Non-Standard Auto Insurance — Indiana
Non-standard auto insurance is coverage for drivers classified as high-risk by traditional carriers — typically after a DUI, suspension, multiple violations, or lapsed coverage.
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What Is Non-Standard Auto Insurance?
Non-standard auto insurance covers the same losses as traditional auto insurance — liability, collision, comprehensive — but it's written for drivers traditional carriers won't accept at standard rates. You're placed in the non-standard market when your driving record, credit, or insurance history makes you statistically riskier to insure. In Indiana, most suspended drivers need non-standard coverage because it's the only market that will issue the SR-22 certificate required for license reinstatement.
Who Needs Non-Standard Auto Insurance?
You need non-standard auto insurance if your license is suspended and reinstatement requires SR-22 filing, or if traditional carriers have declined or non-renewed you due to DUI, multiple violations, or lapsed coverage. Indiana suspended drivers without a vehicle should prioritize non-owner SR-22 policies — they're cheaper, satisfy BMV requirements, and don't require you to own or register a car during your suspension period.
Check your Indiana BMV reinstatement requirements first. If SR-22 is listed, you need non-standard coverage from a carrier licensed to file SR-22 in Indiana. If you don't own a car, buy non-owner coverage. If you do own a car and it's financed, your lender requires full coverage, but if you own it outright, liability-only cuts your premium in half. Maintain coverage without lapses — even one missed payment triggers an SR-22 cancellation notice to the BMV and extends your filing period.
How Much Does Non-Standard Auto Insurance Cost?
- Type of suspension — DUI-related suspensions cost more than administrative suspensions for unpaid fines.
- Length of time since violation — rates drop if you've gone 12+ months without a new incident.
- County — urban Indiana counties like Marion and Lake have higher non-standard rates due to claim frequency.
