Indiana: Insurance and SR-22
Official-Source Information
Indiana publishes a separate process for some insurance and financial-responsibility holds. Not every insurance-related suspension requires an SR-22. Match the exact wording on your notice or official record to the state's current instructions before acting.
General information only. This page does not review your record, decide which category applies, or select a form or provider.
Official source last checked Jun 29, 2026
Direct source-backed answer
There are two situations here, depending on why your license was suspended for insurance. 1. You actually had insurance at the time but just failed to show proof. In this case, your insurer electronically files a Certificate of Compliance (COC) confirming your coverage, and the suspension is lifted with no reinstatement fee. This is the most common scenario. 2. You genuinely did not have insurance at the time. In this case, you first need to obtain coverage. Your insurer then electronically files an SR-22 on your behalf (you cannot file it yourself). For suspensions on or after December 31, 2021, this suspension is indefinite, but filing the SR-22 puts it on hold. The suspension ends once you have maintained the SR-22 for 180 consecutive days without any lapse in coverage. If your SR-22 is cancelled (an SR-26 filing) at any point during those 180 days, the suspension becomes active again and the clock resets. You will also need to pay the tiered reinstatement fee (see the fees section). You must maintain the SR-22 for 3 years if this is your first or second offense, or 5 years if it is your third or later offense.
Published fee information
Tiered per BMV Driver's Manual Ch. 5: $250 (1st) / $500 (2nd) / $1,000 (3rd+) for suspensions on or after 1/1/2015. No fee if your insurer e-files a Certificate of Compliance (COC) - the COC path is the truly-uninsured-vs-failed-to-show split: only the truly-uninsured pay the fee + carry SR-22. Suspensions on or after 12/31/2021 are indefinite; stayed by an SR-22 filing; terminated by maintaining the SR-22 for 180 consecutive days with no lapse. SR-22 maintenance: 3 yr (1st/2nd) / 5 yr (3rd+).
Check the official fee sourceConfirm the exact amount and payee with IN BMV before payment.
Forms and documents
COC; SR-22; SR-50; Reinstatement Fee Submission Form. (in.gov/bmv 2026-06-28: "Certificate of Compliance (COC)…", "SR22 - for maintaining coverage during 180-day reinstatement period", "Reinstatement Fee Submission Form")
Open the official form sourceThis is an unselected list from the state source. Confirm the correct form for your situation with the issuing agency or a qualified attorney.
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Common questions
No. It summarizes published Indiana information for this category. Your current official notice and record determine which requirements apply, and the issuing agency makes the final decision.
The cited source was last checked Jun 29, 2026. Forms, fees, and submission methods can change, so confirm them on the linked official source before acting or paying.
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Source excerpt summary: There are two situations here, depending on why your license was suspended for insurance. 1. You actually had insurance at the time but just failed to show proof. In this case, your insurer electronically files a Certif...
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