Indiana SR-22 Auto Insurance
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SR-22 Insurance — Indiana

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

$250

State license reinstatement fee, about 10 days to process

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Indiana

Indiana operates under a tort-based liability system requiring proof of financial responsibility for all drivers. The Indiana Bureau of Motor Vehicles mandates SR-22 filing for most suspensions related to DUI, driving uninsured, excessive points, or failure to appear in court. Filing must remain active for the full duration or your license is re-suspended immediately.

Bodily Injury Liability

Covers injuries you cause to others in an at-fault accident. Indiana's 25/50 minimum covers less than one night in a hospital for a serious injury. If you cause an accident that exceeds these limits, you are personally liable for the difference, which can lead to wage garnishment and asset seizure in Indiana civil courts.

Property Damage Liability

Covers damage you cause to another person's vehicle or property. Indiana does not cap the amount you can be sued for beyond your policy limit.

SR-22 Certificate of Financial Responsibility

SR-22 is not insurance — it is a filing your insurer submits to the Indiana BMV proving you carry at least state minimum coverage. Any lapse, even one day, triggers an automatic SR-22 suspension notice. The BMV requires 3 years of continuous SR-22 filing for DUI suspensions, measured from the reinstatement date, not the conviction date.

Uninsured Motorist Coverage

If an uninsured driver hits you and you lack this coverage, your only recourse is suing the at-fault driver directly — an often unproductive process in Indiana small claims courts.

What Drivers Pay in Indiana

$194–$282/mo

Typical monthly rate in Indiana, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

  • Continuous SR-22 filing for 3 years without lapse qualifies some drivers for rate reductions in year 2 and year 3, though not all carriers offer this in Indiana.
  • Hardship license holders pay the same SR-22 premiums as fully reinstated drivers — insurance cost is identical regardless of license restriction level.
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If your license is suspended

Specialized Driving Privileges (SDP, IC 9-30-16)

A restricted license is available while suspended.

A coverage lapse is reported

The state can act when your insurance lapses.

Source: state DMV, insurance department and statute records, verified July 2026

Frequently Asked Questions

Do I need insurance while my license is suspended in Indiana?

Yes. Indiana requires continuous insurance coverage even during suspension if you own a registered vehicle. If your suspension requires SR-22 filing, you must maintain SR-22 coverage for the full 3-year period starting from your reinstatement date, not the suspension date. If your SR-22 lapses during this period, the Indiana BMV issues an automatic re-suspension notice.

How long do I need SR-22 filing in Indiana?

Indiana requires 3 years of continuous SR-22 filing for most suspensions — DUI, uninsured operation, excessive points, and failure to appear. The 3-year period starts on your reinstatement date, not your conviction or suspension date. If your filing lapses at any point, the clock resets and you start the 3-year period over.

Does a hardship license reduce my SR-22 insurance cost in Indiana?

No. Hardship license holders pay the same SR-22 premiums as fully reinstated drivers — insurance cost is based on your violation history and coverage limits, not your license restriction level. Indiana BMV hardship licenses allow limited driving for work, school, or medical appointments, but carriers do not offer reduced premiums for restricted use.

Which insurance companies write SR-22 policies in Indiana?

Non-standard carriers like The General, Direct Auto, and regional Indiana carriers write most SR-22 policies for suspended drivers. Standard carriers like State Farm and Nationwide often decline suspended drivers during the SR-22 period. Non-standard carriers impose stricter payment terms — many require 6-month prepayment or mandatory EFT with no grace period for late payments.

Coverage Types

SR-22 Insurance

Certificate filed by your insurer proving you carry Indiana minimum liability coverage. Required for 3 years after most suspensions.

Non-Owner SR-22

Liability-only policy for drivers who do not own a vehicle but need SR-22 filing to satisfy Indiana reinstatement requirements.

Liability Insurance

Covers bodily injury and property damage you cause to others. Indiana requires 25/50/25 minimums for all drivers.

Uninsured Motorist Coverage

Covers your injuries and vehicle damage when an at-fault driver has no insurance or insufficient coverage.

Non-Standard Auto Insurance

Coverage for drivers classified as high-risk due to suspensions, DUI, points, or lapsed coverage. Offered by specialty carriers.

Find Your City in Indiana

Indianapolis

urban

Fort Wayne

urban

Evansville

urban

South Bend

urban

Carmel

suburban

Bloomington

urban

Hammond

urban

Muncie

urban