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

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.

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.

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.

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.

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.

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.