Indiana car insurance requirements
Every driver in Indiana must carry at least this coverage. It’s an at-fault state: the driver who causes a crash is responsible for the damage.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Indiana drivers should know
- Indiana requires at least 25/50/25 liability coverage. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- Uninsured and underinsured motorist coverage must be offered with every policy; you can reject it in writing.
- Driving without insurance can lead to license suspension, and you may need to file proof of coverage for years afterward.
Home insurance in Indiana
- Severe thunderstorms, hail and tornadoes are the main weather risks, with winter freezes close behind.
- Sewer and drain backup isn’t covered automatically — ask for a water backup endorsement.
Ways to save in Indiana
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.