Minimum Coverage Requirements in Indiana
Indiana requires minimum liability coverage of 25/50/25 — $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. Drivers with DUI convictions, major violations, or suspensions must file SR-22 with the Indiana Bureau of Motor Vehicles for 3 years. The SR-22 itself costs $15–$35 to file, but the violation that triggered it raises premiums significantly. 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.
How Much Does Car Insurance Cost in Indiana?
Post-SR22 drivers in Indiana typically pay $140–$280/mo for liability-only coverage in the first year after the filing requirement ends, compared to $60–$110/mo for drivers with clean records. Rates drop 15–30% in year two as the violation ages, then decline more gradually until the offense falls off your record entirely. DUI offenses remain on Indiana driving records for 5 years, while most moving violations drop after 2–3 years, but insurers may consider the history for up to 5 years depending on underwriting guidelines.
What Affects Your Rate
- Time since SR-22 filing ended — rates drop 15–30% between year one and year two as the violation ages
- Type of original offense — DUI surcharges last longer and cost more than suspended license or point accumulation surcharges
- Whether you remained with the same carrier or shopped after SR-22 ended — shopping can save $400–$1,200/year
- 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
Your SR-22 period is ending — you can access standard rates again
Most drivers see significant savings when they transition off SR-22. Compare current rates now.
Get Your Free QuoteCoverage 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.
