Indiana car insurance laws

Indiana requires that drivers carry at least 25/50/25.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Indiana drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Indiana car insurance requirements

Indiana requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Indiana liability minimums are 25/50/25.

The average cost of a minimum coverage policy is $417. However, Auto-Owners has the lowest minimum car insurance rates, averaging $248.

The table below shows the top insurers' average rates for minimum coverage in Indiana.

CompanyAverage annual premiumAverage monthly premium
Auto-Owners$248$21
Geico$249$21
Indiana Farmers Insurance$353$29
Travelers$361$30
State Farm$365$30
Progressive$398$33
Indiana Farm Bureau$485$40
Nationwide$549$46
Allstate$676$56
Farmers$704$59
USAA$199$17
Read our methodology

Indiana car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $417. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Indiana.

The cheapest company for minimum coverage in Indiana is Auto-Owners at an average rate of $248 annually.

State minimum coverage limit25/50/25
Average annual premium$417
Average monthly premium$35
Read our methodology

Are the Indiana minimum coverage requirements changing in 2025?

Indiana car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Indiana?

Indiana requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Indiana drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

PEOPLE ASK:

Is Indiana minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 25/50/25, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Indiana?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Indiana penalties for driving without car insurance

Since Indiana requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Indiana car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

FinesS250 - $1,000
Other penaltiesLicense suspension
Jail timeNo
Read our methodology

Indiana minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Indiana Farmers Insurance has the best rates for teens with minimum coverage averaging $844. Auto-Owners offers the cheapest coverage for adults at $251.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $424, and the average rate for a 40-year-old male is $410, a difference of $14.

