Indiana SR-22 & High-Risk Auto Insurance
Indiana requires 25/50/25 liability coverage and is an at-fault state.
Compare Rates After a 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 convicted of DUI, driving without insurance, causing an accident while uninsured, or accumulating excessive violations typically must file SR-22 proof of financial responsibility with the Indiana Bureau of Motor Vehicles for 3 years. High-risk drivers often need coverage above state minimums to satisfy SR-22 requirements and protect against future liability exposure.
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
- Age and experience: Young drivers (under 25) with violations face combined surcharges that can double or triple base rates compared to older high-risk drivers
Shop Again Before Your Next Renewal Hits
Compare Rates After a ViolationCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Required by Indiana law and forms the foundation of any SR-22 policy.
SR-22 Filing
Certificate your insurer files with the Indiana BMV proving continuous coverage. Required for DUI, major violations, and license reinstatement after suspension.
Full Coverage
Combines liability, collision, and comprehensive to protect both your legal exposure and vehicle value. Lenders require this for financed or leased vehicles even during SR-22 periods.
Non-Standard Auto Insurance
Policies designed for drivers standard carriers decline: DUI convictions, SR-22 requirements, lapses, suspensions, and major violations. Premiums run 60–200% higher than standard market rates.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance or insufficient coverage. Pays medical bills, lost wages, and damages the at-fault driver cannot cover.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident or collision with an object, minus your deductible. Lenders require this for financed vehicles.