120+ more*Quotes generated for Insurify users from Indiana within the last 10 days. Last updated on June 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Indiana within the last 10 days. Last updated on June 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Updated
Coverage  | Minimum Requirement in Indiana |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist bodily injury liability | $25,000 per person/$50,000 per accident |
| Uninsured motorist property damage liability | $25,000 per accident |
| Underinsured motorist bodily injury liability | $50,000 per accident |
Indiana auto insurance requirements are the same as or higher than those of neighboring Illinois and Ohio. All three are at-fault states, meaning the driver who causes an accident is responsible for damages.
Nearby Kentucky is a no-fault state that requires drivers to carry personal injury protection (PIP) coverage. PIP helps pay for your medical expenses and lost wages after a car accident, regardless of who is at fault.
Let’s take a closer look at Indiana’s financial responsibility requirements.
Indiana’s minimum insurance requirements include at least $25,000 per person and $50,000 per accident in bodily injury liability coverage.[1] These liability limits are close to the minimum requirements in many Midwest states but lower than in some coastal states, such as Maine and Michigan.
Bodily injury liability insurance covers injuries you cause to other people in a car accident. It pays medical bills, lost wages, and your legal fees if someone sues you — but only up to your policy limits.
Drivers in Indiana must carry at least $25,000 in property damage liability coverage. Those coverage limits are the same as or higher than those in most states.
Massachusetts, Michigan, and North Carolina are the only states with higher property damage requirements.
Property damage liability insurance pays for damage you cause to another person’s vehicle or property. For example, if you slide on ice and hit an SUV and a mailbox, your insurance pays to repair both.
Indiana car insurance laws require insurance companies to offer uninsured (UM) and underinsured motorist (UIM) coverage in the same amounts as liability coverage. But you can reject UM/UIM insurance in writing.
UM coverage helps pay for damages if someone hits your car but doesn’t have insurance. UIM coverage can kick in if the other driver doesn’t have enough liability insurance to cover your vehicle’s damage.
While Indiana’s minimum liability coverage requirements satisfy state laws, they may not provide enough financial protection after a serious accident. Medical bills, vehicle repairs, and legal costs can quickly exceed the state’s 25/50/25 liability limits.
Indiana’s at-fault insurance system places financial responsibility on the at-fault driver. Injured parties can sue for damages.
Below are the recommended coverage levels for most Indiana drivers.
Coverage Type | Indiana Minimum | Recommended Coverage for Most Drivers |
|---|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident | $100,000 per person/$300,000 per accident |
| Property damage liability | $25,000 per accident | $100,000 per accident |
| Uninsured/underinsured motorist | $25,000/$50,000 unless rejected in writing | $100,000/$300,000 |
Indiana insurance laws don’t require comprehensive and collision coverage, but your lender likely will if you finance or lease your vehicle. Lenders usually require full coverage to protect their financial investment because it pays for damage to the vehicle regardless of who is at fault.
Once you’ve paid off the car, you can choose to keep collision and comprehensive coverage or cancel it. Keep in mind that a full-coverage policy helps protect you financially against severe weather, animal strikes, and at-fault collisions.
If you can’t afford to repair or replace your car out of pocket, consider keeping full coverage.
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Indiana drivers pay an average of $65 per month for a state-minimum liability insurance policy. Because Indiana’s minimum coverage requirements are lower than those in many states, minimum-coverage policies are typically more affordable.
But lower limits also create more financial risk after a serious auto accident. For example, if you cause a multi-vehicle crash in Indianapolis that injures several people and damages multiple cars, you could be personally responsible for costs that exceed your policy limits.
