Indiana car insurance: minimums, prices and your estimate
Indiana requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
Indiana is an at-fault state where insurers must provide uninsured and underinsured motorist coverage at least equal to your bodily injury liability limits, unless you reject it in writing.
- Legal minimum
- 25/50/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22 (180 days to 5 years)
What drivers in Indiana can expect to pay
Monthly ranges from our model, anchored to Indiana's position in 7 published price studies from 2025 and 2026 ($2,133 a year for full coverage and $574 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $153-$203 | $2,133 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $41-$54 | $574 |
| Young driver, full coverage20, own policy, clean record | $284-$427 | $4,266 |
| Senior, full coverage70, clean record | $147-$194 | $2,048 |
| After one at-fault accident35, full coverage | $229-$304 | $3,199 |
| After a DUI35, full coverage | $268-$401 | $4,010 |
| Poor credit35, clean record, full coverage | $273-$393 | $3,989 |
Build your Indiana estimate
Rules worth knowing in Indiana
- If uninsured and underinsured motorist coverage are sold separately, you can reject either one or both in writing. Uninsured motorist coverage can include property damage, but only if you also carry uninsured motorist bodily injury coverage.
- Indiana does not require personal injury protection, and medical payments coverage is optional.
- Insurers may use credit, but not a score that uses income, gender, address, ZIP code, ethnic group, religion, marital status or nationality. Credit alone cannot be the reason your policy is denied, canceled or not renewed, and credit data used against you must be no more than 90 days old.
- Besides a liability policy, you can meet the requirement with a bond or with self-insurance recognized by the Indiana Bureau of Motor Vehicles.
- After a license suspension for not having insurance, the Indiana Bureau of Motor Vehicles requires SR-22 coverage for 180 days in a row, and other cases can require an SR-22 for three or five years.
Questions about Indiana car insurance
What is the minimum car insurance in Indiana?
Indiana requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in Indiana per month?
For a 35-year-old with a clean record, our model puts full coverage at about $153 to $203 a month and state-minimum coverage at about $41 to $54. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Indiana a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Indiana use my credit score?
Yes. Many insurers in Indiana use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Indiana?
Only if a court or the state requires one, usually after a serious violation or a lapse. After a license suspension for not having insurance, the Indiana Bureau of Motor Vehicles requires SR-22 coverage for 180 days in a row, and other cases can require an SR-22 for three or five years.