Indiana SR22 Insurance Quotes & SR22 Information

In Indiana The Bureau of Motor Vehicles (BMV) is able to suspend, cancel, or revoke a drivers license if a person has been convicted of certain crimes.

Some of these crimes may require a driver to obtain and maintain an SR22 Insurance policy for the minimum period of three (3) years. Such crimes include but are not limited to:

• Operating a Vehicle While Under the Influence (OWI) of alcohol and/or drugs



• Reckless homicide while operating a motor vehicle resulting in death



• Driving a motor vehicle without insurance



• Habitual traffic offender



• Operating a motor vehicle without a license



• Multiple insurance violations

This is not a complete list by any means, as new laws are enacted each year this list may grow. If you feel that your driving history is questionable and a recent conviction of a crime has you wondering if you will need to obtain an SR22 policy, please locate and contact a branch of the Indiana BMV immediately if you have any questions.

Full-service branches are open during the following hours:

• Tuesdays from 8:30 a.m. to 7 p.m.



• Wednesdays, Thursdays, and Fridays from 8:30 a.m. to 5 p.m.



• Saturdays from 8:30 a.m. to 12:30 p.m.

What happens at an Indiana administrative hearing?

You generally only have 7 -10 days from the time of an arrest to request an administrative hearing.

This is a good time to contact an attorney in your area to discuss the charges and actions being taken against you and the choices you may have. Many, if not all attorneys have a free initial consultation and we strongly recommend that you take advantage of that offer.

Once you have applied for an administrative hearing and received a confirmation of a hearing date you should gather information in your favor and subpoena any witnesses you may want to have at your administrative hearing. You can discuss the evidence against you with your attorney and inquire about the proper procedures to subpoena witnesses.

Important: You will need to subpoena any witnesses you may have in your favor prior to an administrative hearing . This cannot be done once you get to your administrative hearing.

At the administrative hearing all parties will need to be sworn in by the Administrative Hearing Judge (Officer) then the hearing will begin. The Administrative Hearing Judge usually starts by taking testimony from the Police Officer on the evidence that he or she has against you, as well as deciding if proper Police procedures were conducted during the traffic stop.

Once the Police Officer's testimony is completed, you and your attorney (if you hired one) will have the opportunity to rebut the evidence against the Officer has against you and present any witnesses that you may have in your favor.

After all the evidence and testimonies have been presented the administrative hearing will close and the Administrative Hearing Judge will make a decision on whether to enforce the action(s) against you or suspend them.

When the Administrative Hearing Judge notifies the offender of their decision it is usually by mail. This notification varies from state to state, so please ask the Administrative Hearing Judge how this notification of a decision is sent and how long it will take.

Where are the Indiana's driver licensing offices?

Indiana's Bureau of Motor Vehicles (BMV) web site has a branch location service that allows you to search by city or county for the nearest BMV. After selecting your city or county you will be presented with that branch's hours and phone number as well as a link for directions if you are unsure of where you are going.

After you find the branch nearest to you, you can make a branch appointment online.

Does Indiana have a restricted driver license?

Yes, Indiana does have a Restricted Drivers License because of hardship, IC 9-25. In researching this topic information was hard to locate. Our understanding when information is hard to locate is that there are many conditions that apply to getting a Restricted Drivers License. Therefore it is best to contact a BMV office and ask a representative about how to apply for a Restricted Drivers License and the eligibility requirements of such a license as well.

What are Indiana's minimum liability requirements?

• $25,000 coverage for bodily injury to or death of one (1) person in any one (1) accident



• $50,000 coverage for bodily injury to or death of two (2) or more persons in any one (1) accident



• $10,000 coverage for an injury to or destruction of property of others in any one (1) accident.

How do I renew my drivers license in Indiana?

After your suspension, revocation, or cancellation period has been satisfied and you have completed any alcohol or drug treatment classes or driving classes that were a condition of your sentencing you can start the process to reinstate your drivers license by finding a Reinstatement Center near you.

