Indiana Car Insurance Minimum Requirements
Indiana requires at least 25/50/25 liability coverage. That is $25,000 for injuries to one person, $50,000 per accident and $25,000 for property damage.
- Shorthand
- 25/50/25
- Bodily injury — per person
- $25,000
- Bodily injury — per accident
- $50,000
- Property damage
- $25,000
Raised from $10,000 on July 1, 2018 (IC 9-25-4-5(3)).
- Uninsured / underinsured motorist
- Must be offered; rejectable in writing
Insurers must offer uninsured and underinsured motorist coverage at limits equal to your bodily injury liability limits unless the named insured rejects it in writing (IC 27-7-5-2). Underinsured motorist coverage cannot be sold below $50,000, and uninsured motorist property damage is available only alongside uninsured motorist bodily injury.
Indiana sets $25,000 — higher than 23 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.
How Indiana compares with every other state
What these numbers buy you
Those first two numbers are two different walls, and drivers regularly mistake them for one. $25,000 is the most the policy pays for any single person's injuries. $50,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $25,000 is all your insurer owes, however large the bill. Injure three people and they divide $50,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.
The $25,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 2 states on this site set a higher one. Whatever the repair or replacement actually costs above $25,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.
None of this is what Indiana drivers actually spend. The average premium written per insured vehicle here was $357 in 2023, 40th highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.
Carrying the minimum is legal, not safe. It is the line below which Indiana will not let you drive — and the penalties for falling under it are on the driving uninsured page.
Common questions
Is uninsured motorist coverage required in Indiana?
Must be offered; rejectable in writing.
Is full coverage required in Indiana?
No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Indiana law requires. A lender or leasing company will usually require them until the car is paid off.
Every statute cited for Indiana
Why the rule looks like this
- What Changed in 2026Liability minimums doubled in Hawaii, two states dropped pure comparative fault, New Hampshire stopped inspecting cars, and three crash reporting thresholds moved — a dated account of the 2026 changes, and the ones already signed for 2027 and beyond.
- Fifteen Thousand Dollars, or Two Hundred and Fifty ThousandThe legal minimum for injuring one person in a crash ranges from $15,000 in Pennsylvania to $250,000 in Michigan — and in Florida there is no bodily injury requirement at all.
More on Indiana
Checked against the primary sources above on September 22, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.