Indiana SR-22 Insurance & High-Risk Auto Coverage
Indiana requires 25/50/25 liability coverage and is an at-fault state.
Find Coverage After a Traffic ViolationIndiana 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, 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.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Non-Standard Auto Insurance
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
- 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
See Who Will Insure You After a Ticket
Find Coverage After a Traffic ViolationCoverage Types
SR-22 Insurance
State-mandated proof of insurance filed by your carrier with the Indiana BMV after DUI, suspension, or uninsured accident. The filing itself costs $15–$35, but premiums for the underlying liability policy increase 100–250% depending on violation severity.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers—those with DUIs, suspensions, lapses, or multiple violations. These insurers accept SR-22 filings and write policies that standard carriers decline outright.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Indiana's 25/50/25 minimums are the legal floor, but high-risk drivers often need higher limits to qualify with non-standard carriers.
Full Coverage
Liability plus collision and comprehensive, protecting both other drivers and your own vehicle. Required by lenders for financed or leased cars, even during SR-22 periods.
Uninsured Motorist Coverage
Pays your medical bills and lost wages if an uninsured or underinsured driver hits you. Not required in Indiana, but approximately 15% of state drivers lack coverage.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the crash. Typically required by lenders and carries a deductible of $500–$1,000.