Updated June 2026
What Is Non-Standard Auto Insurance?
Non-standard auto insurance covers drivers classified as high-risk by traditional carriers due to license suspensions, DUI or DWI convictions, multiple at-fault accidents, or significant coverage lapses. These policies often come with higher premiums and may require proof of financial responsibility through SR-22 filings. Indiana suspended license holders typically need non-standard coverage to meet reinstatement requirements, even if they don't currently own a vehicle.
- You were convicted of DUI in Indiana and your license was suspended for 90 days. To reinstate, you need SR-22 filing for three years. A non-standard policy with state minimum liability ($25,000/$50,000/$25,000) plus SR-22 runs approximately $215/month. Without the DUI, the same coverage would cost around $95/month. The $120 monthly surcharge reflects the elevated risk classification that lasts until your SR-22 period ends.
- Your license was suspended for unpaid tickets and you don't own a car. Indiana requires you to carry continuous insurance for six months before reinstatement. A non-owner non-standard policy provides liability coverage when you borrow or rent vehicles and satisfies the state's insurance mandate. Cost typically runs $140–$180/month, compared to $60–$80/month for a non-owner policy with a clean record.
Who Needs Non-Standard Auto Insurance?
You need non-standard insurance if your license is suspended and Indiana requires proof of insurance for reinstatement. This includes DUI convictions, accumulating 18 or more points in 24 months, driving without insurance, or failing to appear in court for traffic violations. Non-owner policies are specifically designed for suspended drivers who don't own vehicles but must satisfy continuous coverage mandates.
Read your suspension notice to determine if SR-22 filing is required. If yes, non-standard insurance is mandatory. If you don't own a car, request a non-owner policy quote. If you do own a vehicle and need full coverage for a loan, expect premiums 140–180% higher than standard rates for the SR-22 period.
How Much Does Non-Standard Auto Insurance Cost?
Non-standard auto insurance in Indiana typically adds $180–$320/month depending on violation severity, required coverage limits, and SR-22 filing duration.
- Suspension cause: DUI violations carry higher surcharges than administrative suspensions for unpaid fines or lapses
- SR-22 filing requirement: policies requiring SR-22 cost $15–$25 more per month for the filing itself, plus the elevated risk premium
- Coverage gap length: lapses longer than 30 days trigger higher rates and may require full premium upfront
- Vehicle type: older vehicles requiring only liability coverage cost less than financing requirements demanding full coverage
- ZIP code: Indianapolis and Fort Wayne areas show 18–22% higher non-standard rates than rural counties due to claim frequency