Affordable Indiana car insurance that puts you first
Root rewards Indiana drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Indiana auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Indiana auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Hoosier State
Indiana has more to drive than the oval at Indianapolis Motor Speedway. The Crossroads of America lives up to its name with interstates connecting Indy to Fort Wayne, South Bend, Evansville, and cities beyond the state line.
Around Indy: I-65 and I-70 meet in Indianapolis, with I-465 forming the beltway around the metro.
Across Indiana: I-69 reaches toward Fort Wayne and Evansville, while I-65 connects Indianapolis with northwest Indiana and the Louisville area.
Going somewhere new? INDOT maintains Indiana’s state highways and provides transportation information for drivers around the state.
From Indianapolis to Fort Wayne and beyond: Explore Indiana car insurance from Root.
Indiana's minimum auto insurance requirements
To legally operate a vehicle, you must carry Liability insurance and Uninsured Motorist Coverage. If you’re found driving without these, your driver's license can be immediately suspended for anywhere between 90 days and one year.
The minimum coverage amounts required for drivers in Indiana are [1]:
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
Uninsured/underinsured motorist bodily injury coverage
$50,000 per accident
Types of Indiana auto insurance we offer
Explore our Indiana car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Indiana?
The average Indiana driver pays $1,894 per year for full coverage car insurance [2].
Root customers looking to purchase Indiana car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Indiana Auto Insurance FAQs
What is the minimum car insurance required in Indiana?
To legally operate a vehicle in Indiana, you must carry liability insurance.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance is the only coverage you are legally required to select when purchasing auto insurance in Indiana.
Is it legal to drive without insurance in Indiana?
No, you cannot legally drive without auto insurance in Indiana. State law requires every driver and vehicle owner to maintain continuous liability insurance and uninsured motorist coverage. Indiana drivers must carry proof of insurance while driving and must present it during traffic stops and when registering a car. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Indiana?
Yes. Indiana requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Indiana?
The easiest ways to save on your Indiana car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Hoosier State.
Is Indiana a no-fault car insurance state?
No, Indiana is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in Indiana?
Indiana law does not require drivers to carry collision coverage. The state only requires minimum liability insurance. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Indiana?
No, Indiana drivers are not required to carry uninsured/underinsured motorist coverage. Like all auto insurance companies, Root offers optional UMPD and UM / UIM coverage in Indiana to help pay for injuries or vehicle damage when the at-fault driver has no insurance or insufficient coverage. Insurers in Indiana must offer this coverage, so if you don’t want it, you’ll need to reject it in writing. We make it easy to choose your coverage in our app.
Does Root offer full coverage car insurance in Indiana?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Indiana?
High-risk Indiana drivers may be ordered by a court or the Indiana BMV to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
What is a Certificate of Compliance in Indiana?
A Certificate of Compliance serves as proof that you have met your car insurance requirements in the following scenarios:
The BMV receives an accident report for an accident in which you were involved.
You were issued a traffic ticket within one year of previously receiving two moving violations or more.
You've committed a serious traffic violation.
You've committed any traffic violation when your license was previously suspended for not providing proof of insurance.
If any of the above events occur, the Indiana BMV will contact you for proof of insurance. You will need to reach out to your insurer who will be able to submit the Certificate of Compliance confirming that you were insured (or your vehicle was insured) at the time of the incident. The certificate needs to be electronically submitted within 90 days of the date you receive the request from the BMV. If the form is not submitted on time, you could have your Indiana driver’s license suspended.
What happens if I'm partly at fault for an accident in Indiana?
Indiana uses a modified comparative fault rule with a 51% bar. You can recover damages as long as your share of fault isn't greater than that of the other parties combined, though your compensation is reduced by your percentage of fault. If you're found 51% or more at fault, you can't recover damages.
Helpful resources for Indiana drivers
Indiana Department of Insurance
The Indiana Department of Insurance regulates insurance in the state and helps consumers with insurance questions and complaints.
Indiana Department of Transportation
INDOT builds and maintains Indiana's state highways and shares travel information.
Indiana Bureau of Motor Vehicles
The Indiana BMV issues driver's licenses and ID cards and handles vehicle titles and registrations.
Start saving on car insurance
Get a quote and get on the road in less than 5 minutes with Root. It’s practical, simple, and fast car insurance for drivers who have more important stuff to do.
References
Indiana Bureau of Motor Vehicles. Proof of Financial Responsibility.
Insure.com. Annual average rates were compiled in 2026.