Indiana Minimum Auto Insurance Requirements for 2024 (What IN Drivers Need)
Indiana's minimum auto insurance requirements are 25/50/25, which covers $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. On average, car insurance in Indiana costs around $32 per month, but you could save even more by comparing quotes from multiple providers.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Nov 20, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Indiana drivers must meet minimum auto insurance requirements of 25/50/25 for bodily injury liability and property damage, with average rates around $32 per month.
As is true with many other states, Indiana has a minimum car insurance requirement that drivers must comply with. This requirement is designed to help drivers comply with the financial responsibility law, which makes you responsible for all damages and expenses you create while operating your vehicle.
Indiana Minimum Auto Insurance Coverage Requirements & Limits
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
While many drivers will purchase the minimum amount of auto insurance required by the state, other Indiana drivers opt for additional coverage.
Compare car insurance quotes to find the best policy for your needs. Enter your ZIP code into our free rate comparison tool above to begin.
- Indiana drivers are required by law to carry 25/50/25 auto insurance coverage
- Some auto lenders may have additional requirements that drivers must meet
- Failure to comply with the state’s insurance laws could result in severe penalties
Indiana Minimum Coverage Requirements & What They Cover
So, what is the minimum car insurance required in Indiana? Indiana drivers are required to have the following minimum car insurance coverage:
- $25,000 for property damage liability insurance
- $25,000 for bodily injury per person and $50,000 per accident
- Uninsured coverage that matches the limits of your liability insurance
The costs of these minimum coverage policies vary from state to state.
These auto insurance requirements should be met in most cases, but there are instances when other requirements may apply.
Read More: Why does auto insurance vary from state to state?
For example, if you use your vehicle for commercial or other special purposes, you may need to meet other auto insurance requirements established by Indiana law.
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Cheapest Car Insurance in Indiana
Indiana drivers can get cheap car insurance from USAA, Geico, and Progressive. USAA is the cheapest, with rates starting from just $15 monthly. See how USAA’s rates compare to other insurance providers in our review of USAA auto insurance.
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Min. Coverage in Indiana
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A.M. Best Rating
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19,116 reviews
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Min. Coverage in Indiana
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsSince rates can vary depending on your location, check out the table below to see what’s typical in your area.
Indiana Min. Coverage Auto Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Bloomington | $112 |
| Carmel | $108 |
| East Chicago | $191 |
| Evansville | $137 |
| Fishers | $111 |
| Fort Wayne | $125 |
| Gary | $194 |
| Indianapolis | $164 |
| Lafayette | $115 |
| South Bend | $130 |
Looking at the table, you can see how insurance rates differ across cities in Indiana. For example, East Chicago and Gary have some of the highest rates, with monthly premiums around $191 and $194, respectively. On the other hand, cities like Carmel and Fishers tend to be more affordable, with average rates around $108 to $111.
Indianapolis, the state capital, has a higher average rate of $164, which is typical for larger urban areas. See our ranking of the best Indianapolis, Indiana, auto insurance to get the most competitive rates in the city.
Penalties for Driving Without Insurance in Indiana
Driving without insurance in Indiana can come with serious consequences. Since the state requires all drivers to carry minimum liability coverage, failure to comply can result in fines and penalties. If you’re caught driving without insurance, here’s what you can expect:
- Fines: The first offense can lead to a fine of up to $1,000. For repeat offenders, the fine can increase significantly.
- License Suspension: Your driver’s license may be suspended for up to a year, and you’ll need to pay a reinstatement fee once you get insurance coverage.
- Vehicle Registration Suspension: Your vehicle registration can be suspended, so you won’t legally drive your car until you get the proper insurance and pay the fees.
- Court Appearance: You may also be required to appear in court, where you might face additional penalties or be ordered to pay restitution.
- SR-22 Auto Insurance Requirement: An SR-22 form proves that you have the required insurance coverage, and you’ll need to maintain it for a few years, which can cost a lot.
Driving without insurance in Indiana will put you at risk of facing these penalties and also exposes you to the financial burden of covering damages or medical bills out-of-pocket if you’re involved in an accident.
The best way to avoid all these inconveniences is to stay insured and keep yourself covered.
Other Coverage Options to Consider in Indiana
The basic minimum coverage may not be enough to protect you fully. Here are other types of auto insurance coverage you might want to consider:
- Personal Injury Protection (PIP) Auto Insurance: Indiana drivers can choose to obtain medical payment coverage. This type of coverage pays for your own medical expenses after an accident up to the coverage limit.
- Collision Auto Insurance: Your vehicle may also be damaged or destroyed in an accident, and this type of coverage pays for your car’s replacement or repair work. However, it only pertains to damage caused by a collision. Many car lenders require you to have collision or comprehensive insurance at least until the loan balance is paid off.
- Comprehensive Auto Insurance: As is the case with collision auto insurance, comprehensive insurance pays for your vehicle’s repair work or replacement, and this coverage is effective for losses caused by theft, a collision with an animal, a fire, bad weather, and more.
- Uninsured and Underinsured Motorist Coverage: If you are involved in an accident where the other party flees the scene or are affected by an uninsured or underinsured motorist, this coverage may provide you with financial benefits for your own expenses. Indiana requires drivers to have this type of coverage (Read More: Best Uninsured and Underinsured Motorist (UM/UIM) Coverage).
