Indiana SR-22 Insurance
Indiana requires SR-22 insurance for those whose licenses are suspended for DUI or repeated insurance violations.
Indiana SR-22 Insurance Requirements
According to the Indiana Bureau of Motor Vehicles (BMV), all drivers must carry minimum liability insurance coverage. The mandatory minimum liability insurance coverage is:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage per accident
Failure to carry the mandatory minimum liability insurance coverage can result in significant penalties, including a criminal conviction. The BMV will require certain drivers to provide proof of future financial responsibility through an SR-22 form. The most common reason that a person must carry SR-22 insurance in Indiana or provide proof of financial responsibility is due to a license suspension related to drunk driving or for multiple insurance violations.
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Indiana Operating a Motor Vehicle While Inotoxicated
If you are convicted of a first offense Operating a Motor Vehicle While Intoxicated (OWI) in the State of Indiana you will face harsh penalties including court fees, a jail sentence of up to one (1) year, fines of up to five thousand dollars ($5,000), license suspension, probation, mandatory attendance at a victim impact panel and more. For a second or subsequent OWI offense, you all penalties increase significantly, including the mandatory license suspension or revocation. The Bureau of Motor Vehicles will require you to file an SR22 form (proof of future responsibility) for up to five (5) years, depending on the circumstances of your case.
Indiana Ignition Interlock Device (IID) Requirements
Under IC 9-30-8, a court may order a defendant to install an ignition interlock device. If court-ordered, all vehicles that the defendant owns or expects to operate must have a certified ignition interlock device (IID) installed on them. An IID is a small car breathalyzer attached to a vehicle. In order to start the ignition, a person must provide a breath sample. If alcohol is detected above the state's IID limit (0.02 percent), then the car will not start.
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Penalties for DUI Conviction in Indiana
First Offense (BAC below .15)
Fine(s): Up to $500
Driver's License Supspension: 180 days to 1 year
First Offense (BAC .15 or above)
Fine(s): Up to $5,000
Driver's License Supspension: 180 days to 1 year
Second Offense
Fine(s): Up to $10,000
Driver's License Supspension: 180 days to 2 year
FAQs About SR-22 in Indiana
An SR-22 is a certificate that proves you have the minimum required auto insurance coverage mandated by your state. It's often required for drivers who have been convicted of serious driving offenses like DUIs or driving without insurance.
The duration of SR-22 insurance requirements varies by state and the offense. Typically, it's required for a minimum of three years, but it can be longer depending on the circumstances. During this period, the insurance company will keep the state updated on your car insurance policy renewals and cancellations to ensure you maintain consistent coverage. Breathe Easy can help you understand the specific duration needed in your case.
Allowing your SR-22 policy to lapse or canceling it prematurely can result in serious consequences, including license suspension or additional fines. It's crucial to maintain continuous coverage until your SR-22 requirement is fulfilled. This can be a challenge if your long-time insurance carrier decides to end your coverage after your DUI.
When you are done selecting your insurance plan, Breathe Easy can connect you with an Intoxalock representative for further assistance. They will answer any questions you have and help you get set up with an installation appointment at a convenient time.
Get Your Free Indiana SR-22 Insurance Quote Today
Breathe Easy Insurance Solutions is proud to assist Indiana drivers in getting their driving privileges reinstated after an OWI or related charge. Breathe Easy is a leading provider in affordable SR-22 insurance. Contact our knowledgeable staff today to see how we can help. Our agents can assist you with finding a certified IID provider in Indiana, enrolling in a court-ordered alcohol program, or finding low-cost insurance. Call our offices today at 844-580-7525.
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