Indiana SR-22 Insurance: Who Needs a Filing and for How Long
Yes — Indiana uses the SR-22.
- Used in this state
- Yes
- Form
- SR-22
The Indiana Code says "proof of future financial responsibility"; the BMV takes it as an SR22 filed electronically by your insurer. An SR26 is the insurer's cancellation notice, and a Certificate of Compliance (COC) is the separate form that proves you were insured on a past date.
- How long it must stay on file
- 180 days for an insurance suspension; 3 years after an OWI or other court-recommended suspension
For a no-insurance suspension, filing an SR22 stays the suspension and the BMV ends it after 180 days without a lapse (IC 9-25-6-3(g)). After a suspension recommended by a court under IC 9-30-5, 9-30-6 or 9-30-9, proof must be kept for three years after the suspension ends (IC 9-30-6-12). An unpaid crash judgment also carries a three-year requirement (IC 9-25-6-7, 9-30-3-8.5).
- What triggers it
- Suspension for failing to prove insurance after a crash, a traffic conviction, or a BMV request (IC 9-25-6-3, 9-25-4-3, 9-25-5-1) · Court-recommended suspension for OWI or other offenses under IC 9-30-5, 9-30-6 or 9-30-9 (IC 9-30-6-12) · Unpaid judgment arising from a motor vehicle crash (IC 9-25-6-7, 9-30-3-8.5) · Specialized driving privileges granted during a court-ordered suspension (IC 9-30-16-3(f))
- If coverage lapses
- Suspension reinstated
If the BMV learns that coverage lapsed during the 180-day stay, it lifts the stay and suspends again (IC 9-25-6-3(h)). The BMV says an SR26 cancellation notice keeps you suspended until a new SR22 is on file or the requirement period runs out.
- Reinstatement fee
- $250
$250 for a first suspension, $500 for a second, $1,000 for a third or later (IC 9-25-6-15(b)). No fee is owed when a no-insurance suspension ends because you kept an SR22 on file for the required 180 days (IC 9-25-6-15(e)).
How Indiana compares with every other state
Every statute cited for Indiana
Why the rule looks like this
- What Changed in 2026Liability minimums doubled in Hawaii, two states dropped pure comparative fault, New Hampshire stopped inspecting cars, and three crash reporting thresholds moved — a dated account of the 2026 changes, and the ones already signed for 2027 and beyond.
- The Fine Is the Cheapest PartA first-offense fine for driving uninsured runs from $30 in Florida to a $1,500 floor in Delaware — but South Carolina's $100 fine arrives with a $700 reinstatement fee, and the reinstatement is usually the bigger number.
- The Form Some States Do Not UseAn SR-22 is a certificate, not a policy — and in New York, Pennsylvania, Massachusetts, Maryland, North Carolina and Michigan the form does not exist at all.
More on Indiana
Checked against the primary sources above on September 22, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.