Indiana Car Insurance
Indiana drivers must carry 25/50/25 liability under Ind. Code § 9-25-4-51. UM and UIM are a must-offer under Ind. Code § 27-7-5-2 at 25/50 UM BI + $10,000 UMPD and 50/50 UIM BI2, with written rejection required to decline. Indiana is a traditional tort state and does not require PIP4.
YesWeSure Bottom Line
Traditional tort state. Indiana does not require PIP. First-party medical bills typically flow through health insurance or optional MedPay; tort recovery against the at-fault driver remains the primary mechanism4.
UM/UIM default is on. Every Indiana personal auto policy includes UM and UIM unless the named insured rejects the coverage in writing2. Rejecting in writing is a choice, not an oversight.
How to make a real decision. Treat 25/50/25 as a floor, not a target. For how to think about higher limits, see how to choose coverage limits.
State requirements at a glance
What Indiana car insurance law requires
Minimum liability limits
25 / 50 / 251
$25,000 bodily injury per person, $50,000 per accident, $25,000 property damage per accident, under Ind. Code § 9-25-4-5. Prior minimums of 25/50/10 were raised effective July 1, 2017.
Personal Injury Protection (PIP)
Not required4
Indiana is a traditional tort state. No PIP is required on personal auto. Medical Payments coverage is an optional first-party add-on insurers typically offer.
Uninsured / Underinsured Motorist
Must offer; 25/50 UM + $10K UMPD; 50/50 UIM2
Ind. Code § 27-7-5-2 requires every Indiana personal auto policy to include UM (25/50 BI and $10,000 property damage) and UIM (50/50 BI) unless the named insured rejects it in writing.
Coverage verification
Indiana BMV electronic verification3
Confirmed lapse under Ind. Code § 9-25-6-3 can trigger driver license and registration suspensions.
Rate approval regime
IDOI oversight4
Indiana does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
25/50/25 compulsory liability
Ind. Code § 9-25-4-5 compels every registered Indiana vehicle to carry 25/50/25 liability1. The property-damage minimum was raised in 2017 (prior minimum was $10,000). Many Indiana drivers carry higher limits.
PIP: not required in Indiana
Indiana does not require Personal Injury Protection. Medical Payments coverage is an optional first-party add-on that insurers typically offer. For how MedPay compares to PIP in states that require it, see our medical payments coverage guide.
UM and UIM must-offer under Ind. Code § 27-7-5-2
Every Indiana personal auto policy must include UM at 25/50 BI + $10,000 property damage and UIM at 50/50 BI unless the named insured rejects the coverage in writing2. UM/UIM may be purchased at higher limits.
BMV verification and lapse enforcement
The Indiana Bureau of Motor Vehicles administers the state insurance-verification program5. A confirmed lapse under Ind. Code § 9-25-6-3 can trigger driver license and registration suspensions3. For a general lapse treatment, see our after-a-lapse guide.
Rating-factor landscape
Indiana does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age4.
Where the Indiana situation rules live on YesWeSure
This State Guide owns the Indiana pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Indiana SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. BMV consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Indiana. New-resident registration is treated in our moving-to-another-state guide.
What we verified for this page
- Strong25/50/25 minimum liability verified against Ind. Code § 9-25-4-5. Minimums were raised from 25/50/10 effective July 1, 2017.
- StrongIndiana is a traditional tort state (no PIP) verified against the IDOI consumer guide. Consistent with the frozen YesWeSure medical-payments guide; no conflict.
- StrongUM/UIM must-offer under Ind. Code § 27-7-5-2 verified against the statute. UM 25/50 BI + $10K PD; UIM 50/50 BI; written rejection required to decline.
- StrongIndiana BMV electronic verification under Ind. Code § 9-25-6-3 verified against the statute and the Indiana BMV consumer page.
- LimitedDeliberately omitted from V1. An Indiana modeled cost anchor; carrier-specific IN underwriting; the exact SR-22 duration (deferred to the after-a-DUI guide); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." An Indiana-licensed reviewer is tracked as a pre-launch YMYL item.
Ready to compare Indiana quotes at or above the compulsory limits?
Compare Indiana car insurance quotesYesWeSure may receive compensation when readers use quote-comparison links. Compensation does not influence the statutory or regulatory information on this page or the sources cited above. See our advertiser disclosure and editorial standards.
Common questions
What is the minimum car insurance required in Indiana?
25/50/25 liability under Ind. Code § 9-25-4-51. UM/UIM is a must-offer and ships on the policy unless rejected in writing2.
Is Indiana a no-fault state?
No. Indiana is a traditional tort state and does not require PIP4.
Is UM/UIM required in Indiana?
UM and UIM are must-offer. Every Indiana personal auto policy includes UM at 25/50 BI + $10K PD and UIM at 50/50 BI unless the named insured rejects the coverage in writing under Ind. Code § 27-7-5-22.
Sources & methodology
- Ind. Code § 9-25-4-5: compulsory motor vehicle liability insurance; 25/50/25 minimum limits effective July 1, 2017. (Indiana General Assembly, TIER 1)
- Ind. Code § 27-7-5-2: Uninsured and Underinsured Motorist must-offer; written rejection required. (Indiana General Assembly, TIER 1)
- Ind. Code § 9-25-6-3: penalties and license/registration suspension for operation without the required insurance. (Indiana General Assembly, TIER 1)
- Indiana Department of Insurance: Automobile Insurance consumer page. (Indiana Department of Insurance, TIER 1)
- Indiana BMV: Financial Responsibility consumer page. (Indiana Bureau of Motor Vehicles, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: What is medical payments coverage? (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Indiana Code, Indiana Department of Insurance, Indiana BMV). Every legal number traces to an Indiana primary source: Ind. Code §§ 9-25-4-5, 9-25-6-3, 27-7-5-2. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .