Minimum Coverage Requirements in Indiana
Indiana operates under a tort liability system, which means the at-fault driver's insurance pays for damages in an accident. After a DUI conviction, the Indiana Bureau of Motor Vehicles requires SR-22 filing to prove continuous financial responsibility during your 3-year monitoring period. SR-22 is not insurance — it is a certificate your carrier files with the BMV confirming you maintain the state minimum coverage.
How Much Does Car Insurance Cost in Indiana?
Indiana DUI SR-22 rates are set by conviction class, time since conviction, and whether you maintained continuous coverage. First-offense standard DUI convictions see lower rates than aggravated convictions involving high BAC, minors in the vehicle, or injury. Repeat-offense convictions push you into high-risk tiers with limited carrier availability.
What Affects Your Rate
- Conviction class drives rate variation — aggravated DUI with BAC over 0.15% increases rates 20–30% over standard first-offense DUI in Indiana.
- Time since conviction matters most after year one — rates drop 15–25% at the 1-year mark if you maintain continuous coverage without a lapse.
- Indianapolis zip codes see rates 10–15% higher than rural Indiana counties due to accident frequency and theft rates.
- Adding a second driver with a clean record can lower your per-driver rate by 10–20% if they are listed as the primary operator.
- Policy lapses restart your SR-22 filing period entirely — the Indiana BMV receives electronic notice within 24 hours and suspends your license immediately.
- Vehicle age and value affect comprehensive and collision premiums — financing a newer car with full coverage after a DUI can push your monthly rate above $300.
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Get Your Free QuoteCoverage Types
SR-22 Insurance
SR-22 is the state-mandated certificate proving you carry Indiana's minimum liability coverage. Your carrier files it electronically with the BMV, and any lapse in coverage triggers automatic license suspension.
Non-Owner SR-22
Non-owner SR-22 provides liability coverage when you drive but do not own a vehicle. Required for license reinstatement after DUI even if you sold your car or rely on borrowed vehicles.
Liability Insurance
Bodily injury and property damage liability are the only coverages legally required in Indiana. They pay the other party's costs when you cause an accident, but do not cover your own vehicle or injuries.
Uninsured Motorist Coverage
Uninsured motorist coverage pays your medical bills and lost income if you are hit by a driver with no insurance. Indiana law requires carriers to offer it, and you must reject it in writing.
Full Coverage
Full coverage adds comprehensive and collision to liability, covering damage to your own vehicle from accidents, theft, weather, and vandalism. Required by lienholders if you finance or lease.
