Updated March 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
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Frequently Asked Questions
Sources
- Indiana Bureau of Motor Vehicles – SR-22 Requirements and Financial Responsibility (www.in.gov/bmv)
- Indiana Department of Insurance – Consumer Information and Complaints (www.in.gov/idoi)
- Indiana Code Title 9 – Motor Vehicles (iga.in.gov)