Indiana Auto Insurance Rates & Requirements
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 under a traditional tort liability system, meaning the at-fault driver is financially responsible for accident damages. The state requires all drivers to carry proof of insurance and mandates electronic verification through the Indiana Bureau of Motor Vehicles.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Underinsured Motorist Coverage
Cost Overview
about $77/mo
Average car insurance spending in Indiana
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Comprehensive claims spike in May and June during Indiana's severe weather season, particularly in counties south of Interstate 70
Check Your Rate Against the Market
Compare Auto Rates for FreeFrequently Asked Questions
Is Indiana a no-fault insurance state?
No, Indiana operates under a traditional tort liability system where the at-fault driver pays for accident damages. You can sue the responsible driver directly for medical bills, lost wages, and vehicle damage beyond their policy limits. This makes carrying liability coverage above the 25/50/25 minimum critical since you remain personally liable for damages exceeding your policy.
Does Indiana require SR-22 insurance?
Indiana requires SR-22 filing after DUI convictions, driving without insurance, causing accidents while uninsured, or accumulating excessive violations. The SR-22 is not insurance but a certificate your insurer files with the BMV proving you maintain required coverage for three years. If your policy lapses or cancels during the SR-22 period, the BMV suspends your license immediately and restarts the three-year requirement.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Indiana's tort system means you're personally liable for damages exceeding your policy limits, making higher limits essential.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist protection in one package. Protects both your vehicle and your financial assets in accidents regardless of fault.
Comprehensive Coverage
Pays for vehicle damage from theft, vandalism, hail, falling objects, flooding, and animal strikes. Protects against non-collision incidents that liability and collision policies exclude.
Collision Coverage
Repairs or replaces your vehicle after accidents with other vehicles or objects, regardless of who caused the crash. Required by lenders if you finance or lease your vehicle.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an at-fault driver has no insurance or flees the scene. Functions as your own liability coverage when the other driver lacks proper insurance.
SR-22 Insurance
A certificate of financial responsibility your insurer files with the Indiana BMV to prove you carry required coverage. Not a separate insurance policy but a filing attached to your existing policy.