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
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
