Updated April 2026
Minimum Coverage Requirements in Indiana
Indiana requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Drivers convicted of DUI, license suspension for multiple violations, or caught driving uninsured typically must file SR-22 proof of financial responsibility with the Indiana Bureau of Motor Vehicles for 3 years. Indiana uses a point system where accumulating 18 points in 24 months triggers automatic suspension, and many violations that approach this threshold significantly increase insurance premiums even without SR-22 requirements.
How Much Does Car Insurance Cost in Indiana?
High-risk auto insurance in Indiana typically costs $200–$400/mo ($2,400–$4,800/year) depending on the violation type, number of points, age, and location. A first-time DUI can increase premiums 150–300% over a clean-record rate, while multiple at-fault accidents or a suspended license reinstatement can push rates even higher. Rates generally decrease after 3–5 years if you maintain continuous coverage and avoid new violations, with the steepest drop occurring once the SR-22 requirement ends and the violation falls outside the insurer's lookback period.
What Affects Your Rate
- Violation type: DUI and suspended license reinstatement carry the highest surcharges, often 200–300% over clean rates
- Number of points: Indiana suspends licenses at 18 points in 24 months, and each tier above 6 points increases premiums significantly
- Age and experience: drivers under 25 with violations face compounded high-risk premiums, sometimes $400–$600/mo for full coverage
- Location: urban areas like Indianapolis and Fort Wayne have higher base rates due to accident frequency and theft, amplifying high-risk surcharges
- Time since violation: most insurers reduce surcharges after 3 years, with full clean-record rates returning after 5 years if no new incidents occur
- SR-22 duration: the 3-year SR-22 filing period keeps you in high-risk status even as the underlying violation ages
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Sources
- Indiana Bureau of Motor Vehicles — SR-22 and Financial Responsibility Requirements
- Indiana Code Title 9 — Motor Vehicle Laws and License Suspension Guidelines
- Indiana Department of Insurance — Minimum Coverage Requirements