Updated April 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.
How Much Does Car Insurance Cost in Indiana?
Indiana drivers with DUI or serious violations pay substantially higher premiums—typically 50–200% more than standard rates. A driver who previously paid $100/month may see rates jump to $150–$300/month or higher, depending on violation severity, age, driving history, and location. Rates begin to decrease after 3–5 years if you maintain a clean record, but the violation remains on your driving record for at least 5 years.
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)
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage 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.
