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Indiana DUI & License Suspension Insurance Guide

After a DUI or serious traffic violation in Indiana, your current insurer will typically non-renew your policy at the end of its term. The state requires you to file SR-22 proof of insurance for 3 to 5 years, and your premium will increase 50% to 200% depending on the violation.

Indiana cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Indiana

After a DUI, license suspension, or serious traffic violation in Indiana, your current auto insurance carrier will typically send a non-renewal notice—meaning your policy will end at the next renewal date, not immediately. The Indiana Bureau of Motor Vehicles will typically require you to file SR-22 proof of insurance before reinstating your license. You must maintain this filing continuously for 3 to 5 years depending on your offense, and any coverage lapse during that period restarts the clock.

How Much Does Car Insurance Cost in Indiana?

Indiana violation drivers typically pay $150 to $400 per month for liability-only coverage, compared to $60 to $120 for drivers with clean records. DUI convictions produce the largest rate increases, often doubling or tripling your premium, while suspended license violations and multiple moving violations typically increase rates by 50% to 150%. Rates begin to decline after 3 years if no additional violations occur, with the most significant drops happening after the SR-22 filing requirement ends.

Minimum Liability
State minimum coverage with SR-22 filing. Covers damage you cause to others but provides no protection for your own vehicle. Most affordable option for violation drivers with paid-off vehicles.
Standard Liability
Higher liability limits (50/100/50 or 100/300/100) for violation drivers who own assets worth protecting from lawsuits. Provides better coverage for serious at-fault accidents but does not cover your own vehicle.
Full Coverage
Liability plus collision and comprehensive coverage for violation drivers with financed or leased vehicles. Required by lenders but prohibitively expensive for many DUI drivers—carefully compare the coverage cost against your vehicle's actual cash value.

What Affects Your Rate

  • Violation type—DUI increases rates more than a suspended license for points
  • Time since violation—rates drop significantly after 3 years with no new offenses
  • SR-22 filing requirement adds $15 to $50 upfront plus restricts you to non-standard carriers
  • Prior insurance history—a lapse in coverage before your violation compounds the rate increase
  • Age and driving history before the violation—senior drivers with otherwise clean records may see smaller increases than younger drivers
  • Carrier availability—fewer insurers offer SR-22 filings in Indiana, limiting competition and increasing cost

Compare Auto Insurance Rates in Indiana

Find Your City in Indiana

Indianapolis, Indiana cityscape and street view

Indianapolis

urban
Aerial view of residential neighborhood with trees leading to downtown city skyline under cloudy sky

Fort Wayne

urban
Evansville, Indiana cityscape and street view

Evansville

urban
Pickup truck in snowy parking lot at sunset with bare trees and purple-orange sky in winter suburban setting

South Bend

urban
Wooden walkway with autumn trees showing orange fall foliage and traditional buildings in background

Carmel

suburban
Green crop fields stretching across rural farmland with blue sky and forests in the background

Bloomington

urban
Autumn landscape with golden grain field and colorful fall trees under blue sky

Hammond

urban
Gas station with red and white striped canopy and fuel pumps surrounded by green trees

Muncie

urban

Sources

  • Indiana Bureau of Motor Vehicles — Driver License Reinstatement Requirements
  • Indiana Code Title 9 Article 25 — Financial Responsibility and Insurance
  • National Association of Insurance Commissioners — Auto Insurance Database

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