What are the minimum Indiana auto insurance requirements?

Indiana drivers need liability coverage limits of at least:

  • $25,000 in bodily injury per person
  • $50,000 in total bodily injury per accident
  • $25,000 in property damage per accident

Choosing liability limits for your auto insurance doesn't have to be difficult. Learn more about how auto liability insurance works and what to consider when choosing your limits.

Comprehensive and collision coverage offers peace of mind

If your vehicle was a big investment for you, it's wise to add comprehensive and collision coverage. They can pay for the repair or replacement of your car if it's damaged in a covered accident or stolen. If you're leasing or financing a vehicle, most lenders in Indiana will mandate that you carry these coverages.

See more available coverages for car insurance.

Drivers nationwide who switch and save with Progressive save over $700 on average.* Get a car insurance quote today.

How much is car insurance in Indiana?

In 2017, Indiana was the ninth least expensive state for auto insurance, according to the Insurance Information Institute. Your rate can vary based on a wide variety of factors, including your driving history, ZIP code, plus the limits and coverages you choose. Learn more about the factors that impact car insurance prices.

Can I save even more with discounts from Progressive?

Absolutely. Here are just a few of our money-saving discounts:

  • Multi-car
  • Multi-policy
  • Five-year accident-free
  • Online quote
  • Distant student
  • Teen driver
  • Smart technology
  • Paperless

See all car insurance discounts.

Facts about driving & car insurance in Indiana

  1. An estimated 16.7% of drivers in Indiana were uninsured in 2015, making it the eighth highest state in the country for drivers without coverage. Consider uninsured motorist coverage to protect yourself if the other driver can't pay.

  2. Holding or using a cellphone while driving is illegal in Indiana. Avoid fines and distractions by using a hands-free device or saving the conversation for later.

  3. As of 2020, Indiana drivers ranked sixth for highest miles driven, with an average of 17,821 miles per year.

How to get car insurance in Indiana


We'll ask you a few questions, then you choose the coverages you need.

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