Indiana Auto Insurance After Multiple Points
Indiana requires 25/50/25 liability coverage and is an at-fault state.
Get My Point-Reduction Insurance QuoteIndiana 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, meaning the at-fault driver's insurance pays for damages. The Indiana Bureau of Motor Vehicles requires proof of financial responsibility at registration and after certain violations. Indiana uses a demerit point system: 18 points in 24 months triggers suspension for most drivers, dropping to 12 points for habitual violators under Indiana Code 9-30-10-4.
Liability Insurance
Uninsured Motorist Coverage
High-Risk Auto Insurance
Collision Coverage
Comprehensive 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
- Violation recency: citations within the past 12 months carry heavier weight than points from 18-24 months ago, even if both remain on the BMV record.
- Defensive driving completion: Indiana-approved courses remove 4 points once every 3 years, applied within 30 days of course completion certificate filing with the BMV.
- Carrier tolerance: State Farm and Allstate typically non-renew after 14+ points, while Progressive and GEICO continue coverage with surcharge through the suspension and reinstatement period.
- Vehicle value: financed vehicles requiring collision and comprehensive see compounded premium increases because violations surcharge every coverage component except comprehensive.
Find Coverage While Your Points Come Down
Get My Point-Reduction 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
How many points suspend your license in Indiana?
Indiana suspends your license at 18 demerit points accumulated within 24 months under Indiana Code 9-30-10-4. Habitual violators face suspension at 12 points. Each violation assigns points based on severity: speeding 15+ over assigns 4 points, reckless driving assigns 6 points, following too close assigns 4 points.
Can you remove points with defensive driving in Indiana?
Indiana allows one defensive driving course every 3 years to remove 4 demerit points from your record. You must complete an Indiana BMV-approved course and file the certificate with the BMV within 30 days of completion. The 4-point credit applies within 30 days of filing and reduces your premium at the next renewal.
Does Indiana require SR-22 after a points suspension?
Indiana does not require SR-22 filing for points-threshold suspension alone. SR-22 is required only if the specific violation that contributed to your point total was reckless driving, street racing, or excessive speed under Indiana Code 9-25-5. The Indiana BMV will send written notice if SR-22 is required for your case.
How long do points stay on your Indiana driving record?
Indiana demerit points remain on your BMV record for 2 years from the conviction date. The 18-point suspension threshold looks at points accumulated within any 24-month rolling window. Points older than 2 years do not count toward suspension thresholds, but the underlying violation remains on your record for insurance pricing purposes for 3-5 years depending on severity.
Coverage Types
Liability Insurance
Pays for injuries and property damage you cause to others. Indiana's 25/50/25 minimum exhausts in most serious collisions.
High-Risk Auto Insurance
Coverage for drivers with violations or suspensions. Does not require SR-22 filing unless the specific violation statute mandates it.
Uninsured Motorist Coverage
Covers your medical bills and lost wages when an uninsured driver hits you. Indiana does not mandate it but approximately 15% of drivers carry no coverage.
Multi-Violation Driver Insurance
Standard-market coverage priced for drivers with multiple moving violations before suspension. Not a separate product—marketed label for high-tolerance underwriting.
Collision Coverage
Pays for damage to your vehicle regardless of fault. Required by lienholders on financed vehicles.
Comprehensive Coverage
Covers theft, vandalism, weather, and animal strikes. Indiana ranks in the top 15 states for deer collisions.