Indiana insurance regulates under a tort system.  This requires all drivers to carry a minimum amount of liability insurance in case of an accident.  Under the tort system, whoever is responsible for an accident is responsible for all medical expenses and damage costs to the vehicle.  However, it is recommended to carry collision and comprehensive coverage, which covers a driver if they cause the accident.  Also, uninsured motorist coverage is recommended in case you are hit by an uninsured driver.

Q: “What is the minimum amount of auto insurance coverage that I need in Indiana?”

In Indiana, the only insurance required is a minimum amount of liability coverage.  The minimum amount is $25,000 to cover minimum expenses for a single occupant driver, $50,000 for medical expenses for more than one occupant, and $10,000 to cover property damages.  In the event a driver is deemed responsible for an accident, liability polices cover those expenses.  Again, these are minimum amounts, and a driver should get multiple quotes in deciding what type of coverage is needed.

Compare Indiana Car Insurance Rates Online

Indiana drivers have, on average, pretty low auto insurance rates.  Make sure you get a good deal by getting multiple quotes from different insurance companies.   Go to autoinsurancebystate.com and you can get multiple quotes from the top auto insurance companies just by putting your zip code in.  In less than two minutes you can apply online and get instant quotes.

Current Providers in Indiana

For More Information

Indiana Department of Insurance
311 West Washington St.
Indianapolis, IN 46204-2787
Phone: (317) 232.2395