Indiana Minimum Auto Insurance Requirements for 2025 (What IN Drivers Need)

Indiana drivers must meet minimum auto insurance requirements of 25/50/25 for bodily injury liability and property damage, with average rates around $32 per month.

As is true with many other states, Indiana has a minimum car insurance requirement that drivers must comply with.  This requirement is designed to help drivers comply with the financial responsibility law, which makes you responsible for all damages and expenses you create while operating your vehicle.

Indiana Minimum Auto Insurance Coverage Requirements & Limits

While many drivers will purchase the minimum amount of auto insurance required by the state, other Indiana drivers opt for additional coverage.

Compare car insurance quotes to find the best policy for your needs. Enter your ZIP code into our free rate comparison tool above to begin.

Indiana Minimum Coverage Requirements & What They Cover

So, what is the minimum car insurance required in Indiana?  Indiana drivers are required to have the following minimum car insurance coverage:

• $25,000 for property damage liability insurance
• $25,000 for bodily injury per person and $50,000 per accident
• Uninsured coverage that matches the limits of your liability insurance

The costs of these minimum coverage policies vary from state to state.

These auto insurance requirements should be met in most cases, but there are instances when other requirements may apply.

Read More: Why does auto insurance vary from state to state?

For example, if you use your vehicle for commercial or other special purposes, you may need to meet other auto insurance requirements established by Indiana law.

Cheapest Car Insurance in Indiana

Indiana drivers can get cheap car insurance from USAA, Geico, and Progressive. USAA is the cheapest, with rates starting from just $15 monthly. See how USAA’s rates compare to other insurance providers in our review of USAA auto insurance.

Since rates can vary depending on your location, check out the table below to see what’s typical in your area.

Indiana Min. Coverage Auto Insurance Monthly Rates by City

Looking at the table, you can see how insurance rates differ across cities in Indiana. For example, East Chicago and Gary have some of the highest rates, with monthly premiums around $191 and $194, respectively. On the other hand, cities like Carmel and Fishers tend to be more affordable, with average rates around $108 to $111.

Indianapolis, the state capital, has a higher average rate of $164, which is typical for larger urban areas. See our ranking of the best Indianapolis, Indiana, auto insurance to get the most competitive rates in the city.

Penalties for Driving Without Insurance in Indiana

Driving without insurance in Indiana can come with serious consequences. Since the state requires all drivers to carry minimum liability coverage, failure to comply can result in fines and penalties. If you’re caught driving without insurance, here’s what you can expect:

• Fines: The first offense can lead to a fine of up to $1,000. For repeat offenders, the fine can increase significantly.
• License Suspension: Your driver’s license may be suspended for up to a year, and you’ll need to pay a reinstatement fee once you get insurance coverage.
• Vehicle Registration Suspension: Your vehicle registration can be suspended, so you won’t legally drive your car until you get the proper insurance and pay the fees.
• Court Appearance: You may also be required to appear in court, where you might face additional penalties or be ordered to pay restitution.
• SR-22 Auto Insurance Requirement: An SR-22 form proves that you have the required insurance coverage, and you’ll need to maintain it for a few years, which can cost a lot.

Driving without insurance in Indiana will put you at risk of facing these penalties and also exposes you to the financial burden of covering damages or medical bills out-of-pocket if you’re involved in an accident.

The best way to avoid all these inconveniences is to stay insured and keep yourself covered.

Other Coverage Options to Consider in Indiana

The basic minimum coverage may not be enough to protect you fully. Here are other types of auto insurance coverage you might want to consider:

• Personal Injury Protection (PIP) Auto Insurance: Indiana drivers can choose to obtain medical payment coverage. This type of coverage pays for your own medical expenses after an accident up to the coverage limit.
• Collision Auto Insurance: Your vehicle may also be damaged or destroyed in an accident, and this type of coverage pays for your car’s replacement or repair work. However, it only pertains to damage caused by a collision. Many car lenders require you to have collision or comprehensive insurance at least until the loan balance is paid off.
• Comprehensive Auto Insurance: As is the case with collision auto insurance, comprehensive insurance pays for your vehicle’s repair work or replacement, and this coverage is effective for losses caused by theft, a collision with an animal, a fire, bad weather, and more.
• Uninsured and Underinsured Motorist Coverage: If you are involved in an accident where the other party flees the scene or are affected by an uninsured or underinsured motorist, this coverage may provide you with financial benefits for your own expenses. Indiana requires drivers to have this type of coverage (Read More: Best Uninsured and Underinsured Motorist (UM/UIM) Coverage).

Keep in mind that both the coverage type and coverage limit are important details of your policy. The insurance company will only pay benefits up to the coverage limit specified in the policy, so you need to ensure that your car insurance limits are high enough to meet your needs.

Indiana Minimum Auto Insurance Requirements vs. Recommended Coverage

When you are preparing to shop around and find competitive auto insurance rates in Indiana, you can request quotes for the minimum amount of insurance required legally or for expanded coverage.

Read More: What is needed for adequate auto insurance coverage?

Be aware that any expenses not covered by your policy are still your responsibility. Overall, these greater coverages increase average rates across the nation.

Some local drivers are concerned about paying high out-of-pocket costs after an accident. This is a prime reason why many drivers in this state choose to buy more than the minimum coverage required by Indiana auto insurance laws or by their auto lender.

Getting Your Auto Insurance in Indiana

Shopping around for rate quotes is a great way to identify potential savings on your car insurance policy in Indiana. Before you shop for new auto insurance in this state, you need to determine how much coverage you want to buy.

Requesting online quotes is a smart idea, but you do not want to rush around and request quotes from just any providers. Instead, look for providers that are financially solid and that have a great reputation in the industry. Learn how to get free online auto insurance quotes.

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Some drivers will keep their auto insurance coverage in place for years, but you may be able to identify savings on your coverage if you try to shop around every six months.

Compare car insurance quotes today for free using our free comparison tool below. You might be surprised by how much you could save on the coverage you need.