Key Takeaways
- First offense for no insurance results in fines of $150-$1,000 and license/registration suspension
- Subsequent violations result in higher fines and longer suspensions
- SR-22 financial responsibility filing may be required for reinstatement
- Indiana uses the BMV to verify insurance coverage on registered vehicles
- Vehicle impoundment may occur for repeat offenders
Last updated: January 2026
Indiana Auto Insurance Penalties & Requirements
Penalties for Driving Without Insurance
| Violation | Penalty |
|---|---|
| First Offense | $150 - $1,000 fine, license/registration suspension |
| Subsequent Offenses | Higher fines, extended suspension |
| After At-Fault Accident | SR-22 required, potential civil liability |
License and Registration Consequences
Suspension
- Driver's license suspension
- Vehicle registration suspension
- Cannot be reinstated until:
- Valid insurance obtained
- SR-22 filed (if required)
- Reinstatement fees paid
SR-22 Financial Responsibility
What is an SR-22?
An SR-22 is a certificate filed by your insurance company with the Indiana BMV proving you have the required minimum liability coverage.
When Required
- Driving without insurance conviction
- At-fault accident while uninsured
- Serious traffic violations
- License reinstatement after suspension
Duration
- Typically required for 3 years
- Must maintain continuous coverage
- Lapse in coverage triggers automatic suspension
BMV Insurance Verification
The Indiana Bureau of Motor Vehicles (BMV):
- Monitors insurance status of registered vehicles
- Receives reports from insurance companies
- Sends notices when coverage lapses
- Suspends registration for uninsured vehicles
Additional Coverages (Optional but Recommended)
Collision Coverage
- Pays for damage to your vehicle from collision
- Subject to deductible
- Not required by Indiana law
Comprehensive Coverage
- Covers non-collision losses (theft, weather, animals)
- Subject to deductible
- Not required by Indiana law
Medical Payments (MedPay)
- Pays medical expenses regardless of fault
- Available to driver and passengers
- Not required in Indiana
Exam Tip: An SR-22 is not insurance itself - it's a certificate proving you have insurance. Indiana typically requires SR-22 filing for 3 years after serious violations.
Test Your Knowledge
What is an SR-22 in Indiana?
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D
Test Your Knowledge
How long is an SR-22 typically required in Indiana?
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D
Test Your Knowledge
Which of the following coverages is required by Indiana law?
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D