Indiana car insurance

Common questions about Indiana
auto insurance

Need car insurance in Indiana? Whether you live in Indianapolis or Fort Wayne, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Indiana auto insurance, so you only pay for what you need.

What car insurance is required in Indiana?

In Indiana, it's illegal to drive without insurance. Drivers in Indiana are required to have car insurance coverage for

Bodily Injury to others
Property Damage
Uninsured /Underinsured Motorist Bodily Injury
Uninsured Property Damage

Here are the minimum auto insurance limits drivers must have in Indiana.²

Coverage	Amount
Bodily Injury to others	$25,000 per person and $50,000 per accident
Property Damage Liability	$25,000 per accident
Uninsured Motorist Bodily Injury Coverage	$25,000 per person and $50,000 per accident
Uninsured Property Damage	$25,000 per accident
Underinsured Motorists Bodily Injury	$50,000 per accident

Check out the Indiana Department of Insurance for more details.

What's considered "full coverage" car insurance in Indiana?

"Full coverage" car insurance can mean different things to different people. Legally, in the state of Indiana you're only required to have the state Liability minimums of 25/50/25.

However, “full car insurance” or "full coverage" is often thought of as having the state minimums and

Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car

For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.

You may also hear about Indiana PLPD insurance. This is just the 2 liability insurance types combined into one.

PL: Personal Liability (or Bodily Injury Liability)
PD: Property Damage Liability

As PLPD only covers injuries and damages to others, these wouldn't be considered full coverage.

Don't sacrifice coverage for cheap car insurance. We'll make sure you get the coverage you need at a great price in Indiana! Get an online auto insurance quote today.

Do you need insurance to register a car in Indiana?

Yes, to register your vehicle in the state of Indiana you need car insurance.

In general, to register a vehicle in Indiana you need

A completed Application for Certificate of Title (Form 205)
Your Indiana driver's license
Original vehicle title
Social Security number
Proof of vehicle inspection, if necessary
Payment for titling and registration fees
Proof of Indiana car insurance
Proof of residency

What's the average cost of car insurance in Indiana?

The average cost of car insurance in Indiana was $1,658³ in 2024 according to thezebra.com. That's 24% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Indiana auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

Who has the cheapest car insurance in Indiana?

Getting the cheapest car insurance in Indiana may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