Last Updated 5th of August, 2010

What is the state requirement for auto insurance in Indiana?

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You can comply with the Indiana financial responsibility requirements in several ways, including by carrying an adequate amount of car insurance. If you opt to go that route, here's what you need to know.

IN Auto Insurance Requirements

You must carry at least the following amounts and types of car insurance:

  • Bodily damage liability insurance: $25,000 for one person in a single accident; $50,000 total coverage for a single accident.
  • Property damage liability insurance: $10,000 in coverage. 
The state doesn't have any personal injury protection (PIP) requirements.

Choose Your Car Insurance Carefully

Car insurance can be expensive, especially for younger drivers. Many are tempted to simply reach the state's minimum insurance requirements and not purchase higher amounts or other types of car insurance.

However, that can prove to be a costly mistake, especially if you're at fault in a serious accident. The financial repercussions could jeopardize your financial health for years to come.

So, if you're looking to save money, it's best to shop around for the best rates and coverages, and not just skimp on your protection.

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