Auto Insurance FAQs for High-Risk Drivers in Anderson, Muncie, and Indianapolis, IN

If you’ve faced license issues, serious traffic violations or insurance lapses, navigating auto insurance can feel overwhelming. At McBee Insurance Agency, we help high-risk drivers understand their coverage options and how to get back on track. Here are some frequently asked questions to help clarify the process.

Do I Need an SR-22 in Indiana, and How Does It Affect My Auto Insurance?

An SR-22 is a form your insurer files to confirm you carry the state’s minimum liability coverage. You may be required to file an SR-22 after certain violations, such as DUI, reckless driving or driving without insurance. SR-22 requirements typically trigger higher premiums.

Can I Still Get Car Insurance with a Suspended License in Anderson, Muncie, and Indianapolis, IN?

In most cases, yes. However, the policy may be limited until your license is reinstated. You may be able to purchase a policy that fulfills state requirements (including SR-22 filing) or offers coverage for someone else driving your vehicle. Once your license is active again, you can update the policy.

What Driving Violations Make Me a High-Risk Driver in Indiana?

You may be considered high-risk if you have multiple speeding tickets, at-fault accidents, DUI convictions, license suspensions or major moving violations. High-risk drivers may pay more for coverage, but options are still available.

Can I Get Full Coverage Auto Insurance as a High-Risk Driver?

Yes, but it costs more than liability-only policies. Full coverage typically includes liability, collision and comprehensive insurance. If you lease or finance a vehicle, the lienholder typically requires full coverage auto insurance.

What Happens If I Let My Auto Insurance Lapse in Indiana?

A lapse in coverage can lead to higher rates, reinstatement fees and potential SR-22 requirements. Even a short gap may signal increased risk to insurers. It is best to maintain continuous coverage. Speak with an agent about your options before canceling a policy.

How Can I Improve My Driving Record?

Time and safe habits make the biggest difference. Avoid new violations, keep insurance active and consider taking a defensive driving course. Some insurers offer discounts or program eligibility after several years of clean driving.

McBee Insurance Agency helps drivers across Anderson, Muncie, and Indianapolis, IN, including high-risk and SR-22 customers, find appropriate auto insurance. Contact us to request a quote or review your options.