Indiana Occupational License Insurance & SR-22
Indiana requires 25/50/25 liability coverage and is an at-fault state.
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Indiana at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$250
State license reinstatement fee, about 10 days to process
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Indiana
Indiana operates under a tort-based liability system and requires SR-22 filing for occupational license approval after most DUI, multiple-violation, and insurance-lapse suspensions. The Indiana Bureau of Motor Vehicles processes occupational license applications administratively, but eligibility timing and approved purposes vary by violation type. SR-22 filing must remain active for the full restricted-license period and reinstatement period that follows.
Liability Insurance
SR-22 Filing
Uninsured Motorist Coverage
Ignition Interlock Device Insurance Endorsement
What Drivers Pay in Indiana
$194–$282/mo
Typical monthly rate in Indiana, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Drivers under 25 with occupational licenses pay an additional age-based surcharge that stacks on top of violation-based pricing, often doubling the base premium.
Get Insured for the Drive to Work
Keep Driving to WorkIf your license is suspended
Specialized Driving Privileges (SDP, IC 9-30-16)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How do I apply for an occupational license in Indiana after a DUI suspension?
You apply directly to the Indiana Bureau of Motor Vehicles using Form 52374 after completing required court conditions, which typically include enrollment in a Victim Impact Panel and IID installation. The BMV requires proof of SR-22 filing and employer documentation before approval. Processing takes 7–14 business days from submission if all documents are complete.
What driving is allowed under an Indiana occupational license?
Indiana occupational licenses permit driving to and from work, required medical appointments, court-ordered programs, and in some cases childcare or education. The BMV specifies approved hours and routes on the license itself. Driving outside approved purposes or hours revokes the license immediately and extends your underlying suspension.
How long does SR-22 filing last for an occupational license in Indiana?
Indiana requires SR-22 filing for 3 years measured from the end of your suspension period, not from the filing date. If your suspension is 90 days and you receive an occupational license for that period, the 3-year SR-22 clock starts when the 90-day suspension ends. Any lapse during that 3-year period restarts the clock.
Can I get an occupational license immediately after a DUI in Indiana?
No. Indiana imposes a mandatory 30-day hard suspension for first-offense DUI before you can apply for an occupational license. The hard suspension period increases to 180 days for second offense and 1 year for third offense. You cannot drive at all during the hard suspension, even with an occupational license.
What happens if my SR-22 policy lapses while I have an Indiana occupational license?
The carrier notifies the Indiana BMV electronically within 10 days of the lapse. The BMV revokes your occupational license immediately with no grace period, and you must refile SR-22 and restart the 3-year filing requirement from the new filing date. Most occupational license suspensions triggered by SR-22 lapse add 90–180 days to your total suspension period.
Which insurance carriers in Indiana write SR-22 policies for occupational license drivers with IID requirements?
Bristol West, Dairyland, GAINSCO, The General, and Safe Auto write SR-22 policies with IID endorsements in Indiana. Not all non-standard carriers offer this endorsement, so you must confirm IID coverage before binding the policy. Attempting to insure an IID-equipped vehicle without the endorsement gives the carrier grounds to deny any claim and cancel the policy retroactively.
Coverage Types
SR-22 Insurance
SR-22 is the certificate proving continuous liability coverage, filed electronically by your carrier with the Indiana BMV. Required for occupational license approval and reinstatement after most suspensions.
Non-Standard Auto Insurance
Non-standard carriers write policies for drivers with violations, lapses, or suspensions who cannot qualify for standard-market coverage. Occupational license drivers fall into this tier automatically.
Non-Owner SR-22
Non-owner SR-22 provides liability coverage and SR-22 filing for drivers who do not own a vehicle but need to satisfy BMV filing requirements for license reinstatement or occupational license eligibility.
Liability Insurance
Liability covers injury and property damage you cause to others in an at-fault accident. Indiana requires 25/50/25 minimums, but this limit exhausts quickly in multi-vehicle or injury accidents.
Uninsured Motorist Coverage
Uninsured motorist coverage pays your medical bills and vehicle damage when the at-fault driver has no insurance or flees the scene. Indiana does not require it, but most carriers include it unless rejected in writing.