Drivers can also sue you after an accident you cause. While your liability coverage helps pay for legal expenses, including settlements or judgments, it covers only up to your policy limits. Choosing higher liability limits may increase your premiums now, but it could save you significant money later.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $35 |
| State Farm | $36 |
| Progressive | $39 |
| USAA | $39 |
| GEICO | $40 |
| First Chicago | $41 |
| National General | $47 |
| Direct Auto | $51 |
| American Family | $54 |
| First Acceptance | $56 |
| The General | $57 |
| Trexis | $58 |
| Hugo | $59 |
| Safeco | $59 |
| AssuranceAmerica | $61 |
| Dairyland | $61 |
| Root | $62 |
| Trexis One | $62 |
| GAINSCO | $64 |
| Liberty Mutual | $69 |
| Elephant | $72 |
| Travelers | $72 |
| Mendota | $73 |
| Bristol West | $76 |
| CSAA | $76 |
| Farmers | $76 |
| Allstate | $86 |
| Insurify Car | $92 |
| Nationwide | $95 |
| State Auto | $179 |
The Indiana Bureau of Motor Vehicles (BMV) may require proof of insurance after an auto accident or moving violation. Your insurer must file an electronic Certificate of Compliance with the BMV.
If you don’t comply within 90 days of the mailed request, the BMV will suspend your driving privileges until you do.
You may need to provide an SR-22 form to regain your driving privileges. An SR-22 is proof that you meet the state’s minimum insurance requirements. Once your insurer submits an SR-22, you’ll have your driving privileges reinstated.
After your coverage has been in force for 180 consecutive days, the BMV will lift your suspension.
Indiana insurance agents offer coverage through the Indiana Auto Insurance Plan to drivers rejected by at least one insurance company.[2] Insurers may deny you coverage if you’ve had a suspended license, you’ve had multiple accidents, or you have several traffic violations on your driving record.
In Indiana, it’s illegal to drive without car insurance that meets the state’s minimum amount of liability coverage. Once you’ve had your driving privileges reinstated, you’ll have to pay a reinstatement fee, which varies depending on how many no-insurance suspensions you’ve had:
First offense: $250
Second offense: $500
Third and subsequent offenses: $1,000
You can waive the reinstatement fees by maintaining SR-22 insurance continuously for 180 days. If your insurer sends the BMV an SR-26 (SR-22 insurance cancellation form) as notice of the auto insurance policy’s cancellation, the BMV will resuspend your license and reinstate the fees until it receives an SR-22 or you pay the fee.
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The following optional coverages can help protect you and your finances in Indiana:
Medical payments coverage: If you don’t have health insurance or have a high deductible, medical payments coverage helps pay your medical bills after an accident, even if you aren’t at fault.
Uninsured motorist coverage: About 14% of Indiana drivers don’t have insurance, and 13% of the collisions in 2024 were hit-and-runs.[3] Uninsured motorist coverage helps cover your damages if you have an accident with an uninsured driver or a driver who leaves the scene.
Roadside assistance: If you travel Indiana’s long rural highways, you could find yourself with a broken-down vehicle far away from the nearest service station. Roadside assistance can provide help with towing, flat tires, dead batteries, fuel delivery, and vehicle lockouts.
Rental car reimbursement: Almost 78% of Indiana households have at least two cars. But if you don’t have an extra vehicle, rental reimbursement helps pay for a rental car while your vehicle receives repairs after a covered claim.
See answers below to common questions about Indiana car insurance requirements.
Although Indiana doesn’t require drivers to have UM/UIM coverage, insurers must offer it. This coverage helps pay for your damages after an accident if the other driver is uninsured or doesn’t have enough liability coverage to pay for your medical expenses.
Indiana is an at-fault state, which means the at-fault driver’s liability coverage typically pays for injuries after a car accident. If the at-fault driver is uninsured or underinsured, your Medical Payments (MedPay) or uninsured motorist coverage can help pay your medical expenses.
Driving without insurance in Indiana can lead to license suspension and reinstatement fees of up to $1,000. You may also need to file an SR-22 with the Indiana BMV proving you meet the state’s minimum coverage requirements, which may include a filing fee.[4]
Insurers offer discounts based on factors like the type of car you drive and your driving record. Comparing quotes, bundling policies, being a safe driver, and installing anti-theft devices that reduce theft risk and vandalism can help lower your car insurance costs in Indiana.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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