State Requirements
Indiana requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage (25/50/25). 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.
Cost Overview
High-risk auto insurance in Indiana typically costs $2,200–$4,600 per year for state minimum liability coverage with SR-22 filing, depending on violation type, age, location, and driving history. DUI convictions generally result in the highest premiums—often 2–3 times standard rates—while at-fault accidents or multiple violations may double costs. Rates vary significantly across Indiana cities due to local claim frequency, uninsured motorist rates, and carrier availability.
What Affects Your Rate
- Violation type: DUI convictions add 150–300% to base rates; multiple speeding tickets or at-fault accidents add 80–150%
- 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
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Get Your Free QuoteCoverage 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.