Male
AgeCompanyMale annual premiumMale monthly premium
16Indiana Farmers Insurance$945$79
16Geico$1,444$120
16Progressive$1,579$132
16Auto-Owners$1,688$141
16State Farm$1,691$141
16Indiana Farm Bureau$1,938$162
16Travelers$1,980$165
16Nationwide$2,308$192
16Allstate$2,831$236
16Farmers$4,928$411
16USAA$908$76
17Geico$856$71
17Indiana Farmers Insurance$897$75
17Auto-Owners$1,069$89
17Progressive$1,240$103
17Travelers$1,437$120
17State Farm$1,461$122
17Indiana Farm Bureau$1,845$154
17Allstate$2,091$174
17Nationwide$2,217$185
17Farmers$3,727$311
17USAA$575$48
18Geico$794$66
18Indiana Farmers Insurance$853$71
18Auto-Owners$930$78
18Progressive$1,100$92
18Travelers$1,125$94
18State Farm$1,246$104
18Allstate$1,518$127
18Indiana Farm Bureau$1,759$147
18Nationwide$1,955$163
18Farmers$2,979$248
18USAA$453$38
19Geico$537$45
19Auto-Owners$776$65
19Indiana Farmers Insurance$811$68
19Progressive$852$71
19Travelers$878$73
19State Farm$1,062$89
19Allstate$1,308$109
19Indiana Farm Bureau$1,409$117
19Nationwide$1,700$142
19Farmers$1,834$153
19USAA$379$32
20Geico$503$42
20Auto-Owners$644$54
20Travelers$732$61
20Progressive$745$62
20Indiana Farmers Insurance$772$64
20State Farm$909$76
20Allstate$1,146$96
20Indiana Farm Bureau$1,291$108
20Nationwide$1,453$121
20Farmers$1,619$135
20USAA$342$29
21Geico$397$33
21Auto-Owners$551$46
21Travelers$609$51
21Indiana Farmers Insurance$613$51
21Progressive$635$53
21State Farm$761$63
21Allstate$969$81
21Nationwide$969$81
21Indiana Farm Bureau$986$82
21Farmers$1,343$112
21USAA$315$26
22Geico$324$27
22Auto-Owners$472$39
22Travelers$549$46
22Progressive$583$49
22Indiana Farmers Insurance$585$49
22State Farm$675$56
22Nationwide$852$71
22Allstate$875$73
22Indiana Farm Bureau$937$78
22Farmers$1,274$106
22USAA$295$25
23Geico$297$25
23Auto-Owners$400$33
23Travelers$496$41
23Progressive$537$45
23Indiana Farmers Insurance$559$47
23State Farm$583$49
23Nationwide$794$66
23Allstate$827$69
23Indiana Farm Bureau$861$72
23Farmers$1,159$97
23USAA$277$23
24Geico$279$23
24Auto-Owners$353$29
24Travelers$466$39
24Progressive$500$42
24State Farm$506$42
24Indiana Farmers Insurance$536$45
24Nationwide$752$63
24Indiana Farm Bureau$758$63
24Allstate$786$66
24Farmers$1,113$93
24USAA$264$22
25Geico$270$23
25Auto-Owners$318$27
25Travelers$411$34
25Progressive$439$37
25State Farm$445$37
25Indiana Farmers Insurance$514$43
25Indiana Farm Bureau$562$47
25Nationwide$669$56
25Allstate$750$63
25Farmers$806$67
25USAA$246$21
30Auto-Owners$238$20
30Geico$251$21
30State Farm$362$30
30Travelers$401$33
30Progressive$403$34
30Indiana Farmers Insurance$427$36
30Indiana Farm Bureau$485$40
30Nationwide$590$49
30Allstate$684$57
30Farmers$735$61
30USAA$217$18
35Geico$239$20
35Auto-Owners$247$21
35State Farm$359$30
35Indiana Farmers Insurance$373$31
35Progressive$395$33
35Travelers$400$33
35Indiana Farm Bureau$485$40
35Nationwide$558$47
35Allstate$681$57
35Farmers$686$57
35USAA$205$17
40Geico$237$20
40Auto-Owners$248$21
40Indiana Farmers Insurance$342$29
40State Farm$365$30
40Travelers$368$31
40Progressive$391$33
40Indiana Farm Bureau$485$40
40Nationwide$540$45
40Farmers$658$55
40Allstate$676$56
40USAA$199$17
45Geico$236$20
45Auto-Owners$242$20
45Indiana Farmers Insurance$329$27
45State Farm$368$31
45Travelers$368$31
45Progressive$390$33
45Indiana Farm Bureau$465$39
45Nationwide$533$44
45Farmers$633$53
45Allstate$672$56
45USAA$194$16
50Auto-Owners$232$19
50Geico$235$20
50Indiana Farmers Insurance$331$28
50State Farm$362$30
50Travelers$368$31
50Progressive$384$32
50Indiana Farm Bureau$446$37
50Nationwide$526$44
50Farmers$608$51
50Allstate$664$55
50USAA$189$16
55Auto-Owners$227$19
55Geico$234$20
55Travelers$348$29
55Indiana Farmers Insurance$349$29
55State Farm$353$29
55Progressive$388$32
55Indiana Farm Bureau$421$35
55Nationwide$519$43
55Farmers$578$48
55Allstate$648$54
55USAA$188$16
60Auto-Owners$231$19
60Geico$234$20
60State Farm$344$29
60Travelers$353$29
60Indiana Farmers Insurance$388$32
60Progressive$389$32
60Indiana Farm Bureau$421$35
60Nationwide$519$43
60Farmers$598$50
60Allstate$654$55
60USAA$188$16
65Geico$244$20
65Auto-Owners$253$21
65State Farm$344$29
65Travelers$388$32
65Progressive$409$34
65Indiana Farm Bureau$445$37
65Indiana Farmers Insurance$452$38
65Nationwide$533$44
65Allstate$659$55
65Farmers$679$57
65USAA$205$17
70Geico$264$22
70Auto-Owners$294$25
70State Farm$365$30
70Travelers$416$35
70Progressive$434$36
70Indiana Farm Bureau$445$37
70Indiana Farmers Insurance$552$46
70Nationwide$565$47
70Allstate$693$58
70Farmers$768$64
70USAA$243$20
75Geico$286$24
75Auto-Owners$350$29
75State Farm$408$34
75Travelers$470$39
75Indiana Farm Bureau$500$42
75Progressive$507$42
75Nationwide$626$52
75Indiana Farmers Insurance$700$58
75Allstate$765$64
75Farmers$877$73
75USAA$286$24
Read our methodology
