Indiana car insurance: requirements & free quotes
Indiana is an at-fault state with a 25/50/25 minimum. Insurers must include uninsured/underinsured motorist coverage unless you reject it in writing, and the state's busy interstate crossroads see heavy truck traffic.
Minimum coverage in Indiana
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $25,000 per accident
Shown as 25/50/25. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Indiana
- Think twice before rejecting UM/UIM coverage, which is included unless you decline it in writing.
- Comprehensive coverage helps with deer collisions, hail and storm damage.
- Ask about discounts for good students and safe drivers.
- Higher liability limits protect you on interstates with heavy commercial traffic.
We connect drivers across Indiana
Including Indianapolis, Fort Wayne, Evansville, South Bend and Carmel — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Indiana car insurance FAQ
No. Indiana is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.