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 SR22 form. The most common reason that a person must carry SR-22 insurance or provide proof of financial responsibility is due to a license suspension related to drunk driving or for multiple insurance violations.

Indiana OWI (Operating a Motor Vehicle While Intoxicated)



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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.

Penalties for DUI Conviction

Jail Time 5 to 65 days 10 days to 1 year 10 days to 2.5 years
Fine(s) Up to $500 Up to $5,000 Up to $10,000
Driver's License Suspension 180 days to 1 year 180 days to 1 year 180 days to 2 years

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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