The Hoosier State

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Indiana Auto Insurance Coverage

Known across the country as being the home to the Indianapolis 500, Indiana has a rich history of celebrating the automobile. But, whether you're new in town or have deep roots in the Hoosier State, it's important to understand the auto insurance requirements in Indiana. 

Required Auto Insurance in Indiana

Indiana requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. Indiana requires the following minimum liability coverage:

  • Bodily Injury: $25,000 per person and $50,000 per accident.
  • Property Damage: $15,000 per accident.

Indiana Teen Driving Laws

At 15, Indiana teens may obtain a learner's permit before applying for their provisional driver's license. Teen drivers with a permit must complete the following requirements to be eligible for a driver's license: 

  • Driver's Education Program: Teens must complete a driver's education course if they are under 16-years and 90-days old. If over, they are not required to take an education course.
  • Driving practice: Teen drivers must log 50 hours of driving practice to receive their license, with 10 of those hours being at nighttime. 
  • Exams: To receive an Indiana driver's license, teen drivers must also pass a vision and road test.

Please be aware of additional requirements for Indiana teen drivers. 

Indiana Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in Indiana. Some examples of typical discounts include: 

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage Options in Indiana

No law in Indiana states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of expenses and situations.

Start your Indiana auto insurance quote online, or by calling (888) 772-4247.

Learn More About Indiana

A blue welcome Indiana road sign
About Indiana

Indiana was America's 19th state. Home to the Indianapolis 500 and vast acres of farmland, the Hoosier State offers a variety of attractions for all visitors and residents of the state.