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

Drivers in Indiana must meet the minimum car insurance 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 operates under an at-fault system, meaning the driver who is responsible for an accident is also responsible for covering the damages.

The cost of meeting the state minimum for car insurance varies, but Indiana drivers can find policies at an average monthly premium of just $30. You can compare options and find the cheapest car insurance in Indiana, which matches your needs.

In Indiana, the law requires you to carry minimum coverage auto insurance to legally operate a vehicle. 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 versus no-fault — can significantly influence your insurance premium. Indiana is a fault state, meaning that the driver who is found to be 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 is a factor that influences the cost of minimum coverage car insurance. In Indiana, younger drivers, specifically those aged 22 to 29, tend to face the highest premiums due to their relative inexperience behind the wheel, which is statistically linked to more frequent accidents. The table provided outlines the average cost for minimum coverage car insurance in Indiana by age group.

In Indiana, you can find cost-effective minimum coverage auto insurance from Auto-Owners and Westfield; these have the most affordable rates.

• Auto-Owners: $238 per year and $20 per month
• Westfield: $285 per year and $24 per month

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

In Indiana, available optional add-on coverages include comprehensive, collision, uninsured/underinsured motorist coverage, medical payments and roadside assistance. These options provide financial protection against a variety of 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 lead to 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.

Always 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 who specialize in high-risk policies or consider the Indiana Auto Insurance Plan. In Indiana, it's mandatory to maintain at least the state minimum coverage.

Here, we provide clear answers to commonly asked questions about the mandatory coverage needed to drive in Indiana.