Minimum Coverage Requirements in Indiana
Indiana requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. 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.
How Much Does Car Insurance Cost in Indiana?
High-risk insurance premiums in Indiana vary widely based on violation type, driving history, age, and location. Drivers with DUI convictions typically pay $180–$400/mo during their SR-22 requirement period, while those with suspensions for non-DUI violations may see rates in the $150–$300/mo range. Indiana's relatively affordable baseline premiums and competitive non-standard carrier market keep rates lower than coastal states, but expect to pay 2–4 times the cost of a clean-record policy until the SR-22 requirement ends and your record ages.
What Affects Your Rate
- Violation type: DUI convictions carry the highest surcharges (150–300% above base rate), while suspensions for administrative reasons see smaller increases (50–100%)
- 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
- Age and experience: drivers under 25 with SR-22 requirements often pay $400+/mo due to combined youth and high-risk rating
- Coverage level: moving from state minimums to 100/300/100 limits adds $30–$60/mo, while adding full coverage can double the premium
- 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
Your SR-22 period is ending — you can access standard rates again
Most drivers see significant savings when they transition off SR-22. Compare current rates now.
Get Your Free QuoteCoverage 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.
