insurance company files with the Indiana Bureau of Motor Vehicles confirming you carry at least the state's minimum liability coverage. The BMV orders an SR-22 after specific violations—most commonly DUI/OWI, driving without insurance, multiple moving violations within 12 months, or license suspension for unpaid tickets.

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Who Needs SR-22 Insurance Insurance?

You need SR-22 if the Indiana BMV explicitly ordered it in your suspension or reinstatement notice—most commonly after DUI/OWI, accumulating 18+ points in 24 months, driving uninsured, or refusing a chemical test. If you don't own a vehicle, a non-owner SR-22 policy satisfies the requirement and costs significantly less than owner coverage.

Check your BMV reinstatement notice under the 'Requirements' section—if it lists 'Proof of Financial Responsibility' or 'SR-22 filing,' you need it. If you own a car, get owner SR-22 coverage. If you don't, get non-owner SR-22.

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