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Indiana Auto Insurance Requirements & Rates

Indiana requires 25/50/25 liability coverage and is an at-fault state.

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Indiana at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

Indiana operates as a tort state, meaning the at-fault driver's insurance pays for damages after an accident. All drivers must carry proof of financial responsibility and present it to law enforcement or the Bureau of Motor Vehicles upon request. Indiana uses the SR-50 form to verify insurance compliance and suspends registration for drivers who fail to maintain continuous coverage, according to the Indiana Department of Insurance.

Bodily Injury Liability

Covers medical expenses, lost wages, and legal fees when you injure someone in an at-fault accident. Indiana courts allow injured parties to pursue your personal assets if damages exceed your policy limits.

Property Damage Liability

Pays for damage to other vehicles, buildings, fences, or property you hit. Indiana does not require collision coverage for your own vehicle, even if you're at fault.

Uninsured Motorist Coverage

Covers your injuries and vehicle damage when hit by a driver with no insurance. Insurers must offer this coverage, but you can decline it in writing.

Underinsured Motorist Coverage

Protects you when the at-fault driver's liability limits are too low to cover your medical bills or vehicle repairs. This coverage fills the gap between their policy limit and your actual costs.

Cost Overview

about $77/mo

Average car insurance spending in Indiana

Rate data: NAIC Auto Insurance Database, 2023

What Affects Your Rate

  • Gary, Hammond, and South Bend show elevated rates due to proximity to Chicago metro traffic patterns and increased vehicle theft along the I-80/90 corridor.
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Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Indiana's minimum 25/50/25 limits are among the lowest in the region and haven't increased since 1976, leaving drivers vulnerable to lawsuits.

Full Coverage

Combines liability, collision, and comprehensive coverage to protect both your financial responsibility and your vehicle. Required by lenders if you finance or lease your car.

Comprehensive Coverage

Pays for damage to your vehicle from theft, vandalism, hail, deer strikes, and weather events. Does not cover collisions with other vehicles or objects.

Uninsured Motorist Coverage

Steps in when you're hit by a driver with no insurance or insufficient coverage. Covers your medical bills, lost income, and vehicle repairs up to your policy limits.

Collision Coverage

Pays to repair or replace your vehicle after a collision with another car, object, or rollover, regardless of fault. Subject to your chosen deductible.

SR-22 Insurance

Not a separate policy but a certificate proving you carry state-required coverage. Required after DUI, reckless driving, or driving uninsured in Indiana.

Find Your City in Indiana

Indianapolis

urban

Fort Wayne

urban

Evansville

urban

South Bend

urban

Carmel

suburban

Bloomington

urban

Hammond

urban

Muncie

urban