Important: Depending on your offense you may be required to get an SR22 Insurance policy before you can reinstate your license. Always check before you arrive at an Indiana BMV office that you have all the necessary paperwork filed and filled out completely. Just a little more work on your part makes this entire process easier to complete.

Additionally you will be required to pay a license reinstatement fee (this fee varies and could be higher if additional crimes are involved), and you may be required to have an Ignition Interlock Device (IID) installed in your vehicle.

Driver licenses may be reinstated for the following suspensions:

• Out-of-state tickets that have been paid with case number and receipt.



• Defensive driving reinstatements (Reinstatement centers cannot schedule classes or give extensions)



• Failure to prove insurance compliance following an accident or traffic violation



• SR 22 (Proof of financial responsibility for a mandatory three year period)



• SR 50 (Proof of current financial responsibility)



• Court abstracts: SR 16 (issued when a ticket is paid)

(Source: Indiana BMV)

The State of Indiana requires those drivers that are eligible for license reinstatements to contact one of the eight reinstatement centers located in Indiana for further assistance.

BMV Forms

What is Indiana's Ignition Interlock Device Program?

Indiana does have an Ignition Interlock Device (IID) Program, however the most information that was located was on a flow chart describing that there was such a program that can be implemented for certain drivers.

Please contact an Indiana BMV representative or an attorney in your area to discuss Indiana's IID Program.

By definition: Ignition Interlock Devices (IID's) are a type of breathalyzer that is installed in a vehicle that will require the driver to provide a breath sample prior to the vehicle starting. If the breath sample given is below a present level the vehicle will start, if the provided breath sample is above that preset level the vehicle will not start. Additionally the driver may be required to provide breath sample periodically while driving.

Does Indiana have any driver safety programs?

Yes. Indiana's BMV does offer classes to improve driver safety and awareness. This can either be done voluntarily or by a court order as a condition of license reinstatement.

There are three (3) different formats for the Driver safety Program:

• Classroom instruction



• Home study with video and DVD



• Home study online

For more information please visit Indiana's Driver Safety Program online or by contacting:

Indiana Bureau of Motor Vehicles
Defensive Driving Department
Indiana Government Center North
100 N. Senate Ave., Room N402
Indianapolis, IN 46204

Or by calling:

(317) 233-6000

1-800-myBMV-411

What if I fail to maintain my SR22 insurance policy?

Your insurance provider (company) is required by law to notify the Indiana BMV immediately when a lapse in an SR22 insurance policy has occurred. Any lapse in your insurance coverage can result in an immediate driver's license suspension, revocation, or cancellation. In addition to your driving privileges being removed you may also be subject to penalties such as:

• Additional and higher fees (as any lapse in coverage is considered a new offense)



• Possible jail sentence



• A longer SR22 filing period than the state minimum of three (3) years, and you may be required to start the SR22 period from the beginning again.

We can only provide examples of the additional penalties enforced based on past testimonies from other drivers to what the penalties assessed for a lapse in coverage had been for them. These additional actions taken by the court (if convicted) has a lot has to do with the offenders driving history and the present reason for the lapse in coverage.

We strongly suggest that you avoid any lapse in coverage, it is just not worth the risk and the penalties!

How do I avoid a lapse in my coverage?

You can avoid a lot of additional hassles by paying your SR22 policy premium 2-3 months in advance. If 2-3 months in advance is not feasible aim for 2-3 weeks in advance. We cannot stress this enough do not let your SR22 insurance policy lapse for any reason. Call your insurance provider to see if they can help if you are having problems paying your SR22 policy premium on time.

Additional Resources:

Basic Fees
BMV Forms
Branch Appointments
Contact the BMV
Copy of your Driving Record
Criminal Background Check
Driver Services (BMV Locations)
Driver's License and Permits
Driver Safety Programs
Full Driver's Manual
Identification Requirements
My BMV (Is an online service to help drivers order their driving record, pay fees, register vehicles, etc.)
Reinstatement Centers
Teen Driver Information