Indiana car insurance regulations are designed to ensure that drivers on the road are adequately protected in the event of accidents. With a focus on liability coverage, Indiana mandates specific minimum requirements for bodily injury and property damage liability insurance. Navigating Indiana's car insurance landscape involves understanding these regulations, available discounts, and state-specifc data to help guide your insurance buying process.
NOTE: These sample rates are based on drivers who own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
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Bodily injury liability coverage
$25,000 per person / $50,000 total per accident
Property damage liability coverage
$25,000 per accident
Source: Indiana Bureau of Motor Vehicles
Optional Car Insurance Coverage (varies by carrier)
- Collision coverage
- Comprehensive coverage
- Medical payments coverage
- Uninsured/underinsured motorist coverage
- & more. Be sure to ask your insurance agent.
Source: Autoinsurance.com
Frequently Asked Questions
No, Indiana is not a no-fault state. It follows a fault-based system for insurance claims, meaning the at-fault driver is responsible for covering damages.
Source: WalletHub
No, Personal Injury Protection (PIP) is not required in Indiana. Indiana follows a traditional fault-based system for auto insurance, where the at-fault driver is responsible for covering the medical expenses and other damages resulting from an accident.
Source: Alvarez Law
Uninsured motorist coverage is not required in Indiana, but insurers must offer UM coverage to the driver. A written rejection of the coverage is required if the driver does not want UM.
Source: Justia US Law
You Could Save Hundreds
SteadyDrive is your ticket to big savings on car insurance. We focus on your driving habits using telematics to track your behavior like speed, braking, and phone use. You can test-drive our app anonymously, with no impact on your current rate.
Download the free app, enroll in seconds, and watch the savings pile up as you drive safely.
SteadyDrive is not an insurer or an insurance agent or broker. SteadyDrive does not provide you with an insurance policy, so make sure that you have insurance coverage while you drive. Please contact your insurer or an insurance agent or broker (if applicable) directly regarding questions you may have pertaining to auto insurance coverage. For more details, see SteadyDrive’s Terms of Service.
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