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Indiana Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Indiana. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Indiana.

IN Auto Insurance Laws and Regulations:

Indiana Dept. of car insurance / Consumer Services Division
311 West Washington Street
Indianapolis, IN 46204

Minimum Car Insurance Coverage in IN:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$10,000 for damage to property

IN Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


IN Uninsured Penalties:

If you drive a vehicle in Indiana without the proper insurance coverage, you could have your driver's license suspended for 90 days. For drivers with multiple offenses within a three-year period, the driver's license suspension lasts for one year.

To have the license reinstated, the driver must pay a fee of $150 for a first offense, $225 for a second offense, and $300 for subsequent offenses. The driver must also present proof of valid current insurance at the time the license is reinstated.

Also, if you've been convicted of a traffic offense and one of the following applies, you'll also be required to show proof using the same system: - The moving violation is a misdemeanor or felony. - You've had two other moving traffic offenses in the past 12 months for which points were assigned. - You've had your license suspended before for failing to show proof of financial responsibility.


IN Department of Insurance Contact Information:

1-317-232-2395 or
Toll Free: 1-800-622-4461

IN State Insurance Department Website:





Directory of Indiana Auto Insurance Agents by County

Adams
Allen
Bartholomew
Benton
Blackford
Boone
Brown
Carroll
Cass
Clark
Clay
Clinton
Crawford
Daviess
Dearborn
Decatur
De Kalb
Delaware
Dubois
Elkhart
Fayette
Floyd
Fountain
Franklin
Fulton
Gibson
Grant
Greene
Hamilton
Hancock
Harrison
Hendricks
Henry
Howard
Huntington
Jackson
Jasper
Jay
Jefferson
Jennings
Johnson
Knox
Kosciusko
Lagrange
Lake
La Porte
Lawrence
Madison
Marion
Marshall
Martin
Miami
Monroe
Montgomery
Morgan
Newton
Noble
Ohio
Orange
Owen
Parke
Perry
Pike
Porter
Posey
Pulaski
Putnam
Randolph
Ripley
Rush
Scott
Shelby
Spencer
Starke
Steuben
St Joseph
Sullivan
Switzerland
Tippecanoe
Tipton
Union
Vanderburgh
Vermillion
Vigo
Wabash
Warren
Warrick
Washington
Wayne
Wells
White
Whitley

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