Updated April 2026
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, license suspensions for repeated violations, or at-fault accidents while uninsured typically face SR-22 filing requirements through the Indiana Bureau of Motor Vehicles. High-risk drivers often need coverage above these minimums to qualify with non-standard carriers and protect against out-of-pocket exposure after a violation.
How Much Does Car Insurance Cost in Indiana?
High-risk auto insurance in Indiana costs significantly more than standard coverage due to violation surcharges, SR-22 filing requirements, and limited carrier competition. DUI convictions typically result in the highest premiums, often 150–250% above baseline rates, while at-fault accidents and suspensions add 40–100% depending on severity. Rates decline gradually as violations age off your record, with most drivers seeing meaningful relief after 3–5 years of clean driving.
What Affects Your Rate
- Type of violation: DUI convictions carry the highest surcharges, often 150–250% above baseline; at-fault accidents typically add 40–70%; suspensions for points or lapses add 50–120%
- SR-22 filing duration and compliance: 3-year requirement in Indiana; any lapse restarts the period and triggers license suspension, forcing new reinstatement fees and higher premiums
- Time since violation: Premiums decrease annually as violations age; most carriers reduce surcharges after 3 years and return to standard rates after 5 years violation-free
- Driving record depth: Multiple violations or accidents in a 3–5 year period push drivers into non-standard tier permanently until clean period is established
- Coverage level selected: Minimum liability SR-22 policies are $50–$150/mo cheaper than full coverage, but lenders require comprehensive and collision for financed vehicles
- Carrier availability: Non-standard carriers have different risk appetites; comparing 3–5 quotes in Indiana can yield $50–$150/mo savings even among high-risk insurers
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Sources
- Indiana Bureau of Motor Vehicles – Financial Responsibility and SR-22 Requirements
- Indiana Department of Insurance – Minimum Coverage Standards
- Insurance Information Institute – High-Risk Auto Insurance Data