Indiana car insurance
Although you may not be circling the track on the Indianapolis Motor Speedway, it's important to know about Indiana auto insurance requirements so you can find the right coverage that meets your needs. Whether you drive in Fort Wayne or Fishers, learn about car insurance in the Hoosier State from Progressive.
Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.
What are Indiana's minimum auto insurance requirements?
Drivers in Indiana are required to have auto liability coverage (BI liability and PD liability), at the following minimum limits:
| Coverage | What it covers | Minimum amount |
|---|---|---|
| Bodily injury liability | What it coversInjuries you cause to others in an accident | Minimum amount$25,000 per person $50,000 per accident |
| Property damage liability | What it coversDamage you cause to other people's property in an accident | Minimum amount$25,000 per accident |
While these are Indiana's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.
Is Indiana a no-fault state?
No. Indiana is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.
How much is car insurance in Indiana?
In 2023, the cost of a Progressive liability-only auto policy (single driver/single car) in Indiana was an average of $84 per month.* 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.
Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.† Get an auto insurance quote today.
What is the best car insurance in Indiana?
If you're looking for the cheapest car insurance in Indiana, here's how much drivers countrywide who save after switching to Progressive save on average compared to their previous auto insurer:
- Allstate customers who switch and save with Progressive save $775 on average††
- GEICO customers who switch and save with Progressive save $740 on average§
- State Farm customers who switch and save with Progressive save $565 on average‡
How do I lower my car insurance cost in Indiana?
To lower your car insurance cost in Indiana, you may qualify for the following discounts through Progressive:
- Multi-car
- Multi-policy
- Five-year accident-free
- Online quote
- Distant student
- Teen driver
- Paperless
See all our auto insurance discounts.
Pro tip:
Save when you bundle! One way to get cheap car insurance in Indiana is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.†
Additional car insurance coverages to consider
If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Indiana's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.
Explore all our car insurance coverages, and our car insurance calculator, to find which ones are recommended for you.
Indiana driving resources
From Indianapolis to South Bend, get to know Indiana's driving laws and resources. These resources apply to Carmel, Bloomington, and everywhere in between. Local municipalities may have additional laws and resources.
- Indiana Bureau of Motor Vehicles: Find out how to get or renew your Indiana license and registration.
- Indiana safe driving tips: Review Indiana DoT's resources on crash prevention, defensive driving tips, what to do after an accident, and more practical driving tips.
- Additional Indiana BMV resources: Learn about driver's license types, how to renew or replace a license, how to schedule a driving test, and other essential driver services.
- Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.
How to get car insurance in Indiana
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