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What happens if I drive without insurance in Indiana?
My friend told me he doesn’t have liability car insurance, but he doesn’t seem all that concerned about it. What happens if he gets caught driving uninsured in Indiana?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Driving without insurance
is a severe crime, and you’re right to be worried, even if your friend isn’t. Indiana
drivers are required all drivers to meet the state minimum insurance requirements, and failing to do so could result in serious consequences, such as:- License suspension for a minimum of 90 days (and a subsequent license reinstatement fee of $250)
- A judgment of up to $10,000
- Potentialdriver violation points
Moreover, a second offense within five years will raise the charge to a Class C misdemeanor, which comes with a driver’s license suspension of one year, a jail sentence of up to 60 days, and a maximum $500 fine.
Besides the legal consequences, your friend risks significant financial peril by driving without
liability car insurance
:- They could be held personally liable for tens of thousands of dollars of out-of-pocket medical expenses, repair bills, and property damage in the event of an accident.
- Future car insurance rates are guaranteed to be pricey, as insurance companies will consider your friend a high-risk driver.
View full answer
- Gregory R.
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