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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 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.

Liability Insurance

Indiana's 25/50/25 minimums are among the lowest in the nation and often insufficient after a serious accident. High-risk drivers should consider at least 50/100/50 or 100/300/100 limits, as judgment-proof protection becomes critical when one accident can trigger both SR-22 filing and personal liability.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate filed by your insurer with the Indiana Bureau of Motor Vehicles confirming you carry at least minimum liability coverage. Most major carriers either refuse SR-22 policies or surcharge them heavily, pushing drivers to non-standard insurers.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk drivers and are often the only option after DUI, multiple violations, or lapses with SR-22 requirements. In Indiana, non-standard policies often require upfront payment or shorter payment terms, and some carriers impose hard mileage limits or vehicle age restrictions.

Uninsured Motorist Coverage

Indiana requires insurers to offer uninsured and underinsured motorist coverage, though drivers can reject it in writing. High-risk drivers with SR-22 requirements are statistically more likely to be involved in accidents with uninsured drivers, making UM/UIM coverage a practical hedge even when budget-constrained.

Full Coverage

Full coverage combines liability, collision, and comprehensive and is required by lenders if you finance or lease a vehicle.

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

  • 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
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Coverage 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.

Find Your City in Indiana

Indianapolis

urban

Fort Wayne

urban

Evansville

urban

South Bend

urban

Carmel

suburban

Bloomington

urban

Hammond

urban

Muncie

urban