Driving Without Insurance in Indiana

Driving without the required insurance leads to suspension of driving privileges and reinstatement fees. No-insurance suspensions effective on or after Dec. 31, 2021 are indefinite; they can be stayed when the insurer files an SR22 and end after the SR22 is kept continuously for 180 days. Reinstatement fees for no-insurance suspensions after Jan. 1, 2015 are $250 for a first, $500 for a second and $1,000 for a third or later suspension, but a driver who keeps an SR22 for 180 consecutive days can reinstate without paying the fee. If the insurer can show the driver was insured on the date in question, it can file a Certificate of Compliance to remove the suspension.

Indiana verifies insurance through the BMV rather than at roadside: insurance information given to a police officer is not sent to the BMV. The BMV mails a request to verify financial responsibility after an accident report, a pointable moving violation within a year of two others, a serious (misdemeanor or felony) traffic violation, any pointable violation by someone previously suspended for lack of proof, or at any time. The driver's insurer must then file a Certificate of Compliance electronically within 90 days of the BMV's request, or driving privileges are suspended. Only insurers can submit proof; the BMV does not accept policy documents from drivers.

When driving privileges are suspended for an insurance violation or certain court convictions, the insurer must electronically file an SR22 (proof of future financial responsibility) to stay the suspension and restore privileges. For no-insurance suspensions, the SR22 requirement is satisfied after 180 consecutive days of SR22 coverage. If the insurer files an SR26 cancellation or no SR22 is on file during the required period, privileges are suspended again. The BMV also refers to 3-year and 5-year SR22 requirements for some suspensions, which out-of-state residents may waive with an Out of State Residency Affidavit.