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Indiana DUI & Violation Insurance Guide

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

Yes

A defensive driving course can reduce points on your record

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

Minimum Coverage Requirements in Indiana

After a DUI, license suspension, or serious violation in Indiana, your current carrier will typically send a non-renewal notice—meaning they will not cancel your policy mid-term, but will not offer renewal when your term expires. This gives you until your expiration date to secure replacement coverage. The Indiana Bureau of Motor Vehicles requires SR-22 filing for most suspensions, and you must maintain this filing continuously for the entire reinstatement period or face a new suspension.

SR-22 Certificate

SR-22 is not a type of insurance—it is a certificate your insurer files with the Indiana BMV proving you carry the state's minimum liability coverage. Not all carriers offer SR-22 filing; you must use a carrier licensed to file in Indiana.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers—those with DUIs, violations, lapses, or suspensions on their record.

Liability Insurance

After a violation, you must maintain at least these minimums continuously—any lapse during your SR-22 period triggers a new suspension and restarts the filing clock.

High-Risk Auto Insurance

High-risk auto insurance covers drivers classified as high-risk by insurers due to violations, DUIs, or suspensions. These policies are underwritten differently than standard coverage, with stricter payment terms and higher down payments, but they provide the SR-22 filing needed for license reinstatement in Indiana.

What Drivers Pay in Indiana

$202–$234/mo

Typical monthly rate in Indiana, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Violation type (DUI increases rates more than speeding)
  • Time since violation (rates decrease as the violation ages)
  • Age and gender (younger drivers pay substantially more)
  • Location within Indiana (Indianapolis, Fort Wayne, and Evansville have higher rates due to population density and claim frequency)
  • Carrier availability (fewer carriers offer SR-22, reducing competition and raising prices)
  • Payment plan (non-standard carriers often require larger down payments or charge fees for monthly installments)
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Get Back to a Fair Rate After a Violation

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Coverage Types

High-Risk Auto Insurance

Coverage for drivers classified as high-risk due to DUI, violations, or suspensions. Policies include SR-22 filing and meet Indiana reinstatement requirements, but are underwritten with stricter terms and higher premiums.

Non-Standard Auto Insurance

Insurance sold by carriers specializing in drivers who cannot qualify for standard coverage. These policies provide the required SR-22 filing and satisfy state minimums for license reinstatement.

SR-22 Insurance

Not a separate insurance type—SR-22 is a certificate filed by your insurer with the Indiana BMV proving you carry required coverage. You purchase insurance and add SR-22 filing to it.

Liability Insurance

Minimum required coverage for bodily injury and property damage caused to others. After a violation, you must maintain at least Indiana's minimum limits continuously to satisfy SR-22 requirements.

Find Your City in Indiana

Indianapolis

urban

Fort Wayne

urban

Evansville

urban

South Bend

urban

Carmel

suburban

Bloomington

urban

Hammond

urban

Muncie

urban