Updated March 2026
State Requirements
Indiana requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Drivers convicted of DUI, caught driving without insurance, or involved in at-fault accidents without coverage must file SR-22 proof of financial responsibility with the Indiana Bureau of Motor Vehicles. High-risk drivers often carry higher limits to satisfy reinstatement conditions or protect against personal liability after a violation.
Cost Overview
High-risk drivers in Indiana pay $2,100–$4,200 annually for state-minimum liability with SR-22, compared to $600–$900 for clean-record drivers. Rates vary sharply by violation type: a first DUI increases premiums 90–150%, while multiple at-fault accidents or a license suspension can triple costs. Urban counties like Marion and Lake see higher rates due to accident frequency and uninsured motorist claims.
What Affects Your Rate
- Type of violation: DUI adds 90–150% to premiums, while license suspension for points adds 60–90%
- Time since violation: rates drop 15–25% per year after the SR-22 requirement ends if no new incidents occur
- County accident rates: Marion, Lake, and Allen counties have higher base premiums due to claim frequency
- Credit-based insurance score: Indiana allows insurers to use credit in pricing, which penalizes high-risk drivers with poor credit an additional 20–40%
- Vehicle type: insuring a vehicle worth over $30,000 with full coverage and SR-22 can exceed $6,000 annually
- Carrier availability: fewer than 12 non-standard insurers actively write SR-22 policies in Indiana, limiting price competition
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Liability policy with an SR-22 certificate filed to the Indiana BMV. Required for DUI, suspension, or uninsured driving convictions. Policy must remain active without lapse for 3 years or the clock resets.
Non-Standard Auto Insurance
Policies issued by carriers specializing in high-risk drivers with DUIs, lapses, or multiple violations. Coverage costs more but accepts profiles standard insurers decline.
High-Risk Liability
Bodily injury and property damage coverage for drivers with violations. Minimum limits satisfy legal requirements but leave you exposed to lawsuits after an at-fault accident.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage if hit by a driver without insurance. Optional in Indiana but recommended for high-risk drivers in counties with high uninsured rates.
Full Coverage for High-Risk Drivers
Liability, collision, and comprehensive bundled for financed vehicles. High-risk drivers pay 60–100% more than standard rates due to violation surcharges and limited carrier competition.
Reinstatement Assistance Coverage
Some non-standard carriers in Indiana offer bundled policies that include SR-22 filing, reinstatement fee payment plans, and guaranteed renewal during the 3-year SR-22 period.
