Indiana SR-22 & High-Risk Auto Insurance
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
State Requirements
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.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured Motorist Coverage
Collision and Comprehensive
Cost Overview
$13–$27/mo
Typical monthly rate in Indiana, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
What Affects Your Rate
- County accident rates: Marion, Lake, and Allen counties have higher base premiums due to claim frequency
- Carrier availability: fewer than 12 non-standard insurers actively write SR-22 policies in Indiana, limiting price competition
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf 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
Frequently Asked Questions
How long do I need SR-22 in Indiana?
Indiana requires SR-22 filing for 3 years from the date specified in your suspension or reinstatement order. If your policy lapses at any point during those 3 years, the Indiana BMV suspends your license immediately and the 3-year clock resets once you reinstate.
Which insurance companies offer SR-22 in Indiana?
Non-standard carriers that file SR-22 in Indiana include national high-risk specialists and regional providers. Fewer than 12 insurers actively compete for SR-22 business in the state, so comparing quotes from multiple carriers is critical to finding the lowest rate for your violation type.
Coverage 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.