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
Up to $1,000
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 Up to $1,000 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.
Official Source
Indiana Bureau of Motor Vehicles
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.