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Indiana Car Insurance Guide

Getting car insurance can be a daunting task, especially in the Hoosier state, since the rates vary so drastically. At we are here to help you save time and money! We compiled this guide that lists everything you need to know so that you can easily get the car insurance plan that fits your personal needs - at the lowest rate.

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Minimum Requirements

In Indiana, the car insurance minimum requirements are about average compared to other states. You must have the required car insurance to legally drive in Indiana and avoid any penalties. We have a list of the car insurance coverages required and their limits:


Bodily Injury Liability Coverage $25,000 per person and $50,000 per accident.
Property Damage Liability Coverage $25,000 per accident. 


Do I Need More Than Minimum Coverage?

Yes. The minimum car insurance requirements will not cover bodily injury or property damage to your vehicle if you are found to be at fault for an accident. The opposing party will be protected in an accident that is your fault but only up to your policy limits. Adding additional insurance coverages and upping your limits can save you from paying out-of-pocket for costs associated with an accident. 


Additional Coverages Available in Indiana 

We have provided a list of additional car insurance coverages in Indiana so you can see the benefits:

  • Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for. 

  • Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen. 

  • Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident. 

  • Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances. 

  • Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars. 

  • Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.


Teen Drivers in Indiana 

It is that time in a teenagers life where they reach another milestone- driving. In Indian at the age of 15 teens can start the process of getting a driver’s license by applying for a permit. This means as a parent or a guardian it is time to get car insurance for your teen driver. Just like other states, adding a teen driver to your insurance policy isn’t cheap. It isn’t cheap to get a teen driver their own policy either. Adding them to your existing policy is typically the best route. However, your premiums will go up substantially. There are discounts for teen drivers, so that is an upside. Check with your insurance agent for more details. For more information on the requirements of teen drivers in Indiana visit the Indiana Bureau of Motor vehicles.


Do You Have Multiple Drivers in Your Home?

There is certain information that you need to disclose to your car insurance agent, having multiple drivers in your household is one of them. Doing so can help you avoid any issues or unforeseen costs.

If you have a high-risk driver in your home and you want to exclude them from your car insurance policy you can do so. However, it is so important that you do not share your vehicle with them because they will be excluded from coverage. This means in the event of an accident all costs will be out-of-pocket.


Penalties for Driving Without Car Insurance 

The car insurance requirements for Indiana are not unreasonable requests. Therefore adhering to the requirements is relatively easy. However, if you are not in compliance there are harsh penalties. Here is a list of the penalties you could be looking at if you do not comply:

  • First Offense- You will pay a $250 reinstatement fee because your driver's license will be suspended for at least 90 days. You will be required to file an SR-22 certificate for three years.

  • Second Offense- You will pay a $500 reinstatement fee because your driver's license will be suspended for one year, your registration can also be suspended for one year. You will be required to file an SR-22 certificate for three years.

  • Third and Subsequent Offenses- You will pay a $1,000 reinstatement fee because your driver's license will be suspended for one year, your registration can also be suspended for one year. You will be required to file an SR-22 certificate for five years.


Savings on Car Insurance in Indiana

There are plenty of car insurance savings to go around in Indiana. The savings are dependent on the insurance company and what is available in your state. We encourage you to talk with your car insurance company and ask for a complete list of savings. Here are some common savings in Indiana:

  • Good Driver- Maintain a good driving record free of accidents, tickets, and any moving violations. 

  • Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance. 

  • Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.


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