Find out how much you can save on Indiana car insurance.

Download the app. Take a test drive around the Hoosier State. Get a free quote.

Why choose Root for your Indiana car insurance policy?

Indy 500 drivers are rewarded for driving fast—really fast. We reward you for just the opposite. With Root, if you drive safely and sensibly, you’ll pay up to 52% less for car insurance. Start your engines! (And then drive the speed limit.)

What makes Root different from traditional insurers in Indiana?

We base rates primarily on how you actually drive, not just your demographics like age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download the free Root app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy, all within the app. And because we don’t insure high-risk drivers, good drivers save up to $100/month.

Root is disrupting the broken insurance system by bringing fairness and ease to customers across the Hoosier State.

It’s a good time to be a good driver in Indiana.

Because Indiana is now an electronic proof of insurance state, you’ll always have legal proof on hand with the Root app. Root’s competitive quotes and simple app prove that car insurance can be affordable and easy for the best drivers of Indiana—from Fort Wayne to Indianapolis, South Bend to Evansville, and all points between.

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

What are the minimum car insurance requirements in Indiana?

To legally operate a vehicle you must carry a certain amount of liability insurance. If you’re found driving without it, your driver's license can be immediately suspended.

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 passengers (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 Indiana liability coverage:

  • $25,000 Bodily injury (per person)
  • $50,000 Bodily injury (per accident – multiple people injured)
  • $25,000 Property damage (per accident)

Uninsured Motorist Coverage

All liability insurance policies in Indiana must also include uninsured/underinsured motorist liability coverage (UM/UIM). This helps cover any costs incurred by 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 insurance ID card issued by your insurance carrier
  • Electronic version like the one in the Root app

A Certificate of Compliance is required if any of the following situations occur:

  • 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.

This Certificate of Compliance serves as proof you have met your car insurance requirements. When any of the situations listed above occur, the Indiana BMV will send a request for proof of car insurance to your address. You will then need to contact your insurer to submit the certificate to prove you were insured (or the 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.

Fines and penalties when you’re caught without insurance

In Indiana, operating a vehicle without the required car insurance coverage can cost you. If you’re found driving without the required minimums, you'll lose your driving privileges from anywhere between 90 days and one year.

SR-22 Bonds

When your license has been suspended after a conviction for operating a vehicle without the proper insurance, you will have to file a form SR-22, which provides proof of future financial responsibility once you reinstate your license. Your car insurance company will file this form for you (Root does this for free). 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?

  • Collision
  • Comprehensive (including glass coverage)
  • Personal Injury Protection
  • Uninsured/Underinsured Motorist Bodily Injury (UM/UIM)
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

What is the average cost of car insurance in Indiana?

The average Hoosier pays $1,0212 per year for their auto policy, but many people are paying much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers are saving up to $100/month on average—all while enjoying simple, fair car insurance.

What our customers tell us

Root car insurance app for iPhone and Android

Choosing your car insurance coverage just got easier.

Our app makes it quick and easy to get the coverage you need. Try it and see how much you can save.

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