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

Q: Do you need comprehensive insurance in Indiana?

Indiana doesn’t legally require comprehensive insurance . However, protecting against non-collision incidents like theft, vandalism or weather damage is recommended. It’s essential if you have a newer car or are leasing or financing, as lenders often require it.

Indiana's minimum coverage liability limits are 25/50/25. The average minimum car insurance costs $407 annually, or about $34 monthly, for a 40-year-old driver.

By Mark Fitzpatrick

Reviewed by Mark Friedlander

Edited by Nica Gonzales-Villaraza

Updated: December 10, 2024

Advertising & Editorial Disclosure

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.

TABLE OF CONTENTS

Indiana Minimum Coverage Requirements
Average Cost of Minimum Coverage Car Insurance in Indiana
Cheapest Companies in Indiana for Minimum Coverage
Add-On Coverages in Indiana
Penalties for Driving Without Insurance in Indiana
FAQ

Why Trust MoneyGeek? MoneyGeek analyzed data from Quadrant Information Services and the Indiana Department of Insurance to get the most accurate cost data for various Indiana drivers.

These rates reflect the cost of minimum coverage car insurance requirements in Indiana as of December 2024.

39,388Quotes Analyzed

13Companies Compared

64ZIP Codes

Indiana Minimum Coverage Car Insurance Requirements

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.

ARE COLLISION AND COMPREHENSIVE COVERAGE REQUIRED IN INDIANA?

Indiana doesn't mandate drivers to carry collision or comprehensive coverage as part of its minimum coverage auto insurance requirements. However, financing or leasing companies typically require these coverages. Collision insurance covers damage to your car from accidents, while comprehensive insurance protects against non-collision events, such as theft or natural disasters. If you're financing or leasing a vehicle in Indiana, you'll likely need to secure collision or comprehensive insurance.

What Does Minimum Coverage Cover?

What Liability Insurance Covers	What Liability Insurance Doesn't Cover
Injuries to others if you're at fault in an accident	Your injuries
Damage to another person’s property if you're at fault in an accident	Damage to your car
Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy	Repairs for weather-related accidents or if you were hit by an animal
	Property damage caused by uninsured or underinsured drivers unless additional coverage is purchased

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.

Average Cost of Minimum Coverage Car Insurance in Indiana

Age affects the cost of minimum coverage car insurance. In Indiana, drivers in the 22 to 29 age group face the highest premiums, as insurers view them as higher risk due to less driving experience.

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


22-29	$481	$40
30-59	$407	$34
60 +	$414	$34

Cheapest Companies for Minimum Coverage Car Insurance in Indiana

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.

Data filtered by:Results filtered by:

Age Group

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Age Group:30-59


Westfield	$256	$21
American Family	$320	$27
Auto-Owners Insurance Co	$335	$28
Progressive	$341	$28
Travelers	$353	$29
GEICO	$381	$32
Indiana Farm Bureau	$418	$35
State Farm	$429	$36
Nationwide	$430	$36
Grange Insurance	$461	$38
Allstate	$546	$45
Farmers	$619	$52

Optional Add-On Coverages in Indiana

In Indiana, 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.

Add-On Coverage	What It Covers	What It Doesn't Cover
Uninsured/Underinsured Motorist Coverage	Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance	Damage to your vehicle if you're at fault or damage that exceeds policy limits
Personal Injury Protection (PIP)	Medical expenses, lost income and funeral costs for you or your passengers regardless of who's at fault	Vehicle damage or injuries to the other driver
Roadside Assistance	Services like towing, flat tire changes and jump-starts when your car breaks down	Cost of parts or repairs needed after the tow
Gap Insurance	Pays the difference between your car's current value and what you still owe if it's totaled or stolen	Vehicle depreciation or overdue loan payments
Rental Car Reimbursement	The cost of a rental car while your vehicle is being repaired after a covered event	Fuel, insurance or other rental extras
Collision Coverage	Repairs to your car after an accident, regardless of fault	Damage due to theft, vandalism or natural disasters
Comprehensive Coverage	Repairs to non-collision damage from events like theft, fire or hail	Damage from a collision or personal injuries
Towing and Labor Coverage	Towing and basic roadside assistance labor costs at the site of your vehicle's breakdown	More extensive repairs needed at a garage
Custom Parts and Equipment Coverage	Safeguards aftermarket enhancements like custom wheels or stereo systems	Original parts that came with your vehicle
Accidental Death Coverage	Offers a payout if you or a passenger dies or experiences certain injuries in a car accident	Non-accidental death or injuries
Classic Car Insurance	Agreed-upon values for your unique vehicle, tailored for vintage or collector cars	Regular use like your daily commute

Penalties for Driving Without Insurance in Indiana

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. 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.

What to Do if Your Policy Is Canceled

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.

WHY WAS MY POLICY CANCELED?

Your car insurance policy in Indiana may have been canceled for a few reasons:

Non-Payment: If you don't pay your premiums on time, the insurance company can cancel your coverage.
License Suspension: If your driver's license gets suspended, you lose your eligibility for car insurance.
Fraud: Lying on your insurance application or about a claim can lead to cancellation.
Too Many Accidents or Traffic Violations: This can make you a high-risk driver, and the insurer might not want to cover you.

Remember, you must have minimum coverage to drive legally in Indiana. If your policy is canceled, you should find new insurance promptly to avoid penalties.

FAQ: Indiana Minimum Coverage Car Insurance

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

What is the minimum car insurance coverage in Indiana?

In Indiana, the minimum car insurance requirements are $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability per accident. This minimum coverage ensures that drivers can pay for damage or injuries they may cause to others in an accident.

Why does Indiana require minimum automobile liability coverage for motorists?

Indiana requires minimum coverage auto insurance to ensure drivers can pay for damage or injuries they cause in an at-fault accident. This protects at-fault drivers from overwhelming costs and compensates victims for property damage or medical expenses.

Do you need comprehensive insurance in Indiana?

Indiana doesn’t legally require comprehensive insurance. However, protecting against non-collision incidents like theft, vandalism or weather damage is recommended. It’s essential if you have a newer car or are leasing or financing, as lenders often require it.

What happens if you drive uninsured in Indiana?

Driving without insurance in Indiana can result in serious penalties like fines, license suspension and vehicle impoundment. For a first offense, you may face a fine of up to $250 and a 90-day license suspension. Penalties for repeat offenses are more severe, with fines up to $1,000, longer suspensions, and the requirement to file an SR-22 certificate for three years, which can greatly increase your premiums.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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