Indiana SR-22 & High-Risk Auto Insurance
Indiana requires 25/50/25 liability coverage and is an at-fault state.
Find SR-22 Coverage NowIndiana at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$250
State license reinstatement fee, about 10 days to process
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers convicted of DUI, caught driving without insurance, or who accumulate excessive violations must file SR-22 proof of financial responsibility with the Indiana Bureau of Motor Vehicles for a period typically lasting 3 years. Indiana also mandates uninsured motorist coverage at the same 25/50/25 limits unless the policyholder rejects it in writing.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$282–$310/mo
Typical monthly rate in Indiana, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- SR-22 duration remaining: Some carriers reduce rates after the first year of continuous SR-22 coverage without incidents
- County and city: Urban areas like Indianapolis and Fort Wayne see higher premiums due to claim frequency; rural counties may offer lower rates
- Age and gender: Drivers under 25 with SR-22 requirements face the highest premiums due to combined age and risk factors
- Vehicle type: High-performance or luxury vehicles increase collision and comprehensive costs significantly for high-risk profiles
- Credit-based insurance score: Indiana allows credit scoring for insurance, and drivers with impaired credit combined with violations face compounded rate increases
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf your license is suspended
Specialized Driving Privileges (SDP, IC 9-30-16)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Indiana?
Indiana requires SR-22 filing for 3 years from the date of license reinstatement or the BMV notification requiring the filing. The clock restarts if your policy lapses or is canceled at any point during the 3-year period, and your license will be suspended immediately upon lapse.
Which insurance companies offer SR-22 in Indiana?
Multiple non-standard carriers write SR-22 policies in Indiana, including national high-risk insurers and regional specialty carriers. Not all companies advertise SR-22 availability online, so working with an independent agent who accesses multiple non-standard markets can yield lower rates and broader coverage options.
Do I need SR-22 for a suspended license in Indiana?
It depends on the reason for suspension. Indiana requires SR-22 for suspensions related to DUI, uninsured driving, refusing a chemical test, or habitual traffic offenses. Administrative suspensions for unpaid tickets or failure to appear may not require SR-22, but the BMV will specify filing requirements in your reinstatement notice.
How can I lower my SR-22 insurance rates in Indiana?
Maintain continuous coverage without lapses to avoid restarting the 3-year clock, compare quotes across multiple non-standard carriers annually, increase your deductibles to lower premiums, and ask about discounts for defensive driving courses or paid-in-full policies. Rates typically decrease after the first year of SR-22 compliance and drop significantly once the requirement expires.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Indiana's 25/50/25 minimums are the legal floor, but high-risk drivers should consider higher limits to protect assets and reduce financial exposure in future claims.
SR-22 Filing
Certificate of financial responsibility filed by your insurer with the Indiana BMV. Required for 3 years after DUI, uninsured driving, or habitual violations, with immediate suspension if the policy lapses.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance or with insufficient coverage. Indiana mandates this coverage at the same limits as your liability policy unless you decline in writing.
Collision Coverage
Pays for damage to your vehicle in an at-fault accident or single-vehicle crash. Not required by Indiana law but mandated by lenders for financed vehicles.
Comprehensive Coverage
Covers non-collision losses like theft, vandalism, hail, and animal strikes. Optional unless required by a lienholder, and often paired with collision for full coverage.
Non-Standard Auto Insurance
Specialized policies from carriers that write high-risk drivers rejected by standard insurers. These policies often include SR-22 filing, higher premiums, and payment restrictions like required down payments or monthly electronic withdrawals.