After SR-22 Insurance
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Indiana SR-22 Insurance After DUI & Suspensions

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

$250

State license reinstatement fee, about 10 days to process

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Indiana

Drivers convicted of DUI, driving while suspended, causing an accident without insurance, or accumulating excessive violations typically receive an SR-22 filing requirement from the Indiana Bureau of Motor Vehicles. The SR-22 filing lasts 3 years in most cases, and any lapse in coverage during this period triggers license suspension and restarts the clock.

Bodily Injury Liability

Property Damage Liability

For drivers with SR-22 filing requirements, a second at-fault claim while carrying minimum limits can trigger non-renewal and force placement into the assigned risk pool, where premiums double or triple.

Uninsured/Underinsured Motorist Coverage

If an uninsured driver causes an accident during your SR-22 period, you have no liability claim to file and must rely on your own collision and medical payments coverage—or absorb the loss personally. Many non-standard carriers offer UM/UIM coverage at modest cost, and it protects your rate from a not-at-fault accident caused by an uninsured driver.

Full Coverage (Comprehensive + Collision)

Full coverage includes comprehensive and collision insurance, which pay to repair or replace your vehicle after accidents, theft, weather damage, or vandalism. Indiana does not require full coverage by law, but lenders and leasing companies mandate it for financed vehicles. High-risk drivers often carry older vehicles to avoid the cost of full coverage, but dropping collision or comprehensive during an SR-22 period can complicate reinstatement and limit your carrier options when the filing requirement ends.

SR-22 Certificate of Financial Responsibility

SR-22 is not a type of insurance—it is a filing submitted by your carrier to the Indiana Bureau of Motor Vehicles certifying that you carry at least state minimum liability coverage. Any lapse triggers automatic license suspension and restarts the 3-year filing requirement, so continuous coverage is non-negotiable during the SR-22 period.

What Drivers Pay in Indiana

$194–$282/mo

Typical monthly rate in Indiana, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

  • Time since violation: rates drop incrementally each year after the violation date; the steepest drop occurs when the SR-22 requirement ends after 3 years
  • Vehicle type: newer vehicles requiring full coverage cost significantly more to insure under SR-22 than older vehicles carried with liability only
  • Carrier selection: non-standard carriers specializing in high-risk drivers often offer lower rates than standard carriers with surcharge-based pricing models
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Your SR-22 Is Over. Your Rate Should Drop Too

Find Affordable Coverage After SR-22

If your license is suspended

Specialized Driving Privileges (SDP, IC 9-30-16)

A restricted license is available while suspended.

A coverage lapse is reported

The state can act when your insurance lapses.

Source: state DMV, insurance department and statute records, verified July 2026

Coverage Types

Liability Insurance

Covers bodily injury and property damage you cause to others in an at-fault accident. Indiana's 25/50/25 minimums are often insufficient for serious accidents, and a second at-fault claim during your SR-22 period can force you into the assigned risk pool.

Full Coverage

Combines liability, collision, and comprehensive coverage to protect both other parties and your own vehicle. Required by lenders and leasing companies, and often necessary to maintain favorable carrier relationships after violations.

Uninsured Motorist Coverage

Pays for your injuries and vehicle damage when an at-fault driver has no insurance or insufficient coverage. Indiana does not require UM/UIM, but approximately 15% of drivers in the state are uninsured.

SR-22 Certificate Filing

SR-22 is a certificate filed by your insurer with the Indiana Bureau of Motor Vehicles proving you carry continuous liability coverage. The filing itself costs $15–$50, but the underlying high-risk insurance is what drives up premiums.

Non-Standard Auto Insurance

Non-standard or high-risk insurance is designed for drivers with violations, suspensions, or SR-22 requirements who cannot qualify for standard carrier rates. Non-standard carriers specialize in SR-22 filings and flexible payment plans.

Comprehensive Coverage

Pays to repair or replace your vehicle after non-collision events like theft, vandalism, hail, fire, or animal strikes. Required by lenders and often bundled with collision as part of full coverage.

Find Your City in Indiana

Indianapolis

urban

Fort Wayne

urban

Evansville

urban

South Bend

urban

Carmel

suburban

Bloomington

urban

Hammond

urban

Muncie

urban