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.
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
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Get Your Free QuoteCoverage 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.
