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No, you cannot get an SR-22 without insurance in Indiana. An SR-22 is documentation proving that a driver has at least the minimum insurance coverage required by Indiana law, after they’ve been convicted of a serious traffic violation. A convicted driver needs to buy an insurance policy before they can get SR-22 documentation. Then their insurance company can complete the necessary paperwork with the Bureau of Motor Vehicles (BMV) to file an SR-22 certificate and confirm that the driver is actually following the law.
Not only do drivers in Indiana need insurance to file an SR-22 certificate with the state, but they must also keep their insurance policy active for 3-5 years in order to fulfill the state’s SR-22 requirement. If coverage lapses, the clock resets.
Without an active insurance policy, a driver who needs SR-22 insurance will face additional fines and penalties, including the possibility of license suspension or jail time. Indiana drivers may be able to get SR-22 coverage from SafeAuto and The General for reasonable rates.
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