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Indiana Minimum Car Insurance and Penalties for Driving Without It
The short answer
Indiana requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25).
Indiana at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25) |
|---|---|
| Other required coverage | No other coverage is required besides liability. |
| First offense for driving uninsured | The BMV suspends your driving privileges, and no-insurance suspensions starting on or after December 31, 2021 are indefinite. The suspension can be stayed when the BMV receives an SR-22 and ends once you keep the SR-22 continuously for 180 days. The reinstatement fee is $250 for a first no-insurance suspension, waived if you keep the SR-22 for 180 days. |
| Repeat offense | The same indefinite suspension and 180-day SR-22 path apply. The reinstatement fee is $500 for a second no-insurance suspension and $1,000 for a third or later one. |
| Fee to restore after a lapse | $250 for a first, $500 for a second, and $1,000 for a third or later no-insurance suspension (suspensions after January 1, 2015). The fee can be avoided by keeping an SR-22 continuously for 180 days. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Indiana?
Indiana requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25).
What happens if you drive without insurance in Indiana?
The BMV suspends your driving privileges, and no-insurance suspensions starting on or after December 31, 2021 are indefinite. The suspension can be stayed when the BMV receives an SR-22 and ends once you keep the SR-22 continuously for 180 days. The reinstatement fee is $250 for a first no-insurance suspension, waived if you keep the SR-22 for 180 days.