Minimum Car Insurance in Indiana
The liability limits Indiana requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: A person may not operate a motor vehicle in Indiana unless financial responsibility is in effect for it. Indiana BMV, Proof of Financial Responsibility; Indiana Department of Insurance, Auto Insurance
| Minimum coverage required | A person may not operate a motor vehicle in Indiana unless financial responsibility is in effect for it. The minimum liability insurance is $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage (25/50/25). New auto liability policies must also include uninsured and underinsured motorist coverage unless rejected in writing. Organizations with a BMV-issued Certificate of Self-Insurance may self-insure. IDOI page: https://www.in.gov/idoi/consumer-services/types-of-insurance/auto-insurance/ |
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| At-fault or no-fault | Indiana is an at-fault (tort) state: bodily injury and property damage liability coverage pays, up to policy limits, for injuries and property damage you cause to others with your car, while medical payments coverage for your own injuries is optional. The Alabama Department of Insurance's national list places Indiana among the "Tort States." National list: https://aldoi.gov/consumers/StateAutoLaws.aspx |
| Uninsured motorist coverage | Each newly written Indiana auto liability policy must include uninsured and underinsured motorist coverage unless the policyholder rejects it in writing. The Department of Insurance lists minimum limits of $25,000/$50,000 for uninsured motorist bodily injury, $25,000 for uninsured motorist property damage, and $50,000 for underinsured motorist bodily injury. The statute (Ind. |
More Indiana car insurance & vehicle laws
- Driving Without Insurance in Indiana
- SR-22 Insurance in Indiana
- When a Car Is a Total Loss in Indiana
- Transferring a Car Title in Indiana
- All Indiana car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Indiana?
A person may not operate a motor vehicle in Indiana unless financial responsibility is in effect for it. The minimum liability insurance is $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage (25/50/25). New auto liability policies must also include uninsured and underinsured motorist coverage unless rejected in writing. Organizations with a BMV-issued Certificate of Self-Insurance may self-insure.
Is Indiana a no-fault car insurance state?
Indiana is an at-fault (tort) state: bodily injury and property damage liability coverage pays, up to policy limits, for injuries and property damage you cause to others with your car, while medical payments coverage for your own injuries is optional. The Alabama Department of Insurance's national list places Indiana among the "Tort States."
Is uninsured motorist coverage required in Indiana?
Each newly written Indiana auto liability policy must include uninsured and underinsured motorist coverage unless the policyholder rejects it in writing. The Department of Insurance lists minimum limits of $25,000/$50,000 for uninsured motorist bodily injury, $25,000 for uninsured motorist property damage, and $50,000 for underinsured motorist bodily injury.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.