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Better rates for better drivers in Indiana

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Fair and affordable car insurance in Indiana

From Indianapolis to Gary and Fort Wayne to Evansville, good drivers in Indiana can get great coverage at affordable rates. Just download our app, start your test drive, and see if your good driving will save you money.

How it works

Traditional car insurance companies focus on demographic information like age, marital status, and ZIP code to price their coverages. We don’t think that’s fair, so we base our rates primarily on how you drive.

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Visit the App Store or Google Play. Sign up in less than a minute.

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Drive around

We use your smartphone to measure your driving behavior. Better driving = more savings.

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You can customize and purchase your policy, all in the Root app.

State requirements for car insurance in Indiana

What are the minimum auto insurance requirements?

To legally operate a vehicle, you must carry Liability insurance. If you’re found driving without it, your driver's license can be immediately suspended for anywhere between 90 days and one year.

Liability coverage

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.

Minimum required Liability coverage in Indiana:

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

  • $25,000 Property Damage (per accident)

Uninsured/Underinsured Motorist coverage (UM/UIM)

All auto insurance policies in Indiana must also include Uninsured/Underinsured Motorist (UM/UIM) coverage. This helps cover any costs incurred in an accident with another driver who has no Liability coverage, or insufficient coverage to cover your costs. 

Minimum Underinsured Motorist Bodily Injury (UM/UIM) coverage:

  • $50,000 (per accident)

Proof of insurance

Indiana drivers must carry proof of insurance while driving and must present it during traffic stops and when registering a car. Acceptable forms include an electronic version like the one in the Root app.

Certificate of Compliance

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.


If your license has been suspended after a conviction for driving a vehicle without proper insurance, you will have to file an SR-22 when your license is reinstated. The SR-22 is proof of future financial responsibility (in other words, proof that you have the required amount of insurance) and is provided by your auto insurance company. You can request your SR-22 directly in the Root app and we’ll get it where it needs to go. You will be required to maintain your SR-22 for 3 years from the effective end date of each suspension.

What other coverages does Root offer in Indiana?

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Rental Car coverage

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Personal Injury Protection

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Medical Payments


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(including glass coverage)

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Roadside Assistance

(included with every Root policy)

What is the average cost of auto insurance in Indiana?

On average, Hoosiers pay $1,213[1] in annual car insurance premiums. That means some drivers are paying a lot more, but there’s good news—switching to Root could save good drivers up to $900 a year.

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Get an auto insurance quote based primarily on how you drive. You could save hundreds.

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  1. Annual average rates were compiled in April 2020

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Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.