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
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage 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.
