Indiana Car Insurance

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In Indiana, you must hold the minimum amount of liability insurance in order to drive your vehicle on public roads. If you are caught driving your car on public roads without meeting this requirement, your driver’s license will be suspended. Continue reading this article to learn more about Indiana car insurance requirements, programs, rates and discounts.

Car Insurance Requirements

Liability Coverage is a must for all Indiana drivers. The following are minimum amounts of liability insurance coverage:

  • $25,000 for bodily injury per person per accident
  • $50,000 for bodily injury if multiple people are injured per accident
  • $10,000 for property damage per accident.

Uninsured Motorist Coverage

Your Indiana car insurance policy must also include uninsured/underinsured motorist liability coverage. The minimum limits for uninsured motorist coverage is the same as those of liability coverage as shown above. This policy pays for injuries that result from an accident with a driver with inadequate insurance cover, or a driver without insurance. NOTE: You can opt not to purchase uninsured motorist coverage; however, this must be done in writing.

Optional Coverage

To protect you more financially after an accident, you are required to add several different types of car insurance coverage to your policy. You need to consider the following common optional coverage types when shopping for car insurance:

  • Collision – Helps you pay for damages caused by your car accident related to traffic
  • Comprehensive – Helps pay for damages caused by your car’s accident following non-traffic factors such as fire, collisions with animals and theft
  • Medical payments – Helps cover your medical costs due to injuries following your car accident
  • Rental reimbursement
  • Towing and labor
  • Emergency roadside service
  • Customized parts and equipment.

Proof of Indiana Car Insurance

Your insurance provider must submit a Certificate of Compliance if any of the following incidents occur:

  • You have committed a serious traffic violation
  • An accident report has been received by BMV for an accident in which you were involved
  • A traffic ticket has been issued to you within 1 year of previously receiving 2 tickets or more
  • You have violated traffic regulations when your license was previously suspended as a result of not providing proof of insurance.

This Certificate of Compliance guarantees that you have met the required Indiana car insurance requirements. Typically when the above situations occur, BMV will send you a notice through mail. You will then be required to submit the certificate to BMV through your car insurance provider to provide proof that your car was insured at the time of the incident. This certificate can be submitted electronically within 40 days of the date you receive the notice. If this certificate is not submitted in time, then your driver’s license will face suspension.

Insurance Violations

In Indiana, if you are caught driving without car insurance, you will face heavy penalties. If you are driving without minimum requirements, you will lose your driving privileges for 90 days. If you are convicted of insurance violation more than once in three years, you will lose your driving privileges for 1 year.


When you are convicted of violating insurance laws and as a result your driver’s license is suspended, you must file a form SR-22 when you seek license reinstatement. This form provides proof that you will maintain future financial responsibility. This form is filed through your car insurance company. SR-22 must be maintained for 3 years from the date of each suspension.

Uninsured Driver Database

If you are caught and convicted of violating car insurance laws, your name will feature in the Previously Uninsured Motorist Registry (PUMR) for 5 years. Those with names featuring in PUMR will always face random insurance verification selection.

Indiana Auto Insurance Plan

Drivers with poor driving records may have a difficult time in finding a car insurance company to insure their vehicles. If you find it hard to get a car insurance company through open market, you can apply for car insurance policy through the Indiana Auto Insurance Plan. This association helps high-risk drivers to get car insurance. But remember car insurance through Indiana Auto Insurance Plan comes with higher premiums because of the risks involved.

Questions and Concerns

The Indiana Department of Insurance (IDOI) Consumer Services Department is the body that offers consumer support related to Indiana car insurance. Through this body, you can resolve your insurance dispute or report suspected insurance fraud. However, this department cannot:

  • Get involved in a pending lawsuit
  • Act as your legal representative
  • Make medical decisions
  • Determine who was at fault after an accident.

Filing a Complaint

You must attempt to solve your car insurance dispute with your insurance provider. If the dispute is not resolved through this means, you can then report it to the IDOI through the following means:

  • Online through IDOI website
  • By faxing filled complaint form to (317) 234-2103
  • By mailing the Complete the complaint Form to: IDOI Attn: Consumer Services Department 311 W. Washington St, Suite 300 Indianapolis, IN 46204

Once you submit your car insurance complaint, it will be processed within 72 hours. You will receive a letter confirming that your complaint has been received. Your car insurance provider, within 20 days, will then be required to respond to your complaints in writing.

Determining Your Car Insurance Premium

Indiana car insurance providers use the following factors to determine your car insurance rates:

  • Your driving record
  • The make and model of your car
  • Your car insurance claim history
  • Your age, gender and marital status
  • Your deductibles
  • Your credit history
  • Where you live
  • How often you use your car and for which purposes
  • Driver training courses.

Car Insurance Discounts

One great way to save on car insurance is by looking for a car insurance company that offers discounts. You may get a discount if you are:

  • Paying your premium in full
  • Owning a home
  • Being a good student
  • Insuring multiple cars
  • Having certain safety devices
  • Being accident-free.

These discounts can save you a lot of money, but the best way to obtain cheap insurance for your car is by maintaining a clean driving record.

Most Stolen Cars in Indiana

If you are driving a car that is always targeted by thieves, you are likely to pay higher insurance rates. This is the 2013 list of the most stolen cars in Indiana according to

  1. Ford Taurus and Ford Pickup (Fill Size)
  2. Chevrolet Pickup (Full Size)
  3. Chevrolet Impala
  4. Chevrolet Pickup (Small Size)
  5. Dodge Pickup (Full Size)
  6. Chevrolet Malibu
  7. GMC Pickup (Full Size)
  8. Pontiac Grand Prix
  9. Jeep Cherokee/Grand Cherokee