What is the penalty for driving without insurance in Indiana?

The first time you drive without car insurance in IN, you'll face up to a year-long license suspension and three years of mandatory SR-22 insurance.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Indiana requires that all drivers have a minimum amount of insurance coverage
  • Failure to maintain at least the minimum amount of insurance can result in a lapse
  • Lapses in insurance coverage can result in the suspension of your driver’s license and vehicle registration and higher insurance premiums
  • A comparison tool can help you find an affordable state minimum insurance policy for Indiana

The state of Indiana requires all drivers have proof of insurance or proof of financial responsibility in order to drive legally.

The Indiana BMV is required to verify your insurance status any time you are involved in a car accident, commit a moving violation that results in either a misdemeanor or a felony and receiving a points violation after being suspended for not providing proof of financial responsibility.

Furthermore, not having valid car insurance creates a lapse in your coverage. A car insurance lapse occurs any time you do not have a valid insurance policy on your car.

Not having a valid auto insurance policy can result in your being classified as a high-risk driver, getting your license suspended and much higher car insurance premiums in the future. You may even have your car impounded.

Use our FREE quote tool to find insurance quotes to make sure you don’t get caught driving without car insurance!

Penalties for Driving Without Car Insurance in Indiana

Indiana requires that all drivers have a minimum amount of insurance, including at least $25,000 in bodily injury for one individual, $50,000 for the injury or death of more than one individual and $25,000 in property damage.

Any time you do not have the minimum insurance requirements, you are driving without insurance and could be subjected to serious fines and penalties, according to Title 9, Article 25 regarding car insurance financial responsibility.

It is important to note that these amounts are for liability insurance, and they only cover the other driver, passengers, and property.

These amounts do not pay for the at-fault driver’s medical bills or property damage.

If you need additional coverage amounts, you can always use a comparison tool to quickly find a policy that includes higher limits and comprehensive and collision coverage.

 First Offense

  • Suspension of driver’s license and/or vehicle registration for 90 to 365 days
  • Pay applicable fines and fees to reinstate registration and driver’s license
  • Attain SR-22 car insurance policy to have driving privileges and/or registration reactivated and hold SR-22 for a minimum of three years.

 Second Offense

  • Drivers license and/or registration suspension for at least 12 months
  • Pay any fines and fees to the BMV for reinstatement of driving privileges and car registration
  • Attain and hold SR-22 car insurance policy for a minimum of three years

 Third Offense

  • Driver’s license suspension for a minimum of 12 months
  • Pay any fines and/or fees to reinstate driver’s license and registration
  • Attain and hold SR-22 car insurance policy for a minimum of five years

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

What proof of insurance is required in Indiana?

Under certain conditions within the state of Indiana, you are required to provide proof of insurance to the BMV.

If the BMV requires proof of financial responsibility, they are required to send you a letter within 45 days of receiving the accident report, as stated in IC 9-25-5-2.

Once you receive the letter, note the date. You will have 40 days to have your insurer submit the CoC to the BMV:

  • Whenever you are in a car accident
  • For any points-applicable moving violation within 12 months of receiving two previous moving violations
  • Receiving a moving violation that results in points on your license after previously having your license suspended for not providing proof of insurance

The easiest way to provide proof of insurance is to show the police officer your insurance card at the scene of the accident or traffic violation.

However, there may still be instances in which you receive a letter from the Indiana BVM that requests official proof of your auto insurance status.

Once you receive the letter, you should contact your insurance agent or insurance carrier and explain that you need them to send a Certificate of Compliance (CoC) to the Indiana BMV, which requires information stating that the driver had a valid insurance policy at the time of the accident or incident.

Your insurance carrier must submit the CoC through the Indiana BMV Electronic Insurance Forms Submissions (EIFS) system.

How to Get Car Insurance in Indiana

In Indiana, all drivers must have a minimum of 25/50/25 in liability insurance.

This policy pays up to $25,000 in injuries or for the death of the other driver and/or one passenger. It pays up to $50,000 for the injury or death of multiple individuals and it pays up to $25,000 in property damage.

To locate an affordable state minimum insurance policy, you can use a comparison tool to quickly locate and research all the various policies in Indiana.

You can even find additional insurance coverage, including collision and comprehensive. Use our FREE quote tool to compare insurance companies in your area!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption