SafeAuto wants to help you get the lowest possible auto insurance rates. Being familiar with your state's financial responsibility requirements is an easy way to start.

Required Coverages

Indiana's Financial Responsibility law requires you to maintain liability limits of at least:

  • $25,000 because of bodily injury to or death of one (1) person in any one (1) accident
  • $50,000 because of bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $15,000 per person limit
  • $10,000 because of injury to or destruction of property of others in an accident
Such coverage is often written as 25/50/10 or 25,000/50,000/10,000

Under Indiana law, you are required to provide documentary proof of Financial Responsibility in the following circumstances:

  • At a court appearance following an accident or traffic citation
  • When registering a vehicle

Penalty for Failure to Comply with Indiana's Financial Responsibility Requirements:

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.

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.

Related Links:

Indiana Bureau of Motor Vehicles

Indiana Regional Auto Insurance:

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 at