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 at-fault state for car insurance claims.

Field report · IN

Car insurance in Indiana

Indiana is a at-fault state with a minimum liability requirement of25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/25

Fault systemAt-fault

Uninsured motoristRequired

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

Illustrative estimate: roughly $510-$520/year for minimum coverage.

Why this is a range, 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 ourcost calculator for a figure based on your own details, orget 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 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.

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