Indiana Car Insurance Laws and Minimum Coverage Requirements
Indiana law mandates that all drivers have liability coverage. Read this guide on Indiana car insurance laws to learnt he minimum coverage requirements and limits.
Table of Contents
- Minimum requirements
- Is minimum enough?
- Optional coverage
- No insurance penalties
- Buying insurance
- FAQs
Load full table of contents
Indiana law requires all drivers to carry a minimum amount of liability coverage car insurance. Drivers in Indiana must also have
proof of insurance
on their person while driving. Indiana’s state-mandated limits for liability coverage follow a 25/50/25 pattern—meaning drivers must have $25,000 coverage in bodily injury per person, $50,000 coverage in bodily injury per accident, and $25,000 coverage in property damage per accident.
The insurance comparison and broker app
Jerry
, has compiled everything you need to know about the state's car insurance
laws. Jerry makes insurance comparison shopping hassle-free and easy—so you can find cheap car insurance in Indiana
quickly and easily.Here’s everything you need to know about Indiana’s car insurance laws.
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms · No fees, ever
Indiana auto insurance coverage requirements
Liability coverage
is required for all drivers in Indiana. Liability coverage is also the only car insurance required by law in Indiana (though your lender may require you to have more coverage if you're still paying off a car loan
).Here are Indiana’s minimum liability coverage limits:
Minimum liability coverage |
|---|
$25,000 in bodily injury per person |
$50,000 in bodily injury per accident |
$25,000 in property damage per accident |
Indiana's state-mandated car insurance limits
A "limit" is the maximum amount your insurance company will provide in each coverage category.
Indiana’s state-mandated limits are written as 25/50/25: $25,000 coverage in
bodily injury liability
per person, $50,000 coverage in bodily injury per accident, and $25,000 coverage in property damage liability
per accident. These limits are not high, so you should consider purchasing higher limits for your liability coverage.
For instance, let's say you are at fault in an accident where three other people are injured, each incurring $25,000 in medical bills ($75,000 in total for all three people). Indiana’s liability limits would only cover $50,000 in medical bills per accident, so you would be liable for the remaining $25,000.
Key Takeaway Indiana law requires all drivers to have liability insurance. When buying your liability coverage, you should purchase higher limits than the state’s mandated minimums.
Do Indiana’s required insurance minimums provide enough coverage?
Indiana’s required insurance minimums are extremely limited when compared to
minimum car insurance required in other states
. Indiana law only requires liability insurance, and according to the required insurance minimums, your own expenses will not be covered if you are ever in an at-fault accident. For comparison, many states also require personal injury protection (PIP) and uninsured/underinsured motorist coverage.
While you should consider purchasing higher limits than the required 25/50/25 liability limits, you should also look into additional
types of insurance
coverage for your car. Liability coverage won’t cover damages to your own vehicle in an at-fault accident. It also won’t cover your own medical bills—which could easily be thousands of dollars if you are in a serious collision.
For something like this, you should consider personal injury protection (PIP)—or one of the other options listed below.
Optional auto insurance coverage in Indiana
It’s a good idea to purchase optional car insurance coverage in Indiana since only liability coverage is required. Here are some optional types of coverage you can consider:
- Uninsured/underinsured motorist coveragecan cover your expenses if you get into a collision with an at-fault driver who doesn’t have insurance.
- Personal injury protection (PIP)covers your own healthcare expenses after an accident—regardless of who is at fault.
- Comprehensive coveragecan cover the costs of physical damages to your vehicle that are not the result of a collision (e.g. vandalism).
- Collision coveragecan help you cover the cost of repairs for your vehicle after a collision with another vehicle or fixed object.
- Medical payments (MedPay) coveragecovers the cost of medical bills or funeral expenses resulting from a collision.
- Towing and labor coverage(roadside assistance) helps with things like fixing flats, towing, or jump-starting a car. The type of coverage will vary between policies and companies.
- Rental car reimbursementwill cover the cost of a rental vehicle if you are unable to drive your car.
Key Takeaway Indiana’s minimum requirements for car insurance are limited—you’re best off purchasing additional car insurance coverage.
Penalties for driving without insurance in Indiana
Insurance is mandated in Indiana, so there are various penalties
if you're caught driving with no car insurance
or you're unable to provide proof of insurance
:Penalties for driving without proof of insurance in Indiana |
|---|
License suspension for 30 days to 1 year |
At least $250 in license reinstatement fees |
Possible SR-22 |
Remember—along with these legal penalties, driving without insurance can have huge financial consequences, as you’ll be liable for damages and medical expenses if you are at fault in an accident.
Jerry has everything you need to know about getting insured in Indiana, so that you can drive fully insured—and have fun while doing it.
Key Takeaway License suspensions and fees are some of the possible penalties for driving without proof of insurance in Indiana.
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms · No fees, ever
Where to buy car insurance in Indiana
No matter where you’re driving, comparison shopping is the best way to find the cheapest car insurance.
Jerry
does all the comparison shopping for you via a trustworthy insurance comparison app
: after gathering your information in less than a minute, Jerry brings you quotes from over 40 different insurance providers—you just have to browse and pick your policy. As a licensed broker, Jerry does the calls and paperwork for you, so you can get set with your new policy in-app—hassle-free and quicker than grocery shopping.
The average Jerry customer saves nearly $900 a year on
car insurance
—and it’s always completely free to use!"I had been putting off looking into a better car insurance rate because I dreaded the long forms, the disruptive calls, the endless process of getting quotes. I’m so glad to have foundJerry! They did it all for me. Switching was super easy. They did all the work, and they are saving me almost $50/month!" —Satisfied Jerry user
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms · No fees, ever
FAQs
What insurance is required in Indiana?
Liability insurance is the only type of insurance required in Indiana. Your policy must meet the 25/50/25 state-mandated limits: $25,000 coverage in bodily injury per person, $50,000 coverage in bodily injury per accident, and $25,000 coverage in property damage per accident.
Is it illegal to not have car insurance in Indiana?
Yes, it is illegal to drive without insurance or proof of insurance in Indiana. Indiana law requires that drivers have liability insurance.
RECOMMENDED
Saved $725 annuallySaved $834 annuallySaved $668 annually
Haven’t shopped for insurance in the last six months? There might be hundreds $$$ in savings waiting for you.
Judith switched to Progressive
Saved $725 annually
Alexander switched to Travelers
Saved $834 annually
Annie switched to Nationwide
Saved $668 annuallyCheck if you are overpaying for car insurance.
No phone calls. No long forms. Quotes from 50+ insurance companies.
Find insurance savings (100% Free)
4.7/5 Rating on App Store
Compare Car Insurance Quotes For Free
Jerry automatically shops for your insurance before every renewal. Members save $872/year.
Start saving money!
You might also be interested
