Indiana Auto Insurance: Minimum Coverage & Costs

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. If damages surpass your limit, you are personally liable for the difference, which can result in wage garnishment and asset seizure.

Pays for damage to other vehicles, buildings, or property you hit. Indiana law holds you personally responsible for any amount beyond your coverage limit.

Indiana law requires insurers to offer uninsured and underinsured motorist coverage at limits matching your liability policy, but you can reject it in writing. 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.

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.

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.