State guide
Car Insurance in Indiana
Updated August 2026
Indiana is an at-fault state with 25/50/25 minimum liability limits: $25,000 of bodily injury coverage per person, $50,000 per accident, and $25,000 for property damage — one of the higher property damage floors in the region. No PIP is required; the driver who causes a crash pays for it through their liability coverage.
What's distinctive about Indiana is how the state polices coverage after the fact. Rather than continuously monitoring every policy, the Bureau of Motor Vehicles demands proof of financial responsibility from specific drivers at specific moments — after a reported accident, a pattern of moving violations, or a serious offense — and suspends driving privileges when the proof doesn't arrive. Knowing how that system works is half of staying legal in Indiana; paying a fair price for the required coverage is the other half.
| Coverage | Required minimum |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Property damage liability | $25,000 |
| PIP / medical | Not required (at-fault state) |
| No-fault state | No |
| SR-22 used | Yes |
Source: Ind. Code art. 9-25 (financial responsibility); Indiana Bureau of Motor Vehicles
Average annual expenditure for auto insurance in Indiana was $814.49 in 2022. (NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024))
The BMV's Certificate of Compliance system
When the BMV receives an accident report, sees a third pointable moving violation within a year, or records a serious traffic offense, it mails the driver a request for financial responsibility verification. Your insurer must then electronically file a Certificate of Compliance (COC) confirming you and the vehicle were insured to at least 25/50/25 on the date in question.
The deadline matters: the BMV must receive and process the COC within 90 days of mailing its request, or your driving privileges are suspended. The fix is the same either way — your insurer files the COC covering the incident date — but doing it inside the window avoids the suspension entirely. The BMV can also request proof of financial responsibility at any time, even outside those trigger events.
SR-22s and SR-50s in Indiana
For insurance-related suspensions and certain court-related convictions, Indiana requires an SR-22 — proof of future financial responsibility that your insurer files electronically and cannot cancel without notifying the BMV. For insurance suspensions, the SR-22 requirement is satisfied after 180 consecutive days of coverage; other cases carry three- or five-year filing periods. Indiana also uses an SR-50 affidavit of current insurance in some reinstatement situations, and former residents can waive certain filing periods with an out-of-state residency affidavit.
Carriers treat the violations behind an SR-22 very differently when pricing the policy, so the spread between quotes for the same Indiana driving record is usually widest exactly when a filing is required — which makes that the most valuable moment to compare.
Beyond the minimums
The 25/50/25 floor is the legal minimum, not a benchmark: a multi-car crash on an Indianapolis interstate can exceed $25,000 in property damage alone. Optional coverages — higher liability limits, uninsured/underinsured motorist, collision, comprehensive — layer on top. Nationally, 15.4% of drivers were uninsured in 2023 (Insurance Research Council), which is the case for keeping uninsured motorist coverage in the package. Indiana's average premiums run below the national average ($814.49 versus $1,126.94 in 2022, per the NAIC), leaving room in most budgets to price limits above the floor.
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Frequently asked questions
What car insurance is required in Indiana?+
Liability coverage of at least $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage (25/50/25), per the Indiana BMV. Indiana is an at-fault state, so no PIP is required.
What is a Certificate of Compliance (COC) in Indiana?+
It's an electronic filing your insurer sends the BMV proving you were insured on a specific date — typically after an accident or repeat violations. If the BMV doesn't receive it within 90 days of requesting it, your driving privileges are suspended.
Does Indiana use SR-22s?+
Yes. Indiana requires SR-22 filings after insurance suspensions and certain convictions. For insurance suspensions the requirement is satisfied after 180 consecutive days of coverage; other cases require three- or five-year filings. Indiana also uses the SR-50 affidavit of current insurance.
Is Indiana a no-fault state?+
No. Indiana is an at-fault (tort) state: the driver who causes the accident is responsible for the resulting injuries and damage, paid through their liability coverage.
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