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Indiana SR-22 Insurance After Filing Ends

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

Drivers with DUI convictions, major violations, or suspensions must file SR-22 with the Indiana Bureau of Motor Vehicles for 3 years. Once the 3-year filing period ends, rates begin declining, though the underlying offense remains on your record for 5–10 years depending on severity.

Liability Insurance

Indiana's minimum 25/50/25 liability limits are mandatory for all drivers and remain required after SR-22 filing ends. Post-SR22 drivers often carry higher limits (50/100/50 or 100/300/100) because carriers view them as higher risk and minor accidents can trigger surcharges that erase any savings from minimum coverage. The Indiana Bureau of Motor Vehicles will suspend your license immediately if coverage lapses, even after the SR-22 period ends.

Uninsured Motorist Coverage

Indiana requires insurers to offer uninsured and underinsured motorist coverage at the same limits as your liability policy, though you can reject it in writing. Post-SR22 drivers benefit from carrying UM/UIM because they already have one major violation — a second at-fault claim or uninsured accident can push them back into assigned risk pools. Indiana's UM rejection must be documented annually, and many carriers automatically include it unless you opt out.

Full Coverage

Full coverage combines liability, comprehensive, and collision and is required by lenders if you finance or lease a vehicle.

Comprehensive Coverage

Comprehensive covers theft, vandalism, weather, and animal strikes. Post-SR22 drivers often see higher comprehensive rates because insurers price the entire policy — including all coverages — based on the violation history, even though comprehensive claims are not tied to at-fault driving. Indiana averages 7,000–9,000 deer strikes annually, making comprehensive particularly valuable for rural drivers recovering from SR-22.

Collision Coverage

Collision covers damage to your vehicle in an at-fault accident. Post-SR22 drivers pay elevated collision premiums because the original violation signals higher crash risk to insurers.

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

  • Type of original offense — DUI surcharges last longer and cost more than suspended license or point accumulation surcharges
  • Claims filed during or after the SR-22 period — even minor at-fault claims extend the high-risk surcharge window
  • Credit-based insurance score — Indiana allows credit scoring, and many post-SR22 drivers see score improvements as they rebuild financially
  • ZIP code and garaging location — urban areas like Indianapolis and Fort Wayne have higher base rates and larger post-SR22 surcharges than rural counties
A man in a tan jacket and jeans stands beside a dark sedan with its rear door open, looking toward a city skyline at sunset.

Shop Again Now That Your Filing Has Ended

Compare Rates After SR-22

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

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Indiana's 25/50/25 minimum remains required after SR-22 ends, but post-SR22 drivers often increase limits because another at-fault claim can trigger severe surcharges or non-renewal.

Full Coverage

Liability plus comprehensive and collision. Required by lenders for financed vehicles and recommended for cars worth more than $5,000–$7,000 if you can't afford to replace them out-of-pocket.

Uninsured Motorist Coverage

Covers your injuries and damages if you're hit by an uninsured or underinsured driver. Indiana requires insurers to offer it, but you can reject it in writing — not recommended for post-SR22 drivers who can't afford another loss event.

Comprehensive Coverage

Covers theft, vandalism, weather, fire, and animal strikes. Not legally required, but often mandated by lenders and valuable in Indiana due to frequent deer collisions and severe storm activity.

SR-22 Insurance

SR-22 is a certificate of financial responsibility filed by your insurer with the Indiana Bureau of Motor Vehicles. It confirms you carry minimum liability and must remain active for the full 3-year requirement period.

Non-Standard Auto Insurance

Coverage from carriers specializing in high-risk drivers, including those with DUI, suspensions, or SR-22 history. Non-standard policies cost more but offer coverage when standard carriers decline or charge prohibitive rates.

Find Your City in Indiana

Indianapolis

urban

Fort Wayne

urban

Evansville

urban

South Bend

urban

Carmel

suburban

Bloomington

urban

Hammond

urban

Muncie

urban