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

Indiana requires 25/50/25 minimum liability coverage and SR-22 filing for 3 years after most suspensions. Average monthly premiums range $140–$220 with SR-22, varying by suspension type and county. Many suspended drivers qualify for non-owner policies to satisfy reinstatement requirements without owning a vehicle.

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Updated June 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.

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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. The $25,000 minimum is often insufficient in multi-vehicle accidents or when commercial vehicles are involved. 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
Optional in Indiana, but approximately 15% of Indiana drivers are uninsured, one of the higher rates in the Midwest. 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.

How Much Does Car Insurance Cost in Indiana?

Indiana SR-22 premiums vary significantly by suspension type, county, and whether you own a vehicle. Marion, Lake, and Allen counties have the highest rates due to urban density and higher uninsured motorist rates. Non-owner SR-22 policies cost 40–60% less than standard policies.

What Affects Your Rate

  • DUI suspensions increase premiums 85–140% over non-SR-22 rates in Indiana, with the higher end applying in urban counties.
  • Marion County averages $25–$40/mo more than rural Indiana counties due to higher claim frequency and uninsured motorist rates.
  • Non-owner SR-22 policies eliminate the vehicle-related portion of the premium, reducing costs by approximately $50–$90/mo compared to standard policies.
  • 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.
  • Drivers under 25 with SR-22 requirements face an additional 30–50% surcharge on top of SR-22 penalties.
  • Hardship license holders pay the same SR-22 premiums as fully reinstated drivers — insurance cost is identical regardless of license restriction level.
Minimum Coverage
$115–$155/mo
State minimum 25/50/25 liability with SR-22 filing. Available only to drivers with clean records aside from the triggering suspension event. Non-owner policies in this tier typically run $70–$95/mo.
Standard Coverage
$140–$220/mo
50/100/50 liability with uninsured motorist coverage and SR-22 filing. Most carriers writing high-risk drivers in Indiana price in this range. Includes coverage for accidents involving uninsured drivers, common in Indiana.
Full Coverage
$210–$350/mo
Liability, comprehensive, collision, uninsured motorist, and SR-22 filing. Required if you have a car loan or lease. Rates increase sharply for drivers with DUI suspensions due to Indiana's high-risk pool pricing.

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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

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Indianapolis

urban
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Fort Wayne

urban
Evansville, Indiana cityscape and street view

Evansville

urban
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South Bend

urban
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Carmel

suburban
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Bloomington

urban
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Hammond

urban
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Muncie

urban

Frequently Asked Questions

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