Cheap indiana liability insurance

Indiana Liability Insurance
Indiana Liability Insurance : Auto & SR22

Indiana Auto Insurance : All About Liability Insurance in Indiana

Minimum Liability Requirements to Register and Operate a Vehicle for Indiana:

Bodily Injury Liability Limits
$25,000 Per Person / $50,000 Per Accident / $25,000 Property Damage

Uninsured Motorist Bodily Injury Liability
$25,000 Per Person / $50,000 Per Accident


By Crystal Farley | Licensed Agent at | Powered by A Plus Insurance

Indiana Auto Insurance- What are the State Minimum Requirements?

Indiana Liability Insurance
2023 Cheap indiana liability insurance

Indiana liability insurance must meet the requirements set by the state. Per the states requirements, you are supposed to have $25,000 per person, $50,000 per accident and $25,000 for property damages. This will cover the other person if you are the one responsible for causing the accidnent.

The state also requires that you maintain the uninsured motorist bodily injury liability at the same limit, $25,000 per person, $50,000 per accident.

It is important to maintain at least the minimum requirements of liability car insurance in Indiana so that way if you are pulled over, in an accident, or even need to register your vehicle, you are ready.

Indiana State Minimum Liability Insurance 25/50/25Required
Uninsured BI & PD ProtectionRequired
Underinsured Motorist BI & PD ProtectionNot Required
Medical Payments to you and others in your vehicleNot Required
Comprehensive & CollisonNot Required

Is Indiana a No Fault State?

When you are in an accident, you want to make sure that you and your passengers, plus your vehicle, are covered with the proper insurance.

Indiana is NOT a no fault state. It is considered an “at-fault” state.

This means that liability must be established, and whichever driver causes the accident will use their insurance to pay for the person they have hurt or vehicle they have damaged.

Insurance companies in Indiana will work with the police to gather the available evidence to decide who will be the person at fault for the accident. I

How to find Cheap Liability Insurance – Indiana

As you search for you auto insurance, make sure to shop your rates thoroughly to ensure you have proper coverage and cheap insurance.

A great way to start looking for cheap auto insurance in Indiana is to get a broker to do some work for you.

They are able to search several insurance companies at once while providing you the best rate, with the best coverage.

A minimum liability insurance policy is one that will meet the state requirements, BUT, will be the cheapest form of insurance if you are concerned about your budget.

Indiana Liability Insurance
2023 Cheap indiana liability insurance

Non-Owners & Broadform Liability Insurance in Indiana

There are a number of reasons why a person might choose to only have the minimum requirements on their auto insurance policy.

One possible reason for only needing liability only, is if you don’t own a vehicle and barely drive.

IF this is the case, you could benefit from having a broad form or now owner’s policy, both of which will only let you have liability coverage.

Many people in search of the cheapest option of minimum insurance coverage should consider one of these policies.

Non Owners or Broad form Insurance CompanyAverage Monthly Rate
Progressive Insurance$111
The General$113
Bristol West$133
Mendota Ins. Company$161
State Farm$203
Acceptance RTR$231

Is Indiana Liability Insurance Enough?

There might be reasons why liability insurance only might not be enough.

For example, if you have a lienholder on a vehicle you purchased, they most likely require you to have full coverage, or at least comprehensive and collision on your policy.

If you are wondering if you should up your policy to full coverage, check out our calculator below. It might be worth looking into.

Should I Get Full CoverageCalculator


Last Updated on by Lauren Mckenzie