Updated April 2026
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
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Sources
- Indiana Bureau of Motor Vehicles — Financial Responsibility and SR-22 Requirements
- Indiana Department of Insurance — Consumer Insurance Guide
- Indiana Code Title 9, Article 25 — Motor Vehicle Financial Responsibility Act