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Indiana SR-22 & High-Risk Auto Insurance

Indiana requires SR-22 filing for DUI convictions, license suspensions, and major violations. The filing requirement lasts 3 years and costs $15–$50 to file, but high-risk premiums average $2,400–$5,200 annually depending on violation type and carrier availability.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

State Requirements

Indiana requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident. The state does not require uninsured motorist coverage, though roughly 15% of Indiana drivers are uninsured. SR-22 filing is triggered by DUI convictions, driving under suspension, at-fault accidents without insurance, repeat violations, and failure to provide proof of insurance. For high-risk drivers, state minimums rarely provide adequate protection given the legal exposure from previous violations.

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25/50/25
Liability Insurance
Indiana law requires $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. These minimums can be exhausted quickly in serious accidents, leaving high-risk drivers personally liable for amounts exceeding policy limits. Many non-standard carriers offer only state minimum policies, but purchasing higher limits—if available—reduces exposure if you cause another accident during the SR-22 period.
Meets state minimums
SR-22 Certificate Filing
SR-22 is not insurance but a certificate your carrier files with the Indiana Bureau of Motor Vehicles proving you carry at least minimum liability coverage. The filing itself costs $15–$50 depending on carrier, but the underlying policy premium for high-risk drivers is typically 2–4 times higher than standard rates. Not all carriers offer SR-22 filing in Indiana; you must use a company licensed to file with the BMV.
Not required
Uninsured Motorist Coverage
Indiana does not mandate uninsured motorist coverage, but approximately 15% of drivers in the state carry no insurance. If you are hit by an uninsured driver while on SR-22, you receive no compensation for injuries unless you carry UM coverage. For high-risk drivers who cannot afford another at-fault claim, UM coverage provides essential protection against uninsured drivers who may not have assets to pursue.
Not required
Collision Coverage
Collision coverage is not legally required in Indiana unless mandated by a lender or lessor. High-risk drivers with financed vehicles must carry collision to protect the lienholder's interest, and premiums are substantially higher due to violation surcharges. If you own your vehicle outright and its value is low, dropping collision can reduce monthly costs during the SR-22 requirement period.
Not required
Comprehensive Coverage
Comprehensive coverage pays for non-collision damage such as theft, vandalism, fire, and weather events. Indiana does not require it by law, but lenders typically do for financed vehicles. High-risk drivers pay elevated comprehensive premiums, though rates are less affected by driving violations than collision or liability since comprehensive claims are not tied to at-fault accidents.
State-Mandated Minimum Coverage · Indiana

Indiana Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$250

Meeting the state minimum keeps you legal. See whether it's enough — get your Indiana quote.

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Cost Overview

High-risk auto insurance premiums in Indiana are driven by violation type, SR-22 filing requirements, and limited carrier availability in the non-standard market. Drivers with DUI convictions typically pay 2.5–4 times standard rates, while those with multiple at-fault accidents or suspensions face premiums in the $2,400–$5,200 annual range based on available industry data. Rates vary significantly by carrier, location, and how long ago the violation occurred.

What Affects Your Rate

  • Type of violation: DUI convictions carry the highest surcharges, followed by at-fault accidents and driving under suspension
  • Time since violation: rates typically decrease after 3 years if no new incidents occur and SR-22 requirement ends
  • SR-22 filing requirement: adds $15–$50 to file, but underlying policy premiums increase significantly due to high-risk classification
  • Location: urban areas like Indianapolis, Fort Wayne, and Evansville have higher rates due to accident frequency and theft risk
  • Coverage limits: choosing state minimums reduces premium but increases personal liability exposure if you cause another accident
  • Non-standard carrier availability: fewer carriers write high-risk policies in Indiana, limiting competition and rate options
Minimum Liability (SR-22)
$200–$350/mo
State minimum 25/50/25 liability with SR-22 filing, typically offered by non-standard carriers for drivers with DUI, suspensions, or major violations. No collision or comprehensive coverage.
Standard Liability Plus
$250–$400/mo
Higher liability limits (50/100/50 or 100/300/100) with SR-22, providing better protection if you cause another accident during the requirement period. Some non-standard carriers offer uninsured motorist coverage at this tier.
Full Coverage (Financed Vehicle)
$300–$450/mo
Liability plus collision and comprehensive required for financed or leased vehicles, with SR-22 filing. High deductibles ($1,000+) are common in the non-standard market to keep premiums manageable.

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Coverage Types

Liability Insurance

Pays for injuries and property damage you cause to others in an at-fault accident. Indiana's 25/50/25 minimums are easily exhausted in serious crashes, leaving you personally liable for the excess.

SR-22 Certificate Filing

Proof-of-insurance certificate filed with the Indiana BMV for drivers with DUI, suspensions, or major violations. Required continuously for 3 years.

Uninsured Motorist Coverage

Protects you if you are hit by a driver with no insurance or insufficient coverage. Not required in Indiana but critical given the state's 15% uninsured driver rate.

Non-Standard Auto Insurance

Policies designed for drivers with DUI, suspensions, lapses, or poor driving records who cannot qualify for standard carriers. Premiums are higher and coverage options more limited.

Collision Coverage

Pays for damage to your vehicle after an at-fault accident, regardless of who is responsible. Required by lenders for financed vehicles.

Full Coverage

Liability plus collision and comprehensive, typically required for financed or leased vehicles. High-risk drivers face elevated premiums across all coverages.

Find Your City in Indiana

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Indianapolis

urban
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Fort Wayne

urban
Evansville, Indiana cityscape and street view

Evansville

urban
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South Bend

urban
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Carmel

suburban
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Bloomington

urban
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Hammond

urban
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Muncie

urban

Frequently Asked Questions

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