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...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Jul 14, 2021

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Important facts to know...

If you have been on the wrong side of the law or not maintained appropriate auto insurance coverage as required by your state, you may have special requirements that can cause your car insurance rates to go up.

Dealing with paying higher rates is never anything any driver wants to do, however, you can have more control over the premiums you pay on your car insurance policy if you use an online insurance quote comparison tool.

These tools put you in the driver’s seat, no matter what type of insurance coverage you need or what has happened in your driving history.

Enter your zip above to start comparing today!

Why do I need car insurance?

With very few exceptions, auto insurance coverage is mandated in every state. Not only is it a legal requirement, it is a smart financial move as well. Getting into an auto accident without insurance can come with a price tag in the six-digits or even higher.

Not purchasing at least the minimum amount of insurance required in your state can put you and the other drivers on the road at serious financial risk.

Additionally, not getting the proper car insurance coverage can get you into legal trouble as well. If you are pulled over by an officer of the law or in an auto accident you will likely face one or more of the following consequences, depending on what state you live in:

  • Fines up to and between $500-$1000
  • Imprisonment
  • Community service
  • Driver’s license suspension
  • Vehicle registration suspension
  • SR22 insurance requirement

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What are Indiana’s car insurance requirements?

Each new Indiana car insurance policy must come with uninsured/underinsured motorist coverage unless the policyholder rejects it in writing.

Bodily Injury coverage must be for a minimum of $25,000/$50,000. Indiana car insurance policies also must include $10,000 in property damage coverage and $50,000 for bodily injury coverage.

You should talk to your insurance company or agent to find out if you are meeting the state’s requirements and what other coverage types you may want. Many drivers should and will select additional coverages on their vehicle such as:

  • Comprehensive
  • Collision
  • Medical Payments
  • Rental Car Coverage

What is SR-50 car insurance?

In accordance with Indiana State law, the Bureau of Motor Vehicles (BMV) has the right to suspend driving privileges. This can be done for a variety of reasons such as:

  • Being charged with a DUI
  • Failure to provide proof of financial responsibility (car insurance)
  • Being charged with other crimes such as reckless driving

If your Indiana driving privileges have been temporarily suspended, you will likely be required to provide proof of one or more of the following in order to reinstate your privilege to drive a vehicle:

SR-50 Affidavit of Current Insurance

If you need proof that you had insurance coverage on a certain date for a certain vehicle, you may be required to submit an SR50 affidavit. This affidavit must be submitted electronically to the directly BMV from your car insurance carrier.

An SR-50 affidavit will indicate the commencement and end dates of your current auto insurance policy. It is important to note the SR-50 insurance is not a policy itself, it is proof of coverage during a certain time frame.

Certificate of Compliance (COC)

This is a form that verifies your financial responsibility for a specific incident date and for a specific vehicle only. The state requires your COC to be submitted electronically by your insurance provider, not by you.

Proof of Financial Responsibility for Employer or Rental Car Affidavit

For this type of proof, you will need State Form 55434. Once submitted and approved, this form relieves you of financial responsibility for a vehicle that you were borrowing from your employer or that you were renting.

Drivers are not permitted to complete this form, it can only be completed by a manager of the rental car company or of the business the vehicle belonged to.


SR22 insurance policies are regular insurance policies. However, what makes them a bit different is that they provide proof of future financial responsibility.

If you have been caught driving without insurance or have a DUI, the state will likely require you to obtain this type of insurance.

As with SR-50 insurance coverage, an SR-22 policy is not an insurance policy per se but a proof of current coverage.

The insurance company will give electronic notice to the BMV that you have secured a form of financial responsibility in the form of SR22 insurance. Drivers are required to keep this type of insurance on file for either a three-year period or a five-year period.

If you need an SR50 insurance certificate to reinstate your insurance, an SR22 certificate will suffice for proof of current financial responsibility.


If you have an SR22 form on file with the BMV and you let that insurance lapse or your insurance policy is canceled for any reason, the auto insurance carrier will electronically submit a document called an SR26 form to the BMV.

The SR26 certificate is your insurance carrier’s method of telling the state that your required financial responsibility for driving is no longer in place.

Reinstatement Fee Submission Form

When you are eligible to have your driving privileges reinstated, you will receive a Reinstatement Requirements Notice from the Indiana BMV. This notice will have specific details on what you will need to do in order to drive legally again in the state.

It will also tell you how to pay your reinstatement fees. If you cannot find your form or did not receive one, you can use this form to pay your reinstatement fee via mail.

No matter what type of insurance coverage you are legally required to have or want to have for your vehicle, you can save money by using an online price comparison tool.

These tools allow you to compare several different insurance companies, policies, and prices all in one place so that you can choice the policy that best fits all of your needs.

Enter your zip below to compare quotes for free!