Suspended License Insurance — Indiana
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 is a tort state, meaning the at-fault driver's liability coverage pays for damages. The Indiana Bureau of Motor Vehicles requires proof of financial responsibility for reinstatement after most suspensions — either standard auto insurance with 25/50/25 minimums or an SR-22 certificate if your suspension was violation-related. Administrative suspensions for unpaid fees or child support require proof of insurance but not SR-22 filing.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate
Non-Owner SR-22
Uninsured Motorist Coverage
What Drivers Pay in Indiana
$194–$282/mo
Typical monthly rate in Indiana, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Your suspension length impacts rates — a 90-day administrative suspension for unpaid tickets costs less to insure than a 2-year DUI suspension, even though both require proof of insurance for reinstatement.
- Carriers offering Indiana SR-22 filings include Progressive, The General, Bristol West, Dairyland, and National General — standard carriers like State Farm and Allstate write fewer suspended-license policies.
Get Insured and Get Your Indiana License Back
Get My Indiana Suspended License Insurance QuoteIf 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
Do I need insurance if my Indiana license is currently suspended?
It depends on your suspension type. If suspended for DUI, reckless driving, or excess points, Indiana requires you to maintain SR-22 liability insurance throughout your suspension period and for three years after reinstatement — the SR-22 clock starts at conviction, not reinstatement. If suspended for administrative reasons like unpaid tickets or child support, you don't need insurance during suspension but must show proof of coverage to reinstate.
How long does SR-22 filing last in Indiana?
The Indiana Bureau of Motor Vehicles requires three years of continuous SR-22 certification from your conviction date for DUI, reckless driving, and certain repeat violations. Any lapse in coverage during those three years triggers automatic BMV notification and re-suspends your license. The three-year period does not reset when you reinstate — it runs from the original conviction date.
Will my insurance company notify the BMV if I cancel my SR-22 policy?
Yes, immediately. Indiana law requires insurers to notify the Bureau of Motor Vehicles electronically within 24 hours of any SR-22 policy cancellation or lapse. The BMV then re-suspends your license and resets your three-year SR-22 requirement clock. This happens automatically — you receive no grace period and must refile SR-22 and pay reinstatement fees again.
Which insurance companies offer SR-22 filing in Indiana?
Progressive, The General, Bristol West, Dairyland, National General, and Acceptance Insurance write SR-22 policies in Indiana and file electronically with the BMV. Standard carriers like State Farm and Allstate write fewer suspended-license policies and may decline coverage immediately after suspension. Non-standard carriers specialize in high-risk drivers and typically offer same-day or next-day SR-22 filing.
Coverage Types
SR-22 Insurance
State filing proving you carry minimum liability coverage, required by the Indiana BMV after DUI, reckless driving, or repeat violations.
Non-Owner SR-22
Liability-only policy for drivers without a vehicle, satisfies Indiana reinstatement requirements and provides coverage when you borrow or rent cars.
Liability Insurance
Covers bodily injury and property damage you cause to others. Required for all Indiana drivers and the foundation of reinstatement-compliant policies.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when hit by a driver with no insurance or insufficient coverage.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers, including those with suspensions, DUIs, or multiple violations.