IN Auto Insurance and your Mandatory Obligations

Road users in Indiana can be stopped at any time by a law enforcement officer for a routine check. State law requires all vehicle owners to offer proof of insurance upon request. IN auto insurance laws make it mandatory for all insured drivers to carry their card inside the vehicle at all times.

The minimum state requirements for IN auto insurance are as follows:

  • $25,000 worth of bodily injury liability per person
  • $50,000 worth of bodily injury liability per accident
  • $10,000 worth of property damage liability
  • $25,000 worth of uninsured/underinsured motorist coverage per person
  • $50,000 worth of uninsured/underinsured motorist coverage per accident

IN auto insurance is somewhat unique in that drivers can waive their commitments to uninsured/underinsured motorist coverage. However, any accident caused by a driver without sufficient IN auto insurance coverage in place will see the policyholder paying for repairs from their own pocket. Road users must waive their rights to uninsured/underinsured motorist coverage in writing to their local Department of Motor Vehicles.

Strong penalty deterrents are in place for road users who drive without the correct IN auto insurance coverage in place.  Licenses can be suspended for a period of 90 days and persistent offenders can lose their driving privileges for up to one year.  Before a driving license can be reinstated, a penalty fee must be paid and these rise incrementally based on the number of offences committed. Offenders must also provide recent proof of an IN auto insurance purchase before privileges are restored.