Keep in mind that both the coverage type and coverage limit are important details of your policy. The insurance company will only pay benefits up to the coverage limit specified in the policy, so you need to ensure that your car insurance limits are high enough to meet your needs.
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Indiana Minimum Auto Insurance Requirements vs. Recommended Coverage
When you are preparing to shop around and find competitive auto insurance rates in Indiana, you can request quotes for the minimum amount of insurance required legally or for expanded coverage.
Read More: What is needed for adequate auto insurance coverage?
Be aware that any expenses not covered by your policy are still your responsibility. Overall, these greater coverages increase average rates across the nation.
Some local drivers are concerned about paying high out-of-pocket costs after an accident. This is a prime reason why many drivers in this state choose to buy more than the minimum coverage required by Indiana auto insurance laws or by their auto lender.
Getting Your Auto Insurance in Indiana
Shopping around for rate quotes is a great way to identify potential savings on your car insurance policy in Indiana. Before you shop for new auto insurance in this state, you need to determine how much coverage you want to buy.
Remember that you may need to comply with state requirements and lender requirements, and you may also opt to purchase more than these requirements.Michelle Robbins Licensed Insurance Agent
Requesting online quotes is a smart idea, but you do not want to rush around and request quotes from just any providers. Instead, look for providers that are financially solid and that have a great reputation in the industry. Read our guide, “How to Get Free Online Auto Insurance Quotes,” to learn more.
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Some drivers will keep their auto insurance coverage in place for years, but you may be able to identify savings on your coverage if you try to shop around every six months.
Compare car insurance quotes today for free using our free comparison tool below. You might be surprised by how much you could save on the coverage you need.
Frequently Asked Questions
What are the minimum auto insurance requirements in Indiana?
What is Indiana state minimum auto insurance coverage? Indiana minimum car insurance requirements are as follows:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured Motorist Coverage: $25,000 per person and $50,000 per accident
- Underinsured Motorist Coverage: $50,000 per person and $50,000 per accident
Is it illegal to drive without insurance in Indiana?
Yes, it’s illegal to drive without insurance in Indiana. You must have at least the minimum required insurance coverage to drive a vehicle legally.
What is Bodily Injury Liability coverage?
Bodily Injury Liability coverage covers medical expenses, lost wages, and legal costs if you injure someone in an accident. The minimum coverage required in Indiana is $25,000 per person and $50,000 per accident.
What is Property Damage Liability coverage?
Property Damage Liability coverage pays for damages to someone else’s property caused by you in an accident. In Indiana, the minimum coverage required is $25,000 per accident.
What is Uninsured Motorist Coverage?
Uninsured Motorist Coverage protects you if you are injured by a driver who doesn’t have insurance. It covers your medical expenses, lost wages, and other damages. The minimum required coverage in Indiana is $25,000 per person and $50,000 per accident.
How much is car insurance in Indiana?
What is the average cost of auto insurance in Indiana? Car insurance in Indiana usually costs about $32 a month on average, but it depends on factors like your driving history, the car you drive, and the coverage you need. Read more about the factors that affect auto insurance rates in our guide.
What is Underinsured Motorist Coverage?
Underinsured Motorist Coverage kicks in when the at-fault driver’s insurance cannot cover your damages. It helps pay for medical expenses, lost wages, and other damages. The minimum coverage required in Indiana is $50,000 per person and $50,000 per accident.
Are the minimum requirements in Indiana enough coverage?
The minimum requirements in Indiana are the legally mandated minimums. While they fulfill the state’s requirements, they may not provide adequate protection in all situations. It’s recommended to consider higher coverage limits to better protect yourself financially in an accident.
What happens if I drive without insurance in Indiana?
Driving without insurance in Indiana can result in penalties and consequences, including fines, license suspension, and potential legal liabilities if you are involved in an accident. Always have the required insurance coverage to comply with Indiana car insurance laws.
What is considered full coverage auto insurance in Indiana?
Indiana’s full coverage insurance requirements include liability insurance, which is required by law, and additional coverage, such as collision and comprehensive insurance.
What is the basic vehicle insurance coverage in Indiana?
In Indiana, the bare minimum car insurance required by law includes liability coverage: $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage.
What is SR-22 insurance in Indiana?
SR-22 insurance is not a type of insurance but rather a certificate your insurance company fills out to prove you carry the state-required minimum liability coverage. It’s often required after serious driving violations, like a DUI or driving without insurance. Learn how to get cheap SR-22 auto insurance in our comprehensive guide.
How long do you need an SR-22 in Indiana?
In Indiana, you’re typically required to maintain an SR-22 for three years if it’s mandated due to violations like driving under the influence of alcohol or drugs (DUI), driving without insurance, or other serious offenses. Be careful not to let your coverage lapse during this time, or you might have to start the three years all over again.
Is Indiana a no-fault state?
No, Indiana is not a no-fault state. It operates under an at-fault system, meaning the driver who caused the accident is responsible for covering the damages, either through their insurance or out-of-pocket. This is different from no-fault accidents, where each driver’s insurance covers their own costs regardless of fault. That is why having adequate liability coverage is so important.
If you’re looking for coverage to drive legally in Indiana, enter your ZIP code below to compare cheap auto insurance quotes near you.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
