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Indiana- Auto Insurance

Indiana has mandatory minimum amounts of liability coverage that drivers must carry. Indiana also requires new auto insurance policies to include uninsured motorist coverage.


  • If the vehicle is required to have a license plate, then it must be insured, according to Indiana law.
  • Indiana law requires you to present your insurance card to police officers who pull you over for a safety check or traffic violation
  • The mandatory minimum liability coverage amounts are: $25,000 for the injury or death of one person in an accident, $50,000 for the injury or death of more than one person in an accident, and $10,000 for property damage.
  • Indiana’s Department of Insurance requires that all new auto insurance policies include uninsured and underinsured motorist coverage unless the policyholder expressly rejects the coverage in writing. For uninsured motorist bodily injury coverage, the minimum is $25,000/$50,000. For uninsured motorist property damage coverage, the minimum is $10,000. For underinsured motorist bodily injury coverage, the minimum is $50,000.

If you drive a vehicle in Indiana without the proper insurance coverage, you could have your driver’s license suspended for 90 days. To have the license reinstated, the driver must pay a fee of $150 for a first offense, $225 for a second offense, and $300 for subsequent offenses. The driver must also present proof of valid current insurance at the time the license is reinstated.


Indiana Dept. of car insurance
Consumer Services
311 West Washington Street
Indianapolis, IN 46204-2787
Phone: 1-317-232-2395
Phone Toll Free: 1-800-622-4461
Fax: 1-317-232-5251

Web Site:

Indiana (IN) Mandatory Auto Insurance Minimums:

  • Liability: 25/50/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Regulations Regarding Proof of Insurance: Proof Required – When Obtaining Registration, If Involved In An Accident
  • Penalties For Not Carrying Mandatory Insurance: Suspension of license or registration up to one year

Inside Indiana- Auto Insurance