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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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Updated March 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.

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.

Minimum Liability (SR-22)
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
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)
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.

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

Compare Auto Insurance Rates in Indiana

Coverage Options

Find Your City in Indiana

Indianapolis, Indiana cityscape and street view

Indianapolis

urban
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Fort Wayne

urban
Evansville, Indiana cityscape and street view

Evansville

urban
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South Bend

urban
Wooden walkway with autumn trees showing orange fall foliage and traditional buildings in background

Carmel

suburban
Green crop fields stretching across rural farmland with blue sky and forests in the background

Bloomington

urban
Autumn landscape with golden grain field and colorful fall trees under blue sky

Hammond

urban
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Muncie

urban

Frequently Asked Questions

Sources

  • Indiana Bureau of Motor Vehicles — Financial Responsibility and SR-22 Requirements
  • Indiana Department of Insurance — Minimum Auto Insurance Coverage
  • Insurance Information Institute — Uninsured Motorist Statistics by State

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