# Indiana car insurance: minimums, BMV insurance checks and what drivers pay

> How Indiana car insurance works: the required limits, when the BMV asks for proof, SR22 rules after a suspension, UM and UIM coverage and average costs.

Canonical page: https://statecover-guide.com/location/indiana/  
Last reviewed: October 28, 2026 by the StateCover Guide editorial team  
General information, not legal or insurance advice.

## Quick answer

Indiana requires liability car insurance of at least $25,000 per person, $50,000 per accident and $25,000 for property damage. After a crash or certain violations, the Bureau of Motor Vehicles asks for proof, and your insurer has 90 days to file it before your license is suspended. Indiana drivers spend less than the national average, $926.41 a year per insured vehicle in 2023.

## Key facts

| Fact | Indiana |
|---|---|
| Car insurance required | Yes |
| Bodily injury liability | $25,000 per person, $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Fault system | At-fault |
| Personal injury protection (PIP) | Not required |
| Uninsured motorist (UM) | Included unless rejected in writing (minimum $25,000/$50,000 bodily injury and $25,000 property damage) |
| Underinsured motorist (UIM) | Included unless rejected in writing (minimum $50,000 bodily injury) |
| Medical payments (MedPay) | Not required (optional) |
| Average expenditure (2023) | $926.41 a year (US: $1,281) |
| Uninsured drivers (2023) | 14.0% (US: 15.4%) |
| Insurance regulator | Indiana Department of Insurance, 1-800-622-4461; (317) 232-2395 |
| Motor vehicle agency | Indiana Bureau of Motor Vehicles |

## When the Indiana BMV checks your insurance

Indiana does not stop at the rule that every driver must be insured. The BMV actively asks for proof in these situations:

- it receives an accident report involving you;
- repeat violations: a pointable moving violation within 1 year of 2 other pointable moving violations;
- you are convicted of a serious traffic violation, such as a misdemeanor or felony;
- you commit any pointable violation after an earlier suspension for failing to prove insurance.

The BMV can also ask at any other time. One detail is easy to miss: the insurance card you show a police officer at the roadside is not sent to the BMV or noted on your record. The BMV's request comes later, by mail.

## What to do when the Indiana BMV asks for proof of insurance

1. Read the BMV letter and note the date it was mailed. The clock starts then.
2. Call your insurer and ask it to file a Certificate of Compliance (COC) with the BMV electronically. The COC must cover the vehicle and the date of the crash or violation.
3. Make sure the BMV receives and processes the COC within 90 days of the mailing date, or your driving privileges are suspended.
4. If a suspension has already started, a COC covering the date of the incident can still remove it from your record.
5. Check your record through your myBMV account to confirm the filing was processed.

If you were not insured on that date, there is no COC to file, and the suspension stands. See [car insurance after an accident](https://statecover-guide.com/drivers/after-an-accident/) for the claim side of the same crash.

## SR22 after an insurance suspension

When a license is suspended for an insurance violation or certain court offenses, Indiana may require SR22 insurance to restore driving privileges. Your insurer files the SR22 with the BMV electronically. It proves you carry at least the state minimum, and the insurer cannot cancel it without telling the BMV.

For an insurance suspension, the SR22 requirement is met after 180 consecutive days of coverage. If the insurer reports a cancellation (an SR26) or there is any gap during that period, the BMV suspends your license again until a new SR22 is on file. Drivers who move out of Indiana can sometimes waive certain SR22 requirements with an Out of State Residency Affidavit; the BMV lists the exceptions.

An SR22 often comes with higher premiums, because insurers price the violation behind it as a risk. Our [SR-22 guide](https://statecover-guide.com/drivers/sr-22/) and [high risk driver](https://statecover-guide.com/glossary/high-risk-driver/) glossary entry explain the options, including [non-owner car insurance](https://statecover-guide.com/drivers/non-owner/) if you do not own a car.

