Indiana Probationary License Insurance & Coverage
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 traditional tort liability system. The Indiana Bureau of Motor Vehicles requires proof of financial responsibility through continuous SR-22 filing during your Probationary License period, typically three years following a DUI conviction. All probationary license holders must maintain active IID installation and monitoring throughout the suspension term.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured Motorist Coverage
Ignition Interlock Device Compliance
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
- IID compliance record — carriers review monthly IID reports; violations or failed starts increase rates at renewal or trigger non-renewal.
- Credit-based insurance score — Indiana allows credit scoring; poor credit combined with probationary status can double the base rate.
Find Coverage for a Probationary License
Get My Probationary 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
How long does the Indiana Probationary License last after a DUI?
Indiana Bureau of Motor Vehicles issues probationary licenses for periods ranging from 180 days to several years depending on the number of prior DUI convictions and whether you refused chemical testing. First-offense DUI with IID installation typically results in 180 days minimum probationary period. Second or subsequent DUI convictions extend the probationary term to 1–5 years. Your SR-22 filing requirement typically lasts three years from the conviction date, which often extends beyond the probationary license term itself.
Can I remove the SR-22 requirement early in Indiana?
No — Indiana Bureau of Motor Vehicles sets SR-22 filing duration based on your conviction, typically three years from the conviction date. You cannot petition for early removal. The SR-22 requirement ends automatically on the specified date if you maintain continuous coverage throughout the entire period. If you move out of Indiana during your SR-22 term, the requirement follows you — you must maintain SR-22 filing in your new state for the remainder of the Indiana-imposed term.
Coverage Types
Probationary License Insurance Requirements
Indiana probationary license holders must maintain SR-22 filing and continuous coverage for the entire probationary period. Any lapse triggers automatic notification to the Indiana Bureau of Motor Vehicles, extending your probationary term and potentially re-suspending your license.
Ignition Interlock Device Coverage
IID installation is mandatory for all DUI-related probationary licenses in Indiana. The device must remain installed and monitored monthly for the full suspension period. Your insurance carrier receives monthly violation reports directly from the IID provider.
High-Risk Auto Insurance
Non-standard carriers specialize in probationary license and post-DUI coverage. They price policies based on violation severity and time since conviction. Most require higher liability limits than the state minimum as a condition of writing the policy.
Uninsured Motorist Coverage
Protects you if you are hit by a driver without insurance. Indiana does not require this coverage, but approximately 15% of Indiana drivers are uninsured. Some non-standard carriers include it automatically on probationary policies.
Full Coverage for Financed Vehicles
Combines liability, collision, and comprehensive coverage. Required by lenders if you finance or lease a vehicle. Protects your car if you cause an accident or experience theft, vandalism, or weather damage during your probationary period.