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 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 is the average cost of auto insurance in Indiana?
On average, Hoosiers pay $1,213 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.