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Indiana SR22 Insurance

What is an SR22?

In the state of Indiana, you may be required to file an SR22 after a major traffic violation and subsequent suspension of license. An SR22 is a form filed through your auto insurance company that proves to the state that you carry the minimum liability insurance coverage. For the state of Indiana, the mandatory auto insurance minimum coverage is as followed:

  • $25,000 for bodily injury to one person
  • $50,000 for bodily injury to two or more persons
  • $25,000 for property damage

Who Needs an SR22 in Indiana?

An SR22 may be required after a major traffic violation conviction. In the state of Indiana, not unlike many other states, that could be considered:

  • Driving under the influence (DUI)
  • Reckless driving
  • Driving with a suspended license
  • Driving without insurance

How Long Do You Need to Maintain an SR22 in Indiana?

If required, in the state of Indiana, you must maintain an SR22 with your insurance company for three years after your first and second conviction. If it is your third or fourth conviction, you must maintain an SR22 filing through your insurance for five years. Failure to keep either maintained during the assigned time period can result in your driving privileges being suspended.

Indiana Operating a Motor Vehicle While Intoxicated Penalties (OWI)

In the state of Indiana, harsh penalties can follow a drunk driving conviction -not just the SR22 filing requirement. The chart below outlines what, depending on your case, you could be facing in the event of being charged with an OWI. It is also key to remember that with your third conviction and on, your SR22 insurance filing must be maintained for five years.

1st Offense
2nd Offense
3rd Offense
Jail Time
Up to 1 year
5 days, up to 3 years
10 days, up to 3 years
Court costs and fees
Up to $10,000
Up to $10,000
License Suspension
Up to 2 years
180 days-2 years
1 year-10 years
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