AgeCompanyFemale annual premiumFemale monthly premium
16Indiana Farmers Insurance$878$73
16Geico$1,398$117
16Progressive$1,479$123
16Auto-Owners$1,143$95
16State Farm$1,326$111
16Indiana Farm Bureau$1,315$110
16Travelers$1,484$124
16Nationwide$2,125$177
16Allstate$2,831$236
16Farmers$4,411$368
16USAA$823$69
17Geico$871$73
17Indiana Farmers Insurance$831$69
17Auto-Owners$771$64
17Progressive$1,157$96
17Travelers$1,107$92
17State Farm$1,142$95
17Indiana Farm Bureau$1,315$110
17Allstate$2,091$174
17Nationwide$2,044$170
17Farmers$3,366$281
17USAA$543$45
18Geico$777$65
18Indiana Farmers Insurance$788$66
18Auto-Owners$723$60
18Progressive$1,022$85
18Travelers$886$74
18State Farm$985$82
18Allstate$1,518$127
18Indiana Farm Bureau$1,222$102
18Nationwide$1,804$150
18Farmers$2,718$227
18USAA$434$36
19Geico$552$46
19Auto-Owners$641$53
19Indiana Farmers Insurance$749$62
19Progressive$792$66
19Travelers$712$59
19State Farm$850$71
19Allstate$1,308$109
19Indiana Farm Bureau$1,030$86
19Nationwide$1,534$128
19Farmers$1,705$142
19USAA$357$30
20Geico$519$43
20Auto-Owners$569$47
20Travelers$611$51
20Progressive$704$59
20Indiana Farmers Insurance$713$59
20State Farm$743$62
20Allstate$1,146$96
20Indiana Farm Bureau$1,007$84
20Nationwide$1,335$111
20Farmers$1,495$125
20USAA$325$27
21Geico$413$34
21Auto-Owners$517$43
21Travelers$525$44
21Indiana Farmers Insurance$567$47
21Progressive$621$52
21State Farm$635$53
21Allstate$969$81
21Nationwide$899$75
21Indiana Farm Bureau$790$66
21Farmers$1,204$100
21USAA$303$25
22Geico$338$28
22Auto-Owners$477$40
22Travelers$484$40
22Progressive$583$49
22Indiana Farmers Insurance$543$45
22State Farm$577$48
22Nationwide$794$66
22Allstate$875$73
22Indiana Farm Bureau$762$64
22Farmers$1,130$94
22USAA$283$24
23Geico$322$27
23Auto-Owners$429$36
23Travelers$461$38
23Progressive$532$44
23Indiana Farmers Insurance$521$43
23State Farm$503$42
23Nationwide$744$62
23Allstate$827$69
23Indiana Farm Bureau$734$61
23Farmers$1,042$87
23USAA$269$22
24Geico$307$26
24Auto-Owners$394$33
24Travelers$450$38
24Progressive$501$42
24State Farm$454$38
24Indiana Farmers Insurance$501$42
24Nationwide$702$59
24Indiana Farm Bureau$705$59
24Allstate$786$66
24Farmers$1,014$85
24USAA$257$21
25Geico$295$25
25Auto-Owners$359$30
25Travelers$397$33
25Progressive$450$38
25State Farm$408$34
25Indiana Farmers Insurance$483$40
25Indiana Farm Bureau$509$42
25Nationwide$630$53
25Allstate$750$63
25Farmers$741$62
25USAA$242$20
30Auto-Owners$238$20
30Geico$277$23
30State Farm$362$30
30Travelers$387$32
30Progressive$421$35
30Indiana Farmers Insurance$418$35
30Indiana Farm Bureau$485$40
30Nationwide$583$49
30Allstate$684$57
30Farmers$712$59
30USAA$214$18
35Geico$297$25
35Auto-Owners$247$21
35State Farm$359$30
35Indiana Farmers Insurance$383$32
35Progressive$414$35
35Travelers$384$32
35Indiana Farm Bureau$485$40
35Nationwide$572$48
35Allstate$681$57
35Farmers$712$59
35USAA$205$17
40Geico$260$22
40Auto-Owners$248$21
40Indiana Farmers Insurance$364$30
40State Farm$365$30
40Travelers$354$30
40Progressive$405$34
40Indiana Farm Bureau$485$40
40Nationwide$558$47
40Farmers$750$63
40Allstate$676$56
40USAA$199$17
45Geico$258$22
45Auto-Owners$242$20
45Indiana Farmers Insurance$356$30
45State Farm$368$31
45Travelers$354$30
45Progressive$404$34
45Indiana Farm Bureau$465$39
45Nationwide$540$45
45Farmers$687$57
45Allstate$672$56
45USAA$194$16
50Auto-Owners$232$19
50Geico$257$21
50Indiana Farmers Insurance$351$29
50State Farm$362$30
50Travelers$354$30
50Progressive$391$33
50Indiana Farm Bureau$446$37
50Nationwide$526$44
50Farmers$620$52
50Allstate$664$55
50USAA$189$16
55Auto-Owners$227$19
55Geico$256$21
55Travelers$335$28
55Indiana Farmers Insurance$352$29
55State Farm$353$29
55Progressive$384$32
55Indiana Farm Bureau$421$35
55Nationwide$512$43
55Farmers$572$48
55Allstate$648$54
55USAA$188$16
60Auto-Owners$233$19
60Geico$254$21
60State Farm$344$29
60Travelers$339$28
60Indiana Farmers Insurance$361$30
60Progressive$386$32
60Indiana Farm Bureau$421$35
60Nationwide$505$42
60Farmers$551$46
60Allstate$654$55
60USAA$188$16
65Geico$257$21
65Auto-Owners$253$21
65State Farm$344$29
65Travelers$371$31
65Progressive$407$34
65Indiana Farm Bureau$445$37
65Indiana Farmers Insurance$388$32
65Nationwide$512$43
65Allstate$659$55
65Farmers$598$50
65USAA$202$17
70Geico$273$23
70Auto-Owners$294$25
70State Farm$365$30
70Travelers$394$33
70Progressive$433$36
70Indiana Farm Bureau$445$37
70Indiana Farmers Insurance$444$37
70Nationwide$533$44
70Allstate$693$58
70Farmers$666$56
70USAA$232$19
75Geico$298$25
75Auto-Owners$350$29
75State Farm$408$34
75Travelers$431$36
75Indiana Farm Bureau$500$42
75Progressive$473$39
75Nationwide$572$48
75Indiana Farmers Insurance$548$46
75Allstate$765$64
75Farmers$757$63
75USAA$266$22
Read our methodology

