Indiana SR-22 & High-Risk Auto Insurance
Indiana requires 25/50/25 liability coverage and is an at-fault state.
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Indiana 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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
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.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Non-Standard Auto Insurance
Cost Overview
$202–$234/mo
Typical monthly rate in Indiana, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Point accumulation: Indiana assigns 2–8 points per violation; 18+ points in 24 months triggers suspension and SR-22 requirement
- 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
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long do points stay on your license in Indiana?
Points remain on your Indiana driving record for 2 years from the date of conviction, not the date of the violation. However, the violation itself stays on your record for at least 3 years and affects insurance rates for 3–5 years depending on severity. Major violations like DUI remain visible on your MVR for up to 10 years.
Coverage 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.