Auto Insurance Minimum Requirements
Indiana requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 25/50/25. Indiana is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is not required.
Uninsured / Underinsured Motorist
Insurers must offer UM and UIM in writing on all new policies; can be declined via formal sign-off.
SR-22 Filings
Required for a 3-year minimum following dynamic license suspension or lack of active verified coverage.
Alternatives to Insurance
A cash security deposit of $40,000 with the Bureau of Motor Vehicles.
Fine
$250 reinstatement fee
License / Registration
Suspension: Yes (90 days)
SR-22 Required After
Yes
What is the minimum car insurance required in Indiana?
Indiana requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 25/50/25 coverage.
Is Indiana a no-fault state?
No, Indiana is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Indiana?
Uninsured motorist coverage is not required in Indiana, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Indiana?
Driving without insurance in Indiana can result in fines of $250 reinstatement fee and license/registration suspension (Yes (90 days)). An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Indiana?
SR-22 filings are used in Indiana for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for a 3-year minimum following dynamic license suspension or lack of active verified coverage.
What does 25/50/25 mean in Indiana?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Indiana Bureau of Motor Vehicles
More Indiana Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Indiana Bureau of Motor Vehicles publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.