Indiana Car Insurance Requirements 2026: Minimum Coverage, Penalties & How to Save

Indiana requires every driver to carry liability insurance, and new policies must include uninsured/underinsured motorist coverage unless you reject it in writing. This guide explains Indiana's 2026 car insurance requirements in plain language so you can drive legally, avoid a suspended license, and protect your family.

Indiana's Minimum Car Insurance Requirements (2026)

To drive legally in Indiana, you must carry at least these liability limits, commonly written as 25/50/25:

Coverage	Minimum required	What it pays for
Bodily Injury Liability (per person)	$25,000	Injuries you cause to one other person
Bodily Injury Liability (per accident)	$50,000	Total injuries you cause to others in one accident
Property Damage Liability	$25,000	Damage you cause to another person's vehicle or property

Indiana is a at-fault state, which means the driver who causes the crash is responsible for the damages.

Coverages You Should Know About

• Uninsured/Underinsured Motorist (UM/UIM): Indiana law requires insurers to include UM/UIM in every new policy (UMBI $25,000/$50,000, UM property damage $25,000, UIM $50,000). You may reject it only in writing.
• Collision: pays to repair or replace your own car after a crash, no matter who was at fault.
• Comprehensive: covers theft, fire, hail, flooding, falling objects, and hitting an animal.
• Medical Payments (MedPay): helps with medical bills for you and your passengers regardless of fault.

If your car is financed or leased, your lender will require full coverage (collision + comprehensive).

How Indiana Verifies Your Insurance

Indiana is an at-fault state, so the driver who causes a crash is responsible for the damages. The Bureau of Motor Vehicles (BMV) may require a Certificate of Compliance (COC) to confirm insurance was in effect at the time of an accident or violation.

What Indiana's Minimum Does NOT Cover

• Your own injuries and lost wages beyond any MedPay you add
• Repairs to your own car — you need Collision coverage
• Theft, fire, hail, flood, or hitting an animal — you need Comprehensive coverage
• Costs above your limits — if you injure someone badly, damages can far exceed 25/50/25, and you are personally responsible for the rest

Penalties for Driving Without Insurance in Indiana

• License suspension ranging from 90 days to one year for driving without insurance
• Escalating reinstatement fees: $250 for the first offense, $500 for the second, and $1,000 for the third and later
• A required SR-22 filing after suspension — typically three years for a first suspension and up to five years for later ones
• A possible Certificate of Compliance (COC) requirement from the BMV

What Affects Your Car Insurance Price in Indiana

There is no single "average" price that fits everyone. Your rate is built from your personal profile, including:

• Driving record: tickets, at-fault accidents, and DUIs raise your rate
• Location: your ZIP code and local accident, theft, and weather risk
• Vehicle: the make, model, year, and repair cost of your car
• Coverage level: minimum vs. full coverage and your deductibles
• History: years licensed and continuous coverage
• SR-22 status: if required after a serious violation

The only way to know your real price is to compare carriers. Get a free quote here and we shop 20+ companies for you at once.

How to Save on Car Insurance in Indiana

• Bundle your auto with home or renters insurance
• Ask about safe-driver, multi-car, and pay-in-full discounts
• Raise your deductible if you have savings to cover it
• Keep continuous coverage — gaps raise your rate
• Compare carriers every renewal instead of letting it auto-renew

Special Situations

SR-22 Insurance

An SR-22 is a certificate your insurer files with the state to prove you carry the required coverage, usually after a DUI or serious violation. We can file your SR-22 quickly so you can get back on the road.

No License or a Foreign License

Many of our clients are new to the U.S. or drive with a foreign or international license. We work with carriers that understand these situations and we will walk you through every step, in your language.

Why Choose TOP Insurance

We are a fully bilingual, independent agency serving Indiana and 6 other states for over 10 years, with more than 10,000 clients and access to 30+ top carriers. Instead of one company's prices, we compare many to find you the right coverage at the right price — with real, Spanish-speaking humans who explain everything clearly.

Frequently Asked Questions

What is the minimum car insurance required in Indiana?

Indiana requires 25/50/25: $25,000 in bodily injury per person, $50,000 per accident, and $25,000 in property damage.

Is Indiana a no-fault state?

No. Indiana is a at-fault state, so the driver who causes the accident is responsible for the damages.

What is the penalty for driving without insurance in Indiana?

Driving uninsured can suspend your license for 90 days to one year, with escalating reinstatement fees of $250, $500, or $1,000, plus an SR-22 requirement for three to five years.

Do I need full coverage in Indiana?

The state only requires liability, but if your car is financed or leased your lender will require full coverage (collision and comprehensive).

Can I get car insurance in Indiana with a foreign license?

Often yes. Contact us and we will find carriers that can insure your specific situation.

Ready to drive protected? Get your free Indiana car insurance quote today and let our bilingual team compare 20+ companies for you. You can also explore our auto insurance options or learn more about coverage in Indiana.