Indiana Minimum Coverage Car Insurance: Requirements and Costs (October 2024)

Drivers in Indiana must meet the state minimum coverage requirements, which include bodily injury liability of $25,000 per person and $50,000 per accident and property damage liability of $25,000 per accident. Indiana follows an at-fault system, meaning the driver who causes the accident pays for the damage.

The cost of meeting Indiana’s minimum car insurance requirements varies, but drivers can find policies for an average of $34 per month. Compare options to find the cheapest car insurance in Indiana that fits your needs.

In Indiana, the law requires you to carry minimum coverage auto insurance to operate a vehicle legally. The coverage requirements are as follows:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident

The type of insurance system — fault vs. no-fault — can significantly influence your insurance premium. Indiana is a fault state, meaning that the driver found responsible for an accident is liable to pay for the bodily injuries and property damage resulting from the accident.

The table reflects Indiana's minimum car insurance requirements, including bodily injury and property damage coverage. Specific coverage details depend on an individual's policy terms and conditions.

Age affects the cost of minimum coverage car insurance. In Indiana, younger drivers, especially those aged 22 to 29, typically pay the highest premiums due to their higher risk and accident rates.

The table below shows Indiana's average cost of minimum coverage by age group and how rates change with age.

In Indiana, you can find cost-effective minimum coverage auto insurance from these companies:

• Westfield: $256 per year; $21 per month
• American Family: $320 per year; $27 per month

While affordability is important, you should search for the best car insurance in Indiana that meets your needs.

In Indiana, the available optional add-on coverages include comprehensive, collision, uninsured/underinsured motorist coverage, medical payments and roadside assistance. These options provide financial protection against various incidents beyond state minimum requirements. Understanding how much car insurance you need can ensure adequate protection for all drivers.

The cost of a ticket for driving without insurance in Indiana can vary significantly depending on whether it's your first offense or if you've been caught driving uninsured before. For a first offense, the penalties may include fines and a potential license suspension. Subsequent offenses often have harsher consequences, including higher fines and longer suspension periods.

• License suspension and reinstatement fee: Your driving privileges can be temporarily revoked, and you'll have to pay to get them back.
• Vehicle impoundment with associated fees: Your car could be taken away, and there are costs to retrieve it.
• Vehicle registration suspension: You might lose the right to legally have your car on the road.
• SR-22 requirement: You may have to provide proof of future financial responsibility for a specified duration.
• Up to six months in jail if uninsured in an accident: If you're in a collision while uninsured, serious legal consequences like jail time are possible.

Ensure your vehicle is insured to avoid these penalties and drive safely and responsibly.

If your car insurance policy is canceled in Indiana, it's essential to obtain new coverage immediately and refrain from driving until you're insured again. You should contact your insurance agent to understand why your policy was canceled and discuss your options for securing new coverage.

The Indiana BMV will be notified if you’re uninsured due to the state's electronic insurance reporting system. For drivers struggling to find insurance after a cancellation, Indiana does not directly offer a program to find minimum coverage auto insurance. However, you can research through various insurers specializing in high-risk policies or consider the Indiana Auto Insurance Plan. In Indiana, it's mandatory to maintain at least the state minimum coverage.

Get answers to common questions about the mandatory minimum coverage for car insurance in Indiana.