State guide
Insurance in Indiana
Required coverage, penalties, official contacts and sources for Indiana, reviewed 2026-10.
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Car insurance
What Indiana requires.
Liability minimum 25/50/25. Claims system: fault-based claims.
| Coverage | Requirement in Indiana |
|---|---|
| Bodily injury liability | $25,000 for one person / $50,000 for two or more people |
| Property damage liability | $25,000 per accident |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Included on newly written policies unless you reject it in writing: $25,000 / $50,000, with underinsured motorist at $50,000 |
Required coverage
- Bodily injury or death of one person: at least $25,000
- Bodily injury or death of two or more people in one accident: at least $50,000
- Property damage in one accident: at least $25,000
- Proof of financial responsibility received electronically from your insurer
Other coverage commonly available
- Uninsured motorist (included unless rejected in writing)
- Underinsured motorist (included unless rejected in writing)
- Collision
- Comprehensive
- Medical payments
If you drive without required coverage
According to the BMV's driver manual, Indiana law requires the BMV to impose driving privilege suspensions and financial penalties on motorists found to be uninsured. Proof must be received electronically from your insurer within 90 days of the BMV's request to verify financial responsibility, or your driving privileges will be suspended.
Notices
What to know in Indiana.
- The Department of Insurance states that each newly written Indiana auto liability policy must include uninsured and underinsured motorist coverage unless you reject it in writing. Uninsured motorist limits are $25,000 / $50,000 for injury and $25,000 for property damage, and underinsured motorist injury limits are $50,000.
- If you are turned down by an insurance company, you can apply for the Indiana Auto Insurance Plan through any insurance agent in Indiana.
- A Certificate of Compliance is filed by your insurance agent after an accident or traffic violation. It goes to the Bureau of Motor Vehicles, not the Department of Insurance.
- The Department of Insurance does not set auto rates.
- After a suspension for failing to provide proof, the BMV requires your insurer to file an SR22 and keep it in place for 180 days, according to the driver manual.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Indiana Department of Insurance
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Department of Insurance publishes consumer guides by type of insurance and is the state authority for questions about insurers, agents and complaints.
Health insurance
HealthCare.gov
HealthCare.gov (federal marketplace)
- Indiana residents use the federal marketplace, HealthCare.gov. Indiana is not on CMS's list of state-based exchanges.
- Confirm current enrollment dates and eligibility for financial help on HealthCare.gov.
Contacts
Who to contact.
- Indiana Department of Insurance
- Website: in.gov/idoi
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
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