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Indiana SR-22 & High-Risk Auto Insurance

Indiana requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. Filing typically lasts 3 years and costs $15–$50, but high-risk premiums average $200–$400/mo depending on violation type and driving history.

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Updated April 2026

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.

Minimum Liability
State-minimum 25/50/25 liability for high-risk drivers with SR-22 or recent violations. Lowest legal coverage but highest personal financial risk if you cause another accident.
Standard Liability
Higher liability limits (50/100/50 or 100/300/100) for high-risk drivers. Reduces out-of-pocket exposure after at-fault accidents and may satisfy lender requirements for older vehicles.
Full Coverage
Liability plus collision and comprehensive for financed or high-value vehicles. Required by lenders. For high-risk drivers, collision premiums reflect elevated accident risk and often carry $500–$1,000 deductibles.

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 Auto Insurance Rates in Indiana

Find Your City in Indiana

Indianapolis, Indiana cityscape and street view

Indianapolis

urban
Aerial view of residential neighborhood with trees leading to downtown city skyline under cloudy sky

Fort Wayne

urban
Evansville, Indiana cityscape and street view

Evansville

urban
Pickup truck in snowy parking lot at sunset with bare trees and purple-orange sky in winter suburban setting

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
Gas station with red and white striped canopy and fuel pumps surrounded by green trees

Muncie

urban

Sources

  • Indiana Bureau of Motor Vehicles – SR-22 and Financial Responsibility Requirements
  • Indiana Department of Insurance – Minimum Auto Insurance Coverage Standards
  • Indiana Code Title 9, Article 25 – Motor Vehicle Financial Responsibility Act

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