Indiana Car Insurance Requirements, Laws, and Quotes

Drivers License
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All Indiana drivers must carry auto insurance if they get behind the wheel.

This article shares what insurance minimums you must carry. The article also covers the repercussions of not having it. And, provides IN insurance quotes if you’re shopping for coverage in Indiana.

The Indiana Car Insurance Requirements and Minimums

Indiana requires the following required auto insurance coverage:

  • Bodily Injury Liability Coverage: $25,000 per person / $60,000 per accident
  • Property Damage Liability Coverage: $10,000 per accident
  • Uninsured Motorist Bodily Injury Coverage: $25,000 per person / $50,000 per accident
  • Uninsured Motorist Property Damage: $10,000 per accident
  • Underinsured Motorist Bodily Injury: $50,000 per person / $50,000 per accident

Your final insurance needs will depend on your driving abilities, history, and needs. Some vehicles, like when leasing, may require collision and compressive coverage.

What are the Penalties for Driving without Insurance in Indiana?

Driving without insurance is a serious offense in the state of Indiana.

The fines and penalties depend on your actions when behind the wheel. You can expect anything from fees and loss of driving privileges to potential jail time.

Typical penalties for driving in Indiana without insurance include:

  • Fines between $250 to $1000+
    • Original traffic citation + insurance fine
  • Higher insurance premiums and SR22 requirement
    • Each offense requires longer SR22 coverage
  • Your license suspended for 90 days to 1-year
  • Your vehicle title/registration suspended

You may update/dispute the insurance citation showing you have coverage within 40 days. If you fail to show proof of insurance in this window, your license gets suspended. Reinstating a suspended license is costly and takes a long time depending on your actions behind the wheel.

Indiana is strict about driving without insurance especially if a serious accident happens causing bodily injury or death. Fines can reach thousands of dollars and years of jail time if your actions were deemed negligent. The driver may also sue for personal or property damage!

Compare Quotes for Indiana Insurance Policies

Whether you just moved to Indiana or you’re a resident, you need auto insurance if you’re getting behind the wheel and on state roads and highways. The insurance helps protect you from uninsured motorists while providing if you’re the one at fault.

Your intent may be finding cheap Indiana auto insurance to cover the state’s minimums. You may decide to upgrade your insurance policy once you’re driving. Many IN car insurance companies offer good driver discounts lowering their premiums – this also applies to good students!