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Indiana’s State Mandatory Car Insurance Minimum

Indiana set minimum coverage rates are 25/50/10 and the numbers always represent thousands of dollars.

Bodily Injury Liability

Bodily injury responsibility insurance covers hospital costs for wounded people in the other automobile. Under an absolute minimum policy, the insurer will pay $25,000 for a single person with up to $50,000 if more than one individual is concerned.

Property Damage Liability

In the event the other automobile is damaged or there’s damage to other property like buildings or stop signs, the minimum property damage liability cover will pay up to $15,000 to cover repairs costs.

Although this is the state minimum for car insurance, there is another option for the residents of Indiana. You can place $40,000 in a trust or you place the funds on deposit with the Treasurer of the state. Most drivers cannot afford to place that amount money on deposit and those which have the funds over ninety-nine percent of the time they get insurance from a reputable firm anyway.


Beautiful Picture of downtown Indianapolis at night. Photo credit: hyku, used under Creative Commons License (By SA 2.0

Carrying the lowest coverage is an option, but it is recommend to look into comprehensive, collision, uninsured motorist protection, and Gap insurance if you have financed your vehicle.

Indiana has a higher than average stolen car rate, particularly in Indianapolis, Fort Wayne, and South Bend,  and comprehensive coverage will suffice. However, if you are able to park your vehicle in a garage and a secured parking lot when at work you want to tell your agent your car is secured to lower the comprehensive insurance coverage. If you are getting insurance for a motorcycle then you want to be sure to have “non-collision” coverage since the state is eighth in nation for stolen motorcycles.

Since the uninsured motorist rate is high, whether you live in Clarksville or Greenwood, you may want to consider this type of coverage. UM will help protect you when involved in an accident with a driver with little to no insurance to cover the repair bills and damages.

If your vehicle is no more than five years old or is worth thousands of dollars you want to talk to an agent after using our comparison tool. It never hurts to ask about optional insurance to be sure your vehicle is fully protected. From Auburn, Griffith, or Zionsville you are able to compare low quotes from reputable insurers in your area.

Local Car Insurance Agents in Indiana

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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