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Indiana driver guide · Michigan City Ford · Michigan City, IN
Indiana Car Insurance Requirements
Every Indiana driver needs at least the state minimum liability coverage. Here is what 25/50/25 means, when the BMV asks for proof, how SR22 works and what reinstatement costs, from the Indiana Bureau of Motor Vehicles (BMV).
25/50/25Indiana minimum liability coverage
90 daysfor the BMV to receive and process a Certificate of Compliance
180 dayscontinuous SR22 to satisfy an insurance suspension
$250first no-insurance reinstatement fee (after Jan. 1, 2015)
The short answer
Indiana requires at least 25/50/25 liability insurance: $25,000 for injury to one person, $50,000 for two or more people in one accident, and $25,000 for property damage. If the BMV asks for proof, your insurer files a Certificate of Compliance, which the BMV must process within 90 days of mailing its request.
Indiana minimum car insurance: 25/50/25
Indiana law says a person may not operate a motor vehicle in Indiana unless financial responsibility is in effect for that vehicle, or the person is otherwise insured to operate it. Every motorist on Indiana roads must carry at least the state minimum liability coverage for the vehicle they drive, according to the Indiana Bureau of Motor Vehicles (BMV).
| Coverage | Minimum |
|---|---|
| Bodily injury to or death of one person | $25,000 |
| Bodily injury to or death of two or more people in one accident | $50,000 |
| Damage to or destruction of property in one accident | $25,000 |
From the BMV's Proof of Financial Responsibility page, read November 10, 2026.
When the BMV asks for proof of insurance
The BMV will request proof of insurance from drivers in these situations:
- An auto accident for which the BMV receives an accident report.
- A pointable moving violation within one year of receiving two other pointable moving violations.
- A serious traffic violation, such as a misdemeanor or felony.
- Any pointable violation by a driver who was previously suspended for failing to provide proof of financial responsibility.
The BMV may also request proof at any time. Insurance information you show a police officer is not sent to the BMV, and the officer will not give you a form. Instead, the BMV mails a request to your mailing address on file.
From the BMV's Proof of Financial Responsibility page, read November 10, 2026.
How to respond: the Certificate of Compliance
When you get the BMV's request, contact your insurance provider and have it file a Certificate of Compliance (COC) electronically with the BMV. The COC shows that you and the vehicle you were driving were insured to the state minimum at the time of the incident. The BMV must receive and process it within 90 days of mailing its request, or your driving privileges will be suspended. If your privileges were suspended and you were driving a company-owned or rental vehicle, the Driver's Manual says your employer or the rental company fills out State Form 55434 (Affidavit, Proof of Financial Responsibility for Employer or Rental Vehicles).
From the BMV's Proof of Financial Responsibility page and the Indiana Driver's Manual, read November 10, 2026.
SR22 insurance in Indiana
If your driving privileges are suspended after certain court convictions or for insurance violations, Indiana law may require SR22 insurance to regain them. Your insurer files the SR22 electronically as proof of future financial responsibility. It shows a policy that meets the state minimum, and it cannot be canceled without notice to the BMV.
180 days
The SR22 requirement for insurance suspensions is satisfied after you keep SR22 coverage for 180 consecutive days.
SR26 cancellation
If the BMV receives an SR26 (cancellation of SR22) or has no effective SR22 on file during the required period, your driving privileges are suspended until a new SR22 is on file or the period ends.
Indefinite suspensions
The Driver's Manual says no-insurance suspensions that took effect on or after 12/31/2021 are indefinite; they can be stayed when the BMV receives an SR22 and ended by keeping SR22 for 180 days in a row.
From the BMV's Proof of Financial Responsibility page and the Indiana Driver's Manual, read November 10, 2026.
No-insurance reinstatement fees
Driving without insurance that meets the state minimum can lead to a suspension. After an insurance suspension expires, Indiana law requires a reinstatement fee, in addition to any SR22 requirement:
| No-insurance suspension | After Jan. 1, 2015 | Before Jan. 1, 2015 |
|---|---|---|
| First | $250 | $150 |
| Second | $500 | $225 |
| Third and later | $1,000 | $300 |
The Driver's Manual says you can reinstate without paying the no-insurance reinstatement fee if your insurer files an SR22 and you keep it for 180 days in a row.
From the Indiana Driver's Manual, Chapter 5 (BMV PDF), read November 10, 2026.
Keep your vehicle road-ready at Michigan City Ford
The Works® at Michigan City Ford includes a synthetic blend oil change, tire rotation and pressure check, brake inspection, Multi-Point Inspection, fluid top-off, battery test, and a filter, belts and hoses check. Buying a vehicle? See our Indiana title and registration guide and our salvage title explainer.
Schedule service online and see our service specials first. Michigan City Ford is at 3930 Franklin St. in Michigan City. Get directions.
Michigan City Ford service hours
| Days | Hours |
|---|---|
| Mon-Fri | 7:30 a.m.-5:30 p.m. |
| Sat | 8 a.m.-3 p.m. |
| Sun | closed |
From Michigan City Ford's website, November 10, 2026. Holiday hours can differ.
Indiana car insurance FAQ
What is the minimum car insurance in Indiana?
Indiana requires 25/50/25 liability coverage: $25,000 for bodily injury to or death of one person, $50,000 for two or more people in one accident, and $25,000 for property damage in one accident.
Is car insurance required in Indiana?
Yes. Indiana law says you may not operate a motor vehicle unless financial responsibility is in effect for it, or you are otherwise insured to operate it.
When does the Indiana BMV ask for proof of insurance?
After an accident the BMV receives a report on, a pointable violation within a year of two others, a serious violation such as a misdemeanor or felony, or any pointable violation by a driver previously suspended for no proof of insurance. It may also ask at any time.
How long do I have to send proof of insurance to the BMV?
Your insurer must file a Certificate of Compliance that the BMV receives and processes within 90 days of the BMV mailing its request, or your driving privileges will be suspended.
How long do you need SR22 in Indiana?
For insurance suspensions, the BMV says the SR22 requirement is met after you keep SR22 coverage for 180 consecutive days.
What does it cost to reinstate after a no-insurance suspension?
The Driver's Manual lists $250 for a first, $500 for a second and $1,000 for a third or later no-insurance suspension after Jan. 1, 2015.
Questions about your vehicle?
Bring it to Michigan City Ford, or read our Indiana move over law guide.
Sources
Minimum coverage, proof-of-insurance rules, SR22 rules and reinstatement fees are from the Indiana BMV's Proof of Financial Responsibility page and the Indiana Driver's Manual (Chapter 5), read November 10, 2026. This is general information, not insurance or legal advice. Service details, address and hours are from Michigan City Ford's own website, checked the same day.
- Proof of Financial Responsibility (insurance requirements), Indiana Bureau of Motor Vehicles (BMV), read November 10, 2026
- Indiana Driver's Manual, Chapter 5: Points, Suspension, and Insurance Requirements (PDF, file dated June 30, 2026), Indiana Bureau of Motor Vehicles (BMV), read November 10, 2026
- General service: The Works, Michigan City Ford, November 10, 2026
- Address and service hours (structured data), Michigan City Ford, November 10, 2026