Minimum Coverage Requirements in Indiana
Indiana requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Drivers with DUI convictions, multiple violations, at-fault accidents while uninsured, or license suspensions typically must file SR-22 proof of financial responsibility. The SR-22 filing requirement usually lasts 3 years from the date of conviction or reinstatement, and any lapse in coverage during that period restarts the clock.
How Much Does Car Insurance Cost in Indiana?
Indiana high-risk auto insurance premiums vary sharply based on violation type, age, location, and carrier. A first-time DUI can increase rates by 150–250%, while multiple violations or lapses with SR-22 requirements can push premiums above $400/mo. Non-standard carriers dominate the high-risk market in Indiana, and comparison shopping across 3–5 carriers often yields rate spreads of $100–$200/mo for the same coverage.
What Affects Your Rate
- Violation type and severity: DUI convictions carry 150–250% surcharges for 5–7 years, while at-fault accidents add 40–80% for 3–5 years
- SR-22 filing requirement: adds $15–$50 annually for the filing itself, plus 20–50% to base premium due to non-standard carrier underwriting
- Age and experience: drivers under 25 with DUI or SR-22 requirements often pay $400–$600/mo due to compounded risk factors
- Location within Indiana: urban areas like Indianapolis, Fort Wayne, and Gary see premiums 15–30% higher than rural counties due to theft, vandalism, and uninsured driver rates
- Carrier availability: many standard carriers do not write SR-22 policies in Indiana, limiting options to non-standard insurers with less competitive pricing
- Time since violation: rates decline gradually each year without new incidents, with steepest drops occurring 3–5 years post-violation when SR-22 requirements end
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. Required by law and included in every SR-22 policy. Indiana's 25/50/25 minimums are often insufficient for serious accidents, exposing high-risk drivers to personal lawsuits.
SR-22 Certificate Filing
Proof of financial responsibility filed by your insurer with the Indiana Bureau of Motor Vehicles. Required after DUI, suspensions, or uninsured accidents. The filing must remain active for the full required period, typically 3 years.
Non-Standard Auto Insurance
Policies designed for drivers with violations, lapses, or SR-22 requirements who are declined by standard carriers. Non-standard insurers accept higher-risk profiles but charge premiums 150–300% above standard market rates.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage when hit by a driver with no insurance or insufficient coverage. Optional in Indiana but offered by every carrier, and you must reject it in writing.
Collision Coverage
Pays for damage to your vehicle after an accident, regardless of fault. Required by lenders if you finance or lease. High-risk drivers face collision premiums 200–350% higher than standard profiles.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, weather, fire, animal strikes. Required by lenders and heavily surcharged for high-risk drivers due to loss history and claim frequency assumptions.
