Indiana DUI SR-22 Insurance After a Conviction
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
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.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate
Uninsured Motorist Coverage
What Drivers Pay in Indiana
$282–$310/mo
Typical monthly rate in Indiana, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Policy lapses restart your SR-22 filing period entirely — the Indiana BMV receives electronic notice within 24 hours and suspends your license immediately.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf 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
Frequently Asked Questions
How long do I need SR-22 filing after a DUI in Indiana?
Indiana requires SR-22 filing for 3 years after a DUI conviction, measured from your conviction date, not your license reinstatement date. If your coverage lapses at any point during those 3 years, the Indiana BMV restarts the entire filing period from the date you refile.
Will my current insurance company file SR-22 after a DUI in Indiana?
Most mainstream carriers like State Farm, Geico, Allstate, and Progressive will file SR-22 for existing customers after a DUI, but they typically non-renew your policy at the end of your current term. New DUI SR-22 policies generally require non-standard carriers like Bristol West, The General, Safe Auto, or Dairyland.
Does Indiana SR-22 filing period start from conviction date or reinstatement date?
Indiana's 3-year SR-22 filing period begins on your DUI conviction date, not your license reinstatement date. If you delay reinstatement by 6 months, your filing obligation still ends 3 years from conviction, not 3 years from when you filed SR-22.
Can I remove SR-22 early if I complete DUI probation in Indiana?
No, Indiana requires the full 3-year SR-22 filing period regardless of whether you complete probation, DUI education, or other court requirements early. The filing period is set by state law and cannot be shortened by the court or the BMV.
Coverage 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.