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Indiana law dictates the minimum requirements for insurance coverage that all drivers must carry. All drivers in Indiana must hold 25/50/25, which includes bodily injury per person, bodily injury per accident, and property damage per accident. Additionally, drivers can pick from a long list of additional coverages for added protection.
Quick Facts
Car insurance is required by law in Indiana.
Drivers in Indiana must carry 25/50/25 for bodily injury and property damage.
If caught driving uninsured, drivers face at least $250 in fines.
Minimum Car Insurance Requirements in Indiana
The minimum car insurance requirements in Indiana[1] are:
$25,000 for bodily injury liability per person
$50,000 for bodily injury liability per accident
$25,000 for property damage liability per accident
Indiana is an at-fault or tort state. This means if you cause a car accident, you’ll pay for the other drivers’ damages. If someone else is held responsible, however, they’ll cover your damages.
Since Indiana has modified comparative negligence laws, if you’re 50 percent or more at fault, you won’t be able to collect damages from the other driver. On the flip side, if you’re less than 50 percent at fault, you can collect damages minus the percentage that you ’re at fault.
Why is car insurance required in Indiana?
Auto insurance protects drivers from financial liability in the event of an accident. Depending on a policy’s specific coverage limitations, car insurance may cover everything from vehicle damage to medical bills.
Bodily Injury Liability
Bodily injury liability is part of your liability car insurance coverage. If you cause an accident, this coverage will help cover the other party’s medical expenses. This type of coverage will not cover your own medical expenses for injuries sustained in a car accident you caused. Bodily injury liability coverage is required in Indiana.
Property Damage Liability
Property damage liability is the other half of your liability car insurance. It covers repair costs and damage expenses to the other cars involved in an accident you caused. This coverage does not cover damage to your own car in an accident you were at fault for. Property damage liability coverage is required in Indiana.
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Is state minimum car insurance enough in Indiana?
The minimum required car insurance coverage in Indiana provides drivers with a solid foundation of auto insurance coverage, but it may not be enough for everyone. Compared to other states, Indiana’s minimum requirements are low. You may want to invest in more coverage if you want to avoid high out-of-pocket costs after a catastrophic at-fault accident.
Optional Car Insurance Coverage for Indiana
Indiana drivers who want to be protected in any situation should consider bolstering the minimum car insurance coverage with the following supplemental car insurance coverages:
Collision Coverage
Collision coverage covers damages to your car after a collision with another vehicle or object. If your vehicle is a total loss, collision coverage will reimburse you for the actual cash value of your vehicle. This is a great addition to the required property damage liability coverage in Indiana, which applies only to the damages to the other driver’s vehicle.
Comprehensive Coverage
Complementing your collision coverage, comprehensive insurance covers damage to your vehicle that occurs during an event that is not a collision with another vehicle or object. This may apply in situations of vandalism, theft, weather damage, or a run-in with an animal. Adding comprehensive and collision coverage together creates a full-coverage car insurance policy.
Uninsured/Underinsured Motorist Coverage
If an uninsured (or underinsured) driver causes an accident and you suffer bodily injury, uninsured motorist coverage will cover your medical expenses. If the at-fault driver surpasses their bodily injury liability coverage limits, your underinsured motorist coverage will cover the rest of your medical expenses.
Other Supplemental Coverage
There are a number of other car insurance options you may want to consider. After an accident, medical payments coverage, or MedPay, can help pay for your and your passenger's medical expenses, regardless of who is at fault. It may cover health insurance deductibles and co-pays, doctor and hospital visits, X-rays, surgeries, and professional nursing services.
If your car is ever in the shop for accident-related repairs, rental car reimbursement may come in handy. It can reimburse you for a rental car or public transportation fare so you can get around. We can’t forget roadside assistance, which can be a real lifesaver if you run into an emergency situation on the road.
Minimum Requirements for High-Risk Drivers in Indiana
If you’re convicted of a high-risk traffic violation, like reckless driving, a hit-and-run, or a DUI, Indiana will require you to get an SR-22. Your insurance company will need to file a form with the state to confirm you have enough auto insurance to comply with the minimum requirements after you’ve committed a serious driving offense.
While insurance with an SR-22 is a lot like a standard car insurance policy, it’s more expensive to get. Depending on your car insurance company and the severity of your violation, you can expect to pay at least a few hundred dollars per year for insurance with an SR-22. You’ll likely need it for anywhere between three and five years.
Car insurance companies weigh different factors to determine what to quote drivers on their car insurance policies. Minimum coverage generally means lower car insurance rates. It also means low coverage limits, which may cost you if you’re ever involved in an accident. Here are the cheapest car insurance quotes for minimum coverage in Indiana.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
If you’re on the lookout for cheap car insurance coverage in Indiana, Insurify can help. Once you fill out a short online form, you’ll receive personalized quotes from the top car insurance companies. You’ll be able to compare car insurance quotes and make the best decision for your unique budget and needs.
Frequently Asked Questions
Is car insurance mandatory in Indiana?
Yes. Car insurance is required in Indiana. According to the Indiana Motor Vehicle Code, every driver must carry liability auto insurance of 25/50/25 for bodily injury per person, bodily injury per accident, and property damage per accident. Failure to obtain this coverage can lead to serious penalties.
Is Indiana a no-fault state?
No. Indiana is not a no-fault state. It’s an at-fault state that allows you to file a claim against the negligent driver’s insurance company. If you were responsible for an accident, you’d file a claim with your insurance provider to pay for the other driver’s damages. It’s important to note that you’d have to cover any expenses that exceed your policy limits out of pocket.
Does Indiana require uninsured motorist protection?
Uninsured motorist coverage is not required in Indiana. If you don’t want it, you can reject the coverage in writing. However, to protect yourself from a car accident in which the other driver doesn’t have car insurance or doesn’t have enough coverage for the damage they caused, investing in uninsured motorist protection is a good idea.
Do you need car insurance to register a car in Indiana?
You will need proof of car insurance to register a vehicle in Indiana. In addition, the state will require a completed Form 205, your Indiana driver’s license, your Social Security number, proof of residency, and the original vehicle title. You’ll also need to pay titling and registration fees.
How can I find cheap car insurance in Indiana?
If you’re in search of cheap car insurance rates in Indiana, you can use Insurify to find them. This free tool makes it easy to comparecar insurance quotes. You can fill out a short online form and explore your options right away without having to sign up.
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
