Penalties for Driving without Insurance in Indiana

Penalties for Driving without Insurance in Indiana

If you're caught driving without compulsory car insurance in the state of Indiana, serious penalties can occur, depending on the circumstance. The Indiana Bureau of Motor Vehicles (BMV) might bar you from driving for a year. You could face a $1,000 reinstatement fee and be required to file a SR-22 certificate of compliance for five years.

Fine & Fee
Driving Privilege Penalty
Other

First Offense

$250 reinstatementDriver's license suspended for at least 90 days.SR-22 certificate for three years.

Second Offense

$500 reinstatementDriver's license suspended for one year; registration can also be suspended for one year.SR-22 certificate for three years.

Third and Subsequent Offenses

$1,000 reinstatementDriver's license suspended for one year; registration can also be suspended for one year.SR-22 certificate for five years.
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Penalties for driving without insurance

Indiana state law requires all drivers to provide proof of financial responsibility through a certificate of compliance (COC). If you receive a request to provide a COC, your Indiana insurance company must submit the certificate, proving you had proper coverage at the time of the request (could be due to an accident or violation).

If the COC is not submitted within 40 days of the request, your driving privileges will be suspended until the certificate is submitted. The suspension may be removed from your record once your insurance provider sends the COC showing the vehicle was covered. Failure to possess appropriate insurance coverage can result in a suspension of your driver's license and registration for a full year. If you get convicted of driving without insurance, you'll pay reinstatement fees from $250-$1,000, depending on the offense and be required to file an SR-22 certificate for three to five years.

Penalties for 1st offense

If you fail to present valid proof of active insurance when requested by law enforcement, such as at traffic stops or at the scene of a car crash, you're at risk of losing your driving privileges. For the 1st offense, your driver's license is suspended for at least 90 days and you'll have to pay a fee of $250 to get it back. If you're found to be operating without insurance, you'll be required to provide proof of future financial responsibility (SR-22 certificate) for three years from the date the suspension of your driving privileges end.

Penalties for 2nd offense

If you're caught a 2nd time within five years of a previous violation, your driver's license is suspended for one year. The driver's license reinstatement fee to get it back jumps to $500. Your registration may also be suspended for one year. As with the first offense, if you're found to be operating without insurance, you'll have to file an SR-22 certificate for three years.

Penalties for 3rd and subsequent offenses

If the 3rd offense occurs within five years of a previous violation, your driver's license is suspended again for a full year. You'll pay a $1,000 driver's license reinstatement fee to get it back. Your car's registration may also be suspended again for one year. With a third uninsured offense, you'll have to file an SR-22 certificate for five years, rather than three.

Sources:

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

SR-22 Insurance

An SR-22 form is a certificate of financial responsibility that proves a driver has the minimum required auto insurance. You only need an SR-22 if your state or court orders you to get one — typically after a major driving violation.

Cost of Non-Owner SR-22 Insurance

Compare SR-22 Quotes and Find Cheap Coverage

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