Car insurance · Indiana
Car insurance requirements in Indiana
Liability minimum 25/50/25. Claims system: fault-based claims.
Verified summaryAll Indiana insurance topics
Requirements
Minimum car insurance requirements in Indiana
| 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 |
What the law requires you to carry
- 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
Uninsured drivers
Uninsured motorist coverage in Indiana
Included on newly written policies unless you reject it in writing: $25,000 / $50,000, with underinsured motorist at $50,000.
- 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.
Optional coverage
Coverage you can add in Indiana
- Uninsured motorist (included unless rejected in writing)
- Underinsured motorist (included unless rejected in writing)
- Collision
- Comprehensive
- Medical payments
Penalties
Penalties for driving without insurance in Indiana
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.
Good to know
Other things to know in Indiana
- 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.
Contacts
Who to contact in Indiana
- 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.
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Indiana.
Home insurance resources and the health marketplace for Indiana are on its overview page.