Indiana SR-22 & High-Risk Auto Insurance

Indiana's 25/50/25 minimums are among the lowest in the nation and may be insufficient after a serious at-fault accident. High-risk drivers with prior violations should consider 50/100/50 or higher, as minimum limits leave you personally liable for damages exceeding coverage. If you carry SR-22, your insurer files proof of continuous liability coverage directly with the Indiana BMV.

Full coverage combines liability, collision, and comprehensive insurance. While Indiana does not mandate it, lenders require full coverage on financed vehicles.

Indiana requires insurers to offer uninsured/underinsured motorist coverage equal to your liability limits, but you can decline it in writing.

SR-22 is not a separate policy but a certificate filed by your insurer proving you carry at least Indiana's minimum liability coverage. The Indiana BMV requires SR-22 for 3 years following DUI, suspension, or certain major violations. Not all carriers offer SR-22 filing, so drivers often move to non-standard insurers who specialize in high-risk profiles.

Non-standard carriers write policies for drivers standard insurers decline: multiple violations, DUI, SR-22 requirement, or license suspension. These carriers often require proof of reinstatement fees paid to the BMV and accept monthly payment plans.