Car Insurance in Indiana: Requirements

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Required auto insurance in Indiana

Minimum liability insurance:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident*

*After July 1, 2018. Prior to this date, the property damage minimum is $10,000

This is often written as 25/50/25.

Minimum uninsured/underinsured motorist (UM/UIM) coverage:

  • Required at the minimum bodily injury limits, but you can reject in writing

Optional Indiana insurance

You must show an insurance ID card (or other proof of financial responsibility) when:

  • A pointable violation within a year of receiving two other pointable violations
  • A serious traffic violation, such as a misdemeanor or felony
  • Any pointable violation by a driver who was previously suspended for failing to show proof of insurance
  • Your vehicle is involved in a car accident in which the BMV requires an accident report

Penalties for not having car insurance in Indiana

  • First offense: Court may suspend the driver's license and/or registration for 90 days to one year
  • Subsequent offense within five years: suspension of driver's license for one year or more

Source: Property Casualty Insurers Association of America

Consumer complaints against the largest auto insurance companies in Indiana

The department of insurance in each state handles complaints against insurance companies that operate in the state. The National Association of Insurance Commissioners calculates a national "complaint ratio." This shows the number of complaints relative to a company's size. Here are complaint ratios for the largest car insurance companies in Indiana.

Indiana auto insurance complaints comparison

Updated May 1, 2018

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MORE: Additional Indiana Cities & Towns

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