Insurance
Car Insurance in Indiana
Published September 24, 2026 · Last updated October 1, 2026
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What Indiana requires
Indiana's minimum is 25/50/25:
- $25,000 for injuries to one person
- $50,000 for injuries to everyone in one crash
- $25,000 for damage to other people's property
That's liability only. It pays for damage you cause to others. It doesn't fix your own car or pay your own medical bills.
Coverage you get unless you say no
Indiana insurers must include these on your policy. You can only drop them by rejecting them in writing:
| Coverage | Amount included | What it pays for |
|---|---|---|
| Uninsured motorist bodily injury | $25,000 / $50,000 | Your injuries when an uninsured driver is at fault |
| Uninsured motorist property damage | $25,000 | Damage to your car from an uninsured driver |
| Underinsured motorist bodily injury | $50,000 | Your injuries when the at-fault driver's limits are too low |
About 14% of Indiana drivers were uninsured in 2023. That's roughly one in seven. Rejecting this coverage saves a little each month, but it can cost a lot after one crash with a driver who has no insurance.
When the BMV asks for proof
Indiana checks insurance after the fact. Showing your card to a police officer isn't enough. That information doesn't go to the BMV. Instead, the BMV mails you a request to prove you were insured on the date of the incident.
The BMV sends these requests after:
- a crash the BMV gets a report for
- a moving violation with points within one year of two others
- a serious traffic violation, such as a misdemeanor or felony
- any points violation if you were suspended before for not proving insurance
It can also ask at any time.
What to do: call your insurance company. It files a Certificate of Compliance with the BMV electronically. The BMV must receive it within 90 days of mailing the request, or your license is suspended.
If you're caught without insurance
| Offense (since Jan. 1, 2015) | Reinstatement fee |
|---|---|
| First | $250 |
| Second | $500 |
| Third or more | $1,000 |
On top of the fee, your license can be suspended for 90 days up to 1 year.
To get your license back after an insurance suspension, Indiana may require an SR-22. Your insurer files it with the BMV. For insurance suspensions, you have to keep the SR-22 for 180 days in a row. If it lapses, your license is suspended again.
What Indiana insurers can use to set your price
Unlike some states, Indiana lets insurers use a wide range of factors, including:
- your age, sex, and marital status
- your credit
- your driving record and claims history
- your car and where you keep it
- your deductibles
- whether you've taken a driver training course
Because every company weighs these differently, quotes for the same driver can vary a lot. That's one reason to compare.
If no company will insure you
If you've been turned down, you can get coverage through the Indiana Auto Insurance Plan. It spreads high-risk drivers among the insurers in the state. It usually costs more, but it keeps you legal while you build a better record.
Car insurance in Indianapolis
Indianapolis drivers follow the same state rules. City driving usually means more traffic, more claims, and higher prices than in rural counties. When you compare, keep the limits, deductibles, and uninsured motorist choices the same on every quote.
Not a quote or an offer. Your price comes from the insurance company.
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The catch: Indiana's low average price makes minimum coverage tempting. But 25/50/25 won't cover a serious crash, and any amount above your limits can come out of your pocket. Ask each company what higher limits, like 100/300/100, would add to your price.
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Related services
Own a home in Indiana? See Indiana homeowners insurance. Need to file proof of insurance after a suspension? See SR-22 insurance.
More car insurance guides: Car insurance cost · SR-22 insurance · High-risk car insurance · Liability-only car insurance · Car insurance for teens · How to lower car insurance · What affects your auto insurance price · What comprehensive covers · Car insurance without a car · Umbrella insurance · All car insurance
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Sources
- NAIC auto insurance data (2023), via Insurance Information Institute
- Indiana Department of Insurance, Auto insurance
- Indiana BMV, Proof of financial responsibility
- Indiana BMV, Common traffic violations (insurance suspensions and fees)
- Insurance Information Institute, Uninsured motorists (IRC 2023 data)