Minimum Coverage Requirements in Indiana
Indiana requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. The Indiana Bureau of Motor Vehicles mandates SR-22 filing for DUI convictions, driving without insurance, habitual traffic offenders, and license suspensions. Indiana operates a point system where accumulating 18 or more points in 24 months triggers automatic license suspension, though most point violations do not require SR-22 unless suspension occurs.
How Much Does Car Insurance Cost in Indiana?
High-risk auto insurance in Indiana typically costs $200–$400/mo for drivers with DUI, SR-22 requirements, or multiple violations, compared to $80–$150/mo for clean-record drivers. Rates vary widely by violation type: a single at-fault accident may add 30–50% to premiums, while DUI can double or triple costs. Indiana's competitive non-standard market means shopping multiple carriers often yields $50–$150/mo differences for identical coverage.
What Affects Your Rate
- Violation type: DUI adds 80–150% to premiums; at-fault accidents add 30–60%; speeding tickets add 15–30%
- SR-22 requirement: filing fee is minor, but SR-22 signals high-risk status and limits carrier options
- Time since violation: rates decrease 10–20% annually as violations age, with steepest drops after year 3
- Point accumulation: Indiana's 18-point suspension threshold means multiple violations compound rate increases
- Coverage tier: moving from minimum liability to full coverage can double premiums for high-risk drivers
- Carrier type: non-standard insurers may charge 20–40% more than standard carriers but accept higher-risk profiles
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Indiana's 25/50/25 minimums are low — a serious accident can exceed these limits in seconds, leaving you personally liable for the remainder.
Full Coverage
Bundles liability, collision, and comprehensive. Repairs your vehicle after accidents, theft, or weather damage regardless of fault.
SR-22 Insurance
A certificate your insurer files with the state proving you carry continuous liability coverage. Required for 3 years after DUI, suspension, or uninsured accidents in Indiana.
Non-Standard Auto Insurance
Policies for drivers standard carriers reject: DUI, SR-22, multiple violations, or suspensions. Higher premiums but accessible coverage.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage if an uninsured or underinsured driver hits you. Indiana requires insurers to offer it, but you can decline in writing.
Collision Coverage
Pays to repair your vehicle after an at-fault accident or collision with an object. Required by lenders on financed vehicles.
