Requirements for Acquiring Auto Insurance in Indiana
SafeAuto wants to help you get the lowest possible auto insurance rates in Indiana. Being familiar with your state's financial responsibility requirements is an easy way to start. Here is the most recent information on car insurance in Indiana:
The minimum amount of liability insurance coverage required to satisfy Indiana's Financial Responsibility law is 25,000/50,000/10,000. This means that your car insurance policy must insure you against loss in an accident where you have been determined to be at-fault for a minimum of:
Under Indiana law, you are required to provide documentary proof of Financial Responsibility in the following circumstances:
Failure to maintain proper insurance could lead to the suspension of your driver's license for at least ninety (90) days (one (1) year for repeat violators within a three (3) year period). To obtain a reinstatement of your license, you may have to pay a reinstatement fee of $150, $225, or $300 depending on whether it is a first, second, third or subsequent offense, and provide current proof of insurance signed by an agent or representative of the insurance company.
Certificate of Financial Responsibility (SR-22):
An SR-22 is a certification of future proof of Financial Responsibility issued by your insurance company to the Indiana Bureau of Motor Vehicles (BMV) providing proof that you purchased liability insurance.
When a motorist's operator license is suspended upon conviction of a major offense, that driver must submit proof of insurance to the BMV before being reinstated. This filing provides that the driver has an auto liability policy in effect that cannot be canceled without prior notice.
If you are required to maintain a certificate of Financial Responsibility, your insurance company is required to provide the BMV with at least ten (10) days advance notice before termination. SafeAuto will only issue an Indiana SR-22 to Indiana residents.
Other helpful things to know about Indiana Financial Responsibility laws:
Certificate of Compliance (SR-21)
An SR-21 or a Certificate of Compliance is a form that must be filed by your auto liability insurance agent after an accident or following a traffic violation. Filing this form certifies you met the Financial Responsibility requirements at the time of the accident or violation. The most common proof of Financial Responsibility is your automobile liability insurance policy. This form is required by the Indiana Bureau of Motor Vehicles.
Link to Indiana Bureau of Motor Vehicles
Get the right Indiana car insurance for the right price!
Indiana is the 15th most populous state in the United States. We offer affordable car insurance throughout the entire Hoosier state! If you are looking for more information about car insurance in the following Indiana cities, more material can be found below:
If you have any further auto insurance questions please visit the FAQ page
or contact the SafeAuto Customer Service Department