Indiana Auto Insurance Guide
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Get affordable Indiana auto insurance quote rates for free.
Call Now: (866) 845-3808
From Gary to Terre Haute, to Fort Wayne to Evansville, Indiana has thousands of miles of roadways. They’ll take you from the Brickyard to the sand dunes, along the wine trail and into Lucas Oil Field in time for kick-off. Indiana’s roads are used by about 5.5 million licensed drivers, who each travel an average of nearly 12,000 miles a year. Along the way, Indiana’s drivers are involved in thousands of traffic accidents every day, including many that result in serious injury or death. Wherever you live and drive in the Hoosier State, carrying adequate car insurance is both a legal requirement and commonsense protection. This is your guide to Indiana’s basic vehicle insurance requirements and laws.
Indiana state law requires you to carry a minimum amount of car insurance. Failure to do so can result in severe penalties that may include monetary fines and jail time. Under Indiana’s tort system, you may also be liable for actual damages (expenses associated with property damage and medical costs), economic damages (lost wages and earning capacity) and emotional and physical pain and suffering.
The bare minimum car insurance requirement for Indiana drivers is:
Uninsured and underinsured motorist coverages can be rejected in writing if you prefer not to purchase them. Indiana does not require you to carry additional coverage such as personal liability or Collision and Comprehensive. However, if you own property or other valuable assets, supplementing the minimum requirements can help you protect yourself from monetary loss.
Indiana law requires that you carry proof of Indiana auto insurance in your car and show it if a law enforcement officer asks to see it. You cannot register or operate a motor vehicle in Indiana without insurance. Fines can include a 90-day license suspension for first offenders or one-year suspension for repeat violations within three years of the first conviction. A fine of up to $10,000 can be imposed. There is a license reinstatement fee of $150 to $300.
Indiana has an Electronic Insurance Forms Submission program that requires your car insurance company to electronically submit your insurance information to the Indiana Bureau of Motor Vehicles. Unless you have proof of minimum coverage on file, you will not be able to register a vehicle or renew registration.
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Vehicle insurance premiums are regulated by the Indiana Department of Insurance. Insurance companies are allowed to charge premiums and award discounts based on a number of factors that can include:
Indiana also allows insurers to consider your credit rating to determine your premium.
You may be able to lower the cost of your premiums in the following ways:
Laws regarding driving and car insurance can change frequently. It is your responsibility to stay current about the legal requirements in Indiana. The following laws have recently been enacted in Indiana and may affect your insurance coverage decisions.
Indiana Department of Insurance
Indiana Department of Motor Vehicles
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