What is the minimum car insurance requirement in Indiana?

Indiana requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.

Is Indiana an at-fault or no-fault state?

Indiana is an at-fault state for car insurance claims.

Field report · IN

Car insurance in Indiana

Indiana is an at-fault state with a minimum liability requirement of 25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/251

Fault systemAt-fault1

Uninsured motoristMust be offered1

RegulatorIndiana Bureau of Motor Vehicles (BMV)

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.

Every auto policy must include UM/UIM matching liability limits by default, unless the insured rejects it in writing.

Estimated cost

$446 a year for minimum coverage, $1,709 for full coverage2

Average annual premiums in Indiana for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

SR-22 & high-risk filings

Generally required after a DUI, driving without insurance, reckless driving, or to reinstate a suspended/revoked license.

Local conditions worth knowing

Indianapolis's I-465/I-70/I-69 interchange corridor carries very heavy daily traffic (150,000+ vehicles/day), and regional severe-storm/hail activity adds to comprehensive claim costs.

Frequently asked

What is the minimum car insurance requirement in Indiana?: Indiana requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.
Is Indiana an at-fault or no-fault state?: Indiana is an at-fault state for car insurance claims.
Do I need an SR-22 in Indiana?: Generally required after a DUI, driving without insurance, reckless driving, or to reinstate a suspended/revoked license.
Is uninsured motorist coverage required in Indiana?: Every auto policy must include UM/UIM matching liability limits by default, unless the insured rejects it in writing.

Sources

MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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