## UM and UIM coverage in Indiana

Indiana policies include uninsured and underinsured motorist coverage unless you reject them in writing:

| Coverage | Indiana rule |
|---|---|
| Uninsured motorist (UM) | Included unless rejected in writing (minimum $25,000/$50,000 bodily injury and $25,000 property damage) |
| Underinsured motorist (UIM) | Included unless rejected in writing (minimum $50,000 bodily injury) |

The Insurance Research Council estimates 14.0% of Indiana drivers were uninsured in 2023, a little below the national 15.4%. UIM matters too: a driver with only the minimum has $25,000 of injury coverage per person. The [uninsured motorist guide](https://statecover-guide.com/coverage/uninsured-motorist/) explains what you give up by signing a rejection.

## How much Indiana drivers spend on auto insurance

| Measure (2023) | Indiana | United States |
|---|---|---|
| Average expenditure per insured vehicle | $926.41 | $1,281 |
| Roughly per month | $77 | $107 |
| Combined average premium (liability, collision, comprehensive) | $1,031.86 | $1,438 |

Both figures are below the national averages. The Indianapolis page is listed below. To compare quotes on equal terms, use the [coverage checklist](https://statecover-guide.com/tools/coverage-checklist/) and see how the [deductible](https://statecover-guide.com/saving/deductible/) changes the price.

## Miles driven and crash deaths in Indiana

IIHS counted 832 traffic deaths in Indiana in 2024. The rate per person, 12.0 per 100,000 people, was above the national 11.5 per 100,000 people, while the rate per mile driven, 0.94 per 100 million miles, was below the US 1.19 per 100 million miles. That combination points to more miles driven per resident than the national average. 59% of deaths happened on rural roads (US: 41%).

Neighboring states handle insurance differently. Compare [Illinois](https://statecover-guide.com/location/illinois/), [Michigan](https://statecover-guide.com/location/michigan/), [Ohio](https://statecover-guide.com/location/ohio/) and [Kentucky](https://statecover-guide.com/location/kentucky/).

## FAQ

### What is the minimum car insurance in Indiana?

Indiana requires $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability. UM and UIM are included unless you reject them in writing.

### What is a Certificate of Compliance in Indiana?

It is an electronic filing from your insurer to the BMV showing that you and the vehicle were insured on the date of a crash or violation. The BMV must receive it within 90 days of its request.

### How long do I need an SR22 after an insurance suspension in Indiana?

For an insurance suspension, the requirement is met after 180 consecutive days of SR22 coverage. Other suspensions can carry longer requirements, so check your BMV notice.

### Does showing my insurance card to the police update my BMV record?

No. The BMV says insurance information given to an officer is not sent to the BMV or noted on your driving record. If the BMV later asks for proof, your insurer must file it.

### Is Indiana a no-fault state?

No. Indiana is an at-fault state, PIP is not required and MedPay is optional. The driver who causes a crash is responsible for the damage through their liability coverage.

## Sources

- [Indiana Bureau of Motor Vehicles, Proof of Financial Responsibility](https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/proof-of-financial-responsibility/) — minimum limits, when the BMV requests proof, Certificate of Compliance, SR22 rules
- [Indiana Department of Insurance, Auto Insurance](https://www.in.gov/idoi/consumer-services/types-of-insurance/auto-insurance/) — UM and UIM rules
- [Alabama Department of Insurance, State Auto Insurance Laws](https://www.aldoi.gov/Consumers/StateAutoLaws.aspx), as of October 28, 2026
- [Insurance Information Institute, Facts + Statistics: Uninsured motorists](https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists), as of October 28, 2026
- [Indiana Department of Insurance, Consumer Services](https://www.in.gov/idoi/consumer-services/), as of October 28, 2026
- [Indiana Bureau of Motor Vehicles, Home page](https://www.in.gov/bmv/), as of October 28, 2026
- [IIHS, Fatality Facts 2024: State by state](https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state), as of June 1, 2026
- [NAIC, 2022/2023 Auto Insurance Database Report](https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf), as of February 13, 2026
- [NAIC, 2022/2023 Auto Insurance Database Report](https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report), as of February 13, 2026
- [Insurance Research Council, Uninsured and Underinsured Motorists: 2017–2023 (press release)](https://www.businesswire.com/news/home/20250220231032/en), as of February 20, 2025