Indiana minimum coverage cost by city

Lafayette drivers pay the least for minimum coverage in Indiana at $418. However, Hammond pay the most at $531.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Indiana.

CityAverage annual premiumAverage monthly premium
Lafayette$418$35
South Bend$430$36
Bloomington$431$36
Fort Wayne$440$37
Noblesville$445$37
Carmel$447$37
Fishers$455$38
Indianapolis$476$40
Evansville$480$40
Hammond$531$44
Read our methodology

Optional car insurance coverage in Indiana

Indiana requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

  • Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
  • Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
  • Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
  • Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
  • Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Indiana car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Indiana?

Yes, Indiana requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 25/50/25.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Indiana?

If you're caught driving without car insurance in Indiana, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.

Compare state minimum requirements with other states

Alabama
$433/year
Alaska
$398/year
Arizona
$516/year
Arkansas
$397/year
California
$551/year
Colorado
$437/year
Connecticut
$704/year
Delaware
$788/year
Florida
$993/year
Georgia
$577/year
Hawaii
$396/year
Idaho
$357/year
Illinois
$421/year
Iowa
$260/year
Kansas
$434/year
Kentucky
$606/year
Louisiana
$722/year
Maine
$335/year
Maryland
$727/year
Massachusetts
$511/year
Michigan
$654/year
Minnesota
$475/year
Mississippi
$463/year
Missouri
$488/year
Montana
$350/year
Nebraska
$331/year
Nevada
$720/year
New Hampshire
$397/year
New Jersey
$853/year
New Mexico
$421/year
New York
$731/year
North Carolina
$476/year
North Dakota
$349/year
Ohio
$362/year
Oklahoma
$408/year
Oregon
$641/year
Pennsylvania
$375/year
Rhode Island
$646/year
South Carolina
$720/year
South Dakota
$307/year
Tennessee
$442/year
Texas
$572/year
Washington, D.C.
$558/year
Show more
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