Auto Insurance Requirements In Indiana
Indiana Auto Insurance
According to the Indiana state law, all motorists applying for vehicle registration in Indiana are required to have valid vehicle liability insurance.
This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times. Your insurance must be provided when renewing your vehicle registration, when involved in a traffic collision, or as requested by law enforcement.
While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits. It’s also important to note that, while Indiana law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.
Car Insurance Policy Requirements in the Indiana
Your Indiana auto insurance policy must include at least the following minimum coverage limits:
- Bodily injury liability: Minimum of $25,000 per person and $50,000 per accident
- Property damage liability: Minimum of $25,000 per accident
- Uninsured motorist bodily Injury: Minimum of $25,000 per person and $50,000 per accident
- Uninsured motorist property famage: Minimum of $25,000 per accident*
- Underinsured motorist bodily injury: Minimum of $50,000 per person and $50,000 per accident*
*Uninsured and Underinsured Motorist coverages can be rejected in writing. You must show valid proof of insurance to register a vehicle or renew a vehicle registration.
Penalties and Violations
If you are caught and convicted in the state of Indiana driving without car insurance, You will be assessed fines that will increase over time.
If you are unable to show proof of insurance, you can face the following penalties:
- Suspension of license and/or registration from up to 90 days to a year
- License reinstatement fees of between $150 – $300
- Requirement to maintain an SR-22 on record with the BMV for 3 years
According to the Indiana Department of Insurance, a Certificate of Compliance is a form that must be filed by your auto liability insurance agent after an accident or following a traffic violation. Filing this form certifies your financial responsibility. This form is required by the Indiana Bureau of Motor Vehicles.
Choosing the insurance that’s actually right for you may seem overwhelming. Don’t go it alone — have one of our friendly, knowledgeable agents help you cut through the nonsense, and get you the security you need while you’re out on the road. Just fill out the form to get started!