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Indiana car insurance

Indiana Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Indiana mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times. Alternatively, drivers can cover themselves with cash deposit - not less than $40,000 – or a vehicle liability bond filed with the Indiana DMV.

Drivers caught without insurance will have their licenses suspended for 90 days and will need to provide a $150 reinstatement fee. A second offense carries a 90-day suspension in addition to a $225 fee. A third offense carries a 90-days suspension and $300 fee.

Violating Indiana auto insurance laws twice in one year brings a one-year suspension.

Indiana Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Indiana they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $10,000

Indiana Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Indiana requires insurance companies to include underinsured as well as uninsured motorist coverage unless otherwise expressly rejected in writing by the insured.

Indiana sets their minimum UM/UIM amounts at $50,000 if one elects for coverage.

No Fault Insurance
In Indiana, you are not required to carry no-fault insurance. Indiana is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.