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Indiana Auto Insurance: Minimum Coverage & Costs

Indiana requires 25/50/25 liability coverage — $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Minimum coverage in Indiana typically costs $45–$75/month, while full coverage with comprehensive and collision ranges from $140–$200/month based on available industry data.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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State Requirements

Indiana operates as a tort-based liability state, meaning at-fault drivers are financially responsible for damages they cause. All drivers must carry proof of financial responsibility — typically demonstrated through liability insurance — and police can verify coverage electronically through the INsure system maintained by the Indiana Bureau of Motor Vehicles. Driving without proof of insurance results in license suspension and reinstatement fees starting at $150, plus potential SR-22 filing requirements.

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$25,000 per person / $50,000 per accident
Bodily Injury Liability
Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. Indiana's 25/50 minimum is among the lowest in the nation and can be exhausted quickly — the average hospital ER visit in Indiana costs $2,800, and serious injuries from a collision easily exceed $100,000. If damages surpass your limit, you are personally liable for the difference, which can result in wage garnishment and asset seizure.
$25,000 per accident
Property Damage Liability
Pays for damage to other vehicles, buildings, or property you hit. The $25,000 minimum may not cover a totaled late-model vehicle — the average new car price in Indiana is approximately $48,000, and many SUVs and trucks exceed $60,000. Indiana law holds you personally responsible for any amount beyond your coverage limit.
Not required (but must be offered)
Uninsured Motorist Coverage
Indiana law requires insurers to offer uninsured and underinsured motorist coverage at limits matching your liability policy, but you can reject it in writing. Approximately 12% of Indiana drivers are uninsured — one of every eight vehicles on the road. If an uninsured driver causes an accident that injures you or totals your car, you have no coverage unless you purchased this optional protection or pursue a lawsuit against an often judgment-proof defendant.
Not required
Collision Coverage
Pays to repair or replace your vehicle after a crash, regardless of fault. Indiana does not require collision coverage, and it typically represents the largest portion of full coverage premiums. If your car is worth less than $3,000–$4,000, the annual cost of collision and comprehensive coverage may exceed the vehicle's actual cash value, making minimum liability a more cost-rational choice.
Not required
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, hail, deer strikes, and falling objects. Indiana ranks in the top 15 states for deer-vehicle collisions, with approximately 14,000 reported annually, particularly in rural counties. Comprehensive is optional unless required by a lienholder, and deductibles typically range from $250–$1,000.
State-Mandated Minimum Coverage · Indiana

Indiana Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$250

Meeting the state minimum keeps you legal. See whether it's enough — get your Indiana quote.

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Cost Overview

Indiana insurance costs are shaped by the state's high uninsured motorist rate, frequent deer collisions in rural areas, and urban theft concentrations in Indianapolis and Gary. Rates vary significantly by zip code — drivers in Marion County pay 30–50% more than those in rural counties due to higher accident frequency, theft, and uninsured claims.

What Affects Your Rate

  • Indianapolis drivers pay 35–50% more than state averages due to higher theft rates — Marion County reports over 4,000 vehicle thefts annually.
  • Gary and Lake County face elevated premiums due to concentrated theft and uninsured motorist claims, with rates 40–60% above rural Indiana.
  • Rural counties like Parke and Clay see lower premiums but higher comprehensive claims from deer collisions, which average $4,500 per incident.
  • Drivers under 25 pay approximately 60–90% more than those over 30, even with clean records, due to crash frequency statistics.
  • A single at-fault accident raises premiums by an average of 30–50% for three to five years in Indiana.
  • Credit-based insurance scores significantly impact rates in Indiana — drivers with poor credit pay 50–80% more than those with excellent credit for identical coverage.
Minimum Coverage
$45–$75/mo
State-required 25/50/25 liability only. No coverage for your own vehicle damage or medical bills. Best for older cars worth under $3,000 where collision and comprehensive premiums exceed the car's value.
Standard Coverage
$85–$130/mo
Increased liability limits to 50/100/50 or 100/300/100, plus uninsured motorist protection. Covers your legal exposure without paying for physical damage to your own vehicle.
Full Coverage
$140–$200/mo
Adds collision and comprehensive with a deductible, typically $500–$1,000. Required by lenders if you finance or lease. For paid-off vehicles, calculate whether annual premiums justify the car's replacement value.

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Coverage Types

Liability Insurance

The only coverage Indiana law requires. Pays for injuries and property damage you cause to others, but nothing for your own vehicle or medical bills. Indiana's 25/50/25 minimum leaves you personally liable for any damages beyond those limits.

Full Coverage

Combines liability with collision and comprehensive, covering damage to your own vehicle from accidents, theft, weather, and deer strikes. Only cost-justified if your car is worth enough that you cannot afford to replace it out-of-pocket.

Uninsured Motorist Coverage

Pays for your injuries and vehicle damage when an at-fault driver has no insurance or insufficient coverage. Indiana requires insurers to offer it, but you can decline in writing.

Collision Coverage

Pays to repair or replace your car after a crash, regardless of who caused it, minus your deductible. Not required unless you finance or lease.

Comprehensive Coverage

Covers theft, vandalism, hail, fire, and animal strikes. Indiana experiences significant deer-related claims, especially in southern and rural counties.

SR-22 Insurance

Not a coverage type but a state-required filing proving you carry at least minimum liability insurance after certain violations like DUI, driving without insurance, or accumulating excessive points.

Find Your City in Indiana

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Indianapolis

urban
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Fort Wayne

urban
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Evansville

urban
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South Bend

urban
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Carmel

suburban
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Bloomington

urban
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Hammond

urban
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Muncie

urban

Frequently Asked Questions

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