Minimum car insurance in Indiana.
What Indiana requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Indiana, the minimum liability limits are written 25/50/25 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $25,000 for property damage.
How the system works
Indiana is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. UM/UIM must be offered and is included unless rejected in writing.
What the minimum means in practice
Say a crash you cause injures three people. The Indiana minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $25,000.
If you drive without insurance in Indiana
Indiana's BMV imposes driving-privilege suspensions and reinstatement fees of $250 for a first no-insurance suspension, $500 for a second and $1,000 for a third or later (for suspensions after January 1, 2015).
Proof of insurance
The BMV can request proof after an accident or certain violations, and the driver's insurer must electronically submit a Certificate of Compliance within 90 days or driving privileges are suspended.
SR-22 and similar filings
Indiana may require SR22 coverage to regain privileges, and for an insurance suspension the requirement is met after 180 consecutive days on file; filing an SR22 and keeping it active for 180 days can waive the reinstatement fee.
Also worth knowing in Indiana
An SR22 cannot be cancelled without the insurer filing an SR26 with the BMV 10 days before the cancellation date, and a missing SR22 during the required period triggers suspension.
Your state regulator
Indiana Department of Insurance is the official place for consumer questions and complaints about insurers.
Questions
Is Indiana a no-fault state?
Indiana is generally an at-fault state.