Indiana Auto Insurance Rates & Requirements 2025
Indiana requires 25/50/25 liability coverage and is an at-fault state.
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Indiana at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Indiana operates as a tort-based liability state, meaning at-fault drivers are financially responsible for damages they cause. The state requires all drivers to carry proof of financial responsibility, typically satisfied through liability insurance. The Indiana Bureau of Motor Vehicles enforces compliance through the Indiana Financial Responsibility Law, and failure to maintain coverage results in license suspension and reinstatement fees.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Underinsured Motorist Coverage
SR-22 Certificate
Cost Overview
about $77/mo
Average car insurance spending in Indiana
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Winter weather contributes to elevated comprehensive claims: Indiana averages 25–35 inches of snow annually in northern counties, increasing animal collision and weather-related damage claims.
- The state's tort system means liability claims settle through litigation more often than in no-fault states, contributing to higher bodily injury claim costs and insurer legal expenses.
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredFrequently Asked Questions
Is Indiana a no-fault state for car insurance?
No, Indiana is a tort-based liability state. The at-fault driver is financially responsible for damages they cause, and injured parties can sue for amounts exceeding policy limits. This makes higher liability coverage particularly important—the 25/50/25 state minimum leaves you personally liable for excess damages. Indiana does not require personal injury protection (PIP) like no-fault states.
Coverage Types
Liability Insurance
The foundation of Indiana's financial responsibility requirement, covering bodily injury and property damage you cause to others. Given the state's tort system, consider limits of 100/300/100 or higher to protect personal assets from lawsuit judgments.
Full Coverage
Combines comprehensive and collision coverage with liability, uninsured motorist, and often medical payments or PIP. Protects both your vehicle and your liability exposure in Indiana's tort environment.
Comprehensive Coverage
Covers non-collision damage to your vehicle: theft, vandalism, hail, animal strikes, and falling objects. Required by lenders on financed vehicles and valuable for drivers in areas with elevated weather or wildlife risk.
Collision Coverage
Pays to repair or replace your vehicle after an accident with another car or object, regardless of fault. Works with your deductible ($250–$1,000) to cover damage minus your out-of-pocket amount.
Uninsured/Underinsured Motorist Coverage
Steps in when an at-fault driver has no insurance or insufficient limits to cover your medical bills, lost wages, and vehicle damage. Indiana insurers must offer this coverage, and you must decline it in writing.
SR-22 Insurance
Not a separate policy but a certificate proving you carry at least minimum liability coverage, filed by your insurer with the Indiana BMV. Required for three years after DUI, reckless driving, or driving without insurance convictions.