Indiana

Auto Insurance Minimum Requirements

25/50/25

Liability Limits

No-Fault

N/A

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$25,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2017-07-01

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.

Official Source

Indiana Bureau of Motor Vehicles

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.