Is state-minimum car insurance in Indiana enough?

I was shopping around for new car insurance, and I found that for just a few dollars more a month, I can significantly increase my liability coverage over the Indiana state minimum. However, I don't want to pay extra if I don't have to. Is minimum liability coverage enough?

Answer provided by
Eric Schad
Answered on Apr 22, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“Indiana has a state car insurance minimum of 25/50/25. This means that your liability insurance covers the following for other drivers if you’re at fault in an accident:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
While this may seem like a ton of coverage, it’s probably not enough in the event of a catastrophic collision or if you run into a luxury car. Most people opt for at least 100/300/100 coverage, which should cover most damage and limit your financial liability.”

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