Updated April 2026
State Requirements
Indiana requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. SR-22 filing is required for specific violations including DUI convictions, driving without insurance, multiple serious violations within 12 months, and habitual traffic offender status. Indiana uses a point system where accumulating 18 or more points in 24 months triggers automatic license suspension, but most single violations like speeding tickets do not require SR-22 certification. Drivers with violations on record often need higher limits than state minimums to satisfy lender requirements or protect against out-of-pocket liability exposure after an at-fault claim.
Cost Overview
High-risk insurance rates in Indiana vary widely based on violation type, driver age, location, and coverage level. A DUI conviction typically increases premiums by 70–120%, while at-fault accidents raise rates by 40–80% for 3–5 years. Indiana's point system and SR-22 filing requirements compound these increases, and drivers with multiple violations may only qualify for non-standard carriers with premiums 2–3 times higher than standard market rates.
What Affects Your Rate
- Violation type: DUI convictions carry steeper surcharges (70–120%) than at-fault accidents (40–80%) or speeding tickets (15–35%)
- Point accumulation: Indiana assigns 2–8 points per violation; 18+ points in 24 months triggers suspension and SR-22 requirement
- SR-22 filing status: Adds $15–$50 filing fee plus 30–80% premium increase due to limited carrier availability
- Time since violation: Most violations affect rates for 3–5 years; points remain on record for 2 years from conviction date
- Location: Urban counties like Marion and Lake see higher premiums due to accident frequency and uninsured driver rates
- Age and experience: Drivers under 25 with violations face compounded surcharges, often 100–200% above base high-risk rates
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 bodily injury and property damage you cause to others. Indiana's 25/50/25 minimums may not cover a serious accident, leaving you personally liable for the difference.
SR-22 Insurance
Certificate of financial responsibility filed with the Indiana BMV. Required for 3 years following DUI, major violations, or license suspension.
Full Coverage
Liability, collision, and comprehensive bundled. Required by lenders and protects your vehicle's value after an accident or theft.
Non-Standard Auto Insurance
Policies for drivers with DUI, lapses, SR-22 requirements, or multiple violations who don't qualify for standard rates.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage if you're hit by an uninsured or underinsured driver. Optional in Indiana but must be offered by all carriers.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, minus your deductible. Required by lenders on financed or leased vehicles.
