Updated May 2026
Minimum Coverage Requirements in Indiana
Indiana operates a fault-based liability system and requires all drivers to carry minimum 25/50/25 liability coverage. The state calls its hardship program Specialized Driving Privileges (SDP), administered by the Indiana Bureau of Motor Vehicles (BMV) for administrative suspensions and by county circuit courts for criminal suspensions. Indiana requires continuous SR-22 filing for the duration of your suspension, and most SDP petitions take 15–30 days to process after filing.
How Much Does Car Insurance Cost in Indiana?
Indiana SR-22 insurance costs significantly more than standard policies because most SDP applicants have a recent suspension or OWI on record. Rates vary based on suspension cause, age, county, and whether you own a vehicle.
What Affects Your Rate
- OWI convictions increase premiums 180–250% in Indiana for the full 3-year SR-22 period.
- Marion County (Indianapolis) and Lake County (Gary) SR-22 rates run 15–25% higher than rural counties due to crash frequency and uninsured driver rates.
- Drivers under 25 with SR-22 filing pay an additional 40–60% surcharge on top of the suspension penalty.
- Lapse in SR-22 coverage triggers immediate BMV notification and SDP revocation, requiring a new $150 application and 15–30 day reprocessing.
- Non-standard carriers like The General, Direct Auto, and Acceptance write most Indiana SR-22 policies; standard carriers like State Farm and Allstate rarely accept suspended drivers.
Get insured and start your reinstatement process today
Compare carriers that file SR-22 in your state and work with suspended license drivers.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer directly with the Indiana BMV. Required for all SDP license holders.
Non-Owner SR-22
Liability coverage with SR-22 filing for drivers who don't own a vehicle. Meets Indiana's requirement to reinstate or maintain SDP eligibility.
Liability Insurance
Covers medical bills and property damage you cause to others. Indiana requires 25/50/25 minimum, but SDP holders often carry higher limits.
Uninsured Motorist Coverage
Pays your medical bills and lost wages if you're hit by an uninsured or hit-and-run driver. Not required in Indiana but recommended.
Find Your City in Indiana
Sources
- Indiana Bureau of Motor Vehicles — Specialized Driving Privileges application requirements and fees
- Indiana Code Title 9 Article 30 Chapter 16 — suspension and restricted driving privileges statutes
- Indiana Department of Insurance — SR-22 filing requirements and liability minimum coverage