Verified Ind. Code §9-25-8-2 · Checked July 2026 · 2 sources
What a no-insurance ticket costs in Indiana
Citation data · First offense Ind. Code §9-25-8-2
Class A infraction (court sets judgment)
Knowingly operating a vehicle without financial responsibility in Indiana is a Class A infraction, a civil violation in which the court sets the judgment amount, under Ind. Code §9-25-8-2. With a prior unrelated conviction under the section, it becomes a Class C misdemeanor.
Verified July 2026
By Mario Bailey
What to do now
- 1
Get a policy now
A first offense is a Class A infraction, civil, with the judgment amount set by the court; with a prior unrelated conviction under Ind. Code §9-25-8-2 it becomes a Class C misdemeanor.
- 2
Have your insurer file the SR-22
The BMV requires an SR-22 filing from your insurer to restore driving privileges after an insurance suspension.
- 3
Hold the coverage for 180 days
SR-22 coverage must be maintained for 180 consecutive days; a lapse during that period restarts the requirement.
Insurance impact: The BMV suspends driving privileges, and restoring them requires your insurer to file an SR-22 plus 180 consecutive days of maintained SR-22 coverage; a lapse restarts the clock.
Is driving without insurance a misdemeanor in Indiana?
A first offense is a Class A infraction, civil, not criminal. With a prior unrelated conviction under Ind. Code §9-25-8-2 it escalates to a Class C misdemeanor.
What happens beyond the fine
The BMV suspends driving privileges for operating without insurance. To restore them, your insurer must file an SR-22 with the BMV, and you must maintain SR-22 coverage for 180 consecutive days, a lapse restarts the clock (Indiana BMV).
Indiana BMV requires an SR-22 filing from your insurer to restore privileges after an insurance suspension, maintained for 180 consecutive days.
Frequently asked questions
Is driving without insurance a crime in Indiana?
A first offense is a Class A infraction, civil, with the judgment set by the court. It becomes a Class C misdemeanor if you have a prior unrelated conviction under Ind. Code §9-25-8-2.
How long do you need an SR-22 in Indiana?
The BMV requires SR-22 coverage maintained for 180 consecutive days to restore driving privileges after an insurance suspension; a lapse during that period restarts the requirement.
Sources
This summary was checked against the following sources on the date shown above. Fines and fees change, verify before relying on specifics.
Other tickets in Indiana
Expired Registration in Indiana
Driving Without Insurance: other states
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General legal information, not legal advice. Statutes and penalty schedules summarized from the sources above as of July 2026.