What are Indiana's minimum auto insurance requirements?

Drivers in Indiana are required to have auto liability coverage ( BI liability and PD liability ).

Is Indiana a no-fault state?

No. Indiana is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers.

How much is car insurance in Indiana?

In 2025, the cost of a Progressive liability-only auto policy (single driver/single car) in Indiana was an average of $91.93 per month. *

Is Indiana a no-fault state?

No, Indiana is an at-fault state. The driver who causes a crash may be responsible for the resulting injuries and property damage.

How do I lower my car insurance in Indiana?

You may be able to lower your rate by keeping a clean driving record, reviewing your coverage and deductibles, and earning available discounts. Progressive offers several discounts in Indiana, including accident-free driving, eligible teen drivers, qualifying students away at school, and paperless documents.

What happens if my car insurance lapses in Indiana?

If your policy lapses, don't drive until you have liability coverage that meets Indiana's requirements. The BMV may request proof of insurance after certain accidents or traffic violations and may also request proof at any time. If your insurer doesn't submit a Certificate of Compliance within 90 days of the BMV's request, your driving privileges will be suspended. If you can't prove that you had insurance for the date in question, you may need an SR-22 to regain your driving privileges. For an insurance suspension, the SR-22 requirement is satisfied after you maintain coverage for 180 consecutive days. A lapse in required SR-22 coverage can cause your driving privileges to be suspended again.

Indiana car insurance

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Getting car insurance in Indiana

Getting car insurance in Indiana involves more than buying the state's minimum coverage. Your coverage should also reflect the conditions you regularly face, whether that's interstate traffic, winter weather, or rural roads. Progressive makes it easy to compare options and choose a policy that fits your needs and budget.

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Required coverages
Discounts
Average cost
Cost factors
Optional coverages
Driving resources
FAQs

What are the minimum auto insurance requirements in Indiana?

Indiana requires drivers to carry the following minimum coverages and limits.

Coverage	What it covers	Minimum amount
Bodily injury liability	Injuries you cause to others in an accident	$25,000 per person $50,000 per accident
Property damage liability	Damage you cause to someone else's vehicle or other property in an accident	$25,000 per accident

Indiana insurers must include uninsured and underinsured motorist coverages when they issue an auto liability policy, but you can reject the coverage in writing.

While these are Indiana's minimum liability coverage limits, higher limits may offer better financial protection after a serious accident. See how much car insurance you may need for your situation.

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Car insurance discounts in Indiana

Progressive offers several discounts to help Indiana drivers save on car insurance, including:

Multi-policy
Save when you have two or more policies with Progressive. For example, bundling your auto and home insurance may qualify you for a multi-policy discount.
Multi-car
Save when you list more than one vehicle on your policy. You can add a car kept at your address that belongs to a spouse, family member, or roommate.
Online quote
Save when you start your auto insurance quote online. You can compare coverage options and customize your policy before you buy.

What is the average cost of car insurance in Indiana?

In 2025, a Progressive liability-only policy for one car and one driver in Indiana cost an average of $91.93 per month.^† Your rate may be higher or lower based on factors such as your driving history, location, vehicle, and coverage choices.

Factors that impact your auto insurance rate in Indiana

Several factors can affect how much you pay for auto insurance in Indiana, including:

Driving record: Tickets, accidents, and prior claims can affect your rate.
Vehicle type: Your car's make, model, age, value, and repair costs can affect your rate.
Location: Traffic, accident frequency, theft, and other risks vary by area and can affect what you pay.
Coverage choices and deductibles: The coverages you select, your limits, and your deductibles affect your premium. A higher deductible can lower your premium, while additional coverage or higher limits can increase it.

Recommended additional auto insurance coverages in Indiana

Indiana's required liability coverage may help pay for injuries and property damage you cause, but it may not cover all costs. Optional coverages can help protect your vehicle and pay certain medical costs. If you finance or lease your vehicle, most lenders require comprehensive and collision coverage.

Coverage	What it covers
Comprehensive	Cost to repair or replace your car if it's stolen or damaged by hail, fire, wind, flooding, vandalism, and other covered events
Collision	Cost to repair or replace your vehicle if it overturns or collides with another vehicle or object
Medical payments	Covered medical costs for you and your passengers after an accident
Uninsured/underinsured motorist	Covered injuries caused by uninsured or underinsured drivers, plus certain property damage caused by an uninsured driver

Indiana driving resources

Use these state resources to learn more about Indiana's insurance requirements, driver's licenses, traffic laws, and road conditions. Keep in mind that local governments may have additional rules or requirements.

Indiana Bureau of Motor Vehicles: Find information about driver's licenses, vehicle registration, driving records, suspensions, and other BMV services.
Indiana BMV Proof of Financial Responsibility: Review insurance requirements, proof-of-insurance requests, Certificates of Compliance, and SR-22 requirements.
Indiana Department of Insurance: Learn about required and optional auto coverage, rating factors, consumer protections, and insurance questions.
Indiana Driver's Manual: Review current traffic laws, insurance requirements, safe-driving rules, and guidance for Indiana drivers.
INDOT Winter Weather: Learn winter driving safety tips and check current road conditions.

How to get car insurance in Indiana

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Indiana car insurance FAQs

If your policy lapses, don't drive until you have liability coverage that meets Indiana's requirements. The BMV may request proof of insurance after certain accidents or traffic violations and may also request proof at any time. If your insurer doesn't submit a Certificate of Compliance within 90 days of the BMV's request, your driving privileges will be suspended.
If you can't prove that you had insurance for the date in question, you may need an SR-22 to regain your driving privileges. For an insurance suspension, the SR-22 requirement is satisfied after you maintain coverage for 180 consecutive days. A lapse in required SR-22 coverage can cause your driving privileges to be suspended again.