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Indiana SR-22 & High-Risk Auto Insurance

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

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Indiana

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.

Liability Insurance

High-risk drivers should consider higher limits like 100/300/100 because at-fault accidents with inadequate coverage can lead to personal liability and further license actions. The Indiana Bureau of Motor Vehicles can suspend your license if you're involved in an accident without adequate coverage to pay claims.

SR-22 Insurance

SR-22 is not a separate policy but a certificate your insurer files with the Indiana BMV proving you carry at least minimum liability coverage. It's required after DUI, multiple violations leading to suspension, uninsured accidents, or habitual traffic offender designation.

Full Coverage

Full coverage combines liability, collision, and comprehensive and is required by lenders if you finance or lease a vehicle — even with SR-22 status.

Uninsured Motorist Coverage

If an uninsured driver hits you and you lack UM coverage, you may have no way to recover medical bills or vehicle damage. High-risk drivers already facing elevated premiums should weigh the cost of UM coverage against the financial exposure of being hit by another uninsured driver.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles including DUI, suspended license reinstatement, multiple violations, and SR-22 filing. These insurers typically charge higher premiums than standard carriers but are often the only option immediately after a major violation. In Indiana, non-standard policies may include installment fees, higher down payments, and stricter cancellation terms — read the policy carefully before signing.

What Drivers Pay in Indiana

$202–$234/mo

Typical monthly rate in Indiana, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Number of points: Indiana suspends licenses at 18 points in 24 months, and each tier above 6 points increases premiums significantly
  • 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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Coverage Types

Liability Insurance

Covers injury and property damage you cause to others. Indiana requires 25/50/25, but a single serious accident can exceed these limits and leave you personally liable for the difference.

SR-22 Filing

Certificate your insurer files with the Indiana BMV proving continuous coverage. Required after DUI, suspension, or uninsured operation for typically 3 years.

Full Coverage

Combines liability, collision, and comprehensive. Required by lenders and protects your vehicle against accident damage, theft, weather, and vandalism.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage if you're hit by a driver with no insurance or insufficient coverage. Not required in Indiana but recommended.

Non-Standard Auto Insurance

Policies from carriers specializing in high-risk profiles including DUI, suspended license, SR-22, and multiple violations. Often the only option immediately after a major violation.

Collision Coverage

Pays to repair or replace your vehicle after an accident regardless of fault. Required by lenders; optional if you own your car outright.

Find Your City in Indiana

Indianapolis

urban

Fort Wayne

urban

Evansville

urban

South Bend

urban

Carmel

suburban

Bloomington

urban

Hammond

urban

Muncie

urban