Indiana DUI & License Suspension Insurance Guide
Indiana requires 25/50/25 liability coverage and is an at-fault state.
Compare Auto Rates for Senior DriversIndiana 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
75
Age when license renewal rules change, with a vision test at renewal
Source: state DMV, insurance department and statute records, verified July 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.
SR-22 Liability Insurance
Non-Standard Auto Insurance
High-Risk Auto Insurance
Liability-Only Coverage
What Drivers Pay in Indiana
$119–$135/mo
Typical monthly rate in Indiana, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
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
- 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
Put These Answers to Work on Your Rate
Compare Auto Rates for Senior DriversMature-driver discount
Not required by state law
Mature-driver discounts here are set by each insurer.
Source: state statutes and insurance departments, verified July 2026
Coverage Types
High-Risk Auto Insurance
Coverage for drivers classified as high-risk due to DUI, license suspension, or serious violations. Provides legally required liability coverage plus SR-22 filing, with premiums 50% to 200% higher than standard policies.
Non-Standard Auto Insurance
Policies sold by carriers specializing in drivers with violations, suspensions, or lapses. These insurers accept higher-risk profiles that standard carriers decline or non-renew.
SR-22 Insurance
Liability coverage with an SR-22 certificate filed directly with the state proving continuous compliance. The filing itself costs $15 to $50, but restricts you to non-standard carriers with significantly higher premiums.
Liability Insurance
Minimum coverage meeting Indiana state requirements, covering damage you cause to others. Provides no protection for your own vehicle but minimizes premium cost for violation drivers with paid-off cars.