Skip the auto shop - Our mechanics make house calls

Insurance Requirements for Car Registration in Indiana

Insurance Requirements for Car Registration in Indiana

In order to drive a vehicle legally in the state of Indiana, you are required to renew your vehicle registration every year at the Bureau of Motor Vehicles. In order to do so, you must provide proof that you are carrying the required liability insurance.

The minimum liability insurance required for vehicle owners under Indiana law is as follows:

  • $10,000 for Property Damage Liability, which covers damage caused to another’s property by your vehicle (such as buildings or road signs).

  • $25,000 for Bodily Injury insurance per person; this means that the total minimum a driver must carry for Bodily Injury insurance of $50,000, to cover the lowest possible number of people involved in an accident (the two drivers).

This means that the total liability insurance required is $60,000 for Indiana drivers.

Indiana law also requires Uninsured Motorist and Under-Insured Motorist insurance, which covers the costs of an accident involving a driver who did not carry the proper amount of legally required insurance. The minimum amounts for each type are as follows:

  • Uninsured Motorist insurance must be equal to the minimum requirement for total liability insurance in Indiana ($60,000).

  • Under-Insured Motorist insurance must be $50,000

Other types of insurance

While these types of liability insurances are the only required types, Indiana does recognize other types of insurance for additional coverage. These include:

  • Medical Payments coverage, which covers the costs of medical or funeral expenses that were the result of an auto accident.

  • Comprehensive insurance, which pays for damage to your vehicle that was not the result of an accident (such as weather-related damage).

  • Collision Insurance, which covers the cost of damage to your vehicle that is the direct result of an automotive accident.

  • Rental Reimbursement, which pays for the use of a rental while your vehicle is being fixed after an accident.

  • Gap Coverage, which covers the remaining payments on a lease or auto loan if the value of a totaled car was less than what was still owed.

  • Custom Parts and Equipment coverage, which pays for the cost of replacing custom upgrades on a vehicle that were damaged in an accident.

Certificate of compliance

In Indiana, insurance companies are required to report to the state BMV in the event that a driver is issued a ticket, or is involved in an accident. This certificate is used as proof of insurance, to show the state that the driver is maintaining their legally required insurance minimums. In the event that this certificate is not filed within 40 days of the date, the BMV will send a request, and you could face a suspension of your driver’s license.

Violation penalties

Driving without insurance in Indiana can result in a loss of driving privileges for up to a full year.

If you are convicted of a reckless driving charge, such as a DUI, you may also be required to carry an SR-22 Proof of Financial Responsibility document, which verifies that you have the required liability insurance from an authorized insurer.

For more information, contact the Indiana Bureau of Motor Vehicles on their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

How Long Does a Heater Control Valve Last?
Keeping the right amount of coolant in a car is essential in keeping the engine at the right temperature. Failing to have the right amount of coolant or even bad elements...
How Long Does a Fuel Filler Neck Last?
Getting gas from the pump to your gas tank is the only way to keep a car going. The fuel filler neck is a metal tube that is welded to the...
How Long Does a Throttle Return Spring Last?
Not all vehicles on the road feature an electronic throttle control (ETC), which is also called drive-by-wire. For vehicles that don't offer this system, they have a throttle cable instead that...


Related questions

Q: what would be the average cost to own my vehicle over a ten year period

Typical "lifecycle" vehicle ownership and operation costs, such as you are inquiring about, are calculated on a 5 year interval. Going out 10 years has too much inherent uncertainly in inflation projections, and the costs of fuel, insurance, and repairs....

Q: What is "diminished value" as it refers to a totaled car?

Hi, thanks for writing in. The insurance company can use "diminished value" for a number of reasons. The overall condition of the vehicle not including the wreck, above average mileage, etc. I would ask them what criteria they are using...

Q: Do I need gap insurance?

Gap insurance is designed to cover the difference between what is owed on the vehicle (your car loan) and what the insurance company may pay out in the event of an accident or loss. Any example might be a situation...