Car Insurance Liability Requirements in Indiana
Minimum Liability Limits in IN: 25/50/10 [ 4]
25 Required coverage up to $25,000 for one individual injured in an accident
50 Required coverage up to $50,000 for all persons injured in an accident
10 Required coverage up to $10,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Indiana
Auto Insurance Coverage Requirements in IN [ 4]
Bodily injury liability coverage Property damage liability coverage Car Insurance Verification Laws in Indiana
Insurer Verification of Auto Insurance in IN [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
Indiana Car Insurance Facts, Estimates & Related Laws
Indiana Car Insurance Facts
Average Car Insurance Rates in IN
Indiana had the 41st highest auto insurance rates in the nation in 2010.
[ 2] Rates in IN ranked 42nd in the nation in 2009.
[ 2] In 2008, IN had the 43rd highest rates in the country.
Number of Auto Insurance Policies in IN
Indiana ranked 14th in the nation in auto insurance policies in 2011 with a total of 4,467,521.
Uninsured Motorist Rate in IN
The uninsured motorist rate in IN ranked 10th in the nation in 2009.
Indiana Distracted Driving Laws
Hand-held phone ban? No
Texting-while-driving ban? Yes Texting-while-driving ban in place for all drivers. [ 7]
Young drivers cell phone ban? Yes Ban applies to drivers younger than 18. [ 7]
Bus driver cell phone ban? No
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Indiana Automotive Laws
Safety Belt Laws in IN
Safety belt laws have been in place since 1987 and apply to drivers/passengers 16+ years in all seats.
[ 7] Child restraint law in place for 7 years and younger.
Motorcycle Helmet Laws in IN
Motorcycle helmets required for 17 and younger.
Driver's License Renewal Cycle in IN
Renewal cycle: 6 years
Indiana Auto & Driver Facts
Indiana Automotive Facts
Speed Limits in IN
Rural interstates: 70 mph (Trucks: 65 mph)
[ 7] Urban interstates: 55 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in IN
Indiana cities collectively ranked 13th in the nation in total motor fuel consumption in 2011.
Indiana Licensed Drivers
Licensed Drivers in IN [ 10]
Total Drivers: 6,569,665
IN has the 9th most drivers in the U.S.
Minimum Driving Age in IN [ 5]
Indiana has a minimum driving age of 15 years.
Indiana Auto Registrations
Auto Registrations in IN [ 8]
Registered Cars: 2,882,224
Registered Trucks: 3,024,623
Registered Motorcycles: 204,407
Total Registrations: 6,132,772
Rank: Indiana ranked 13th in the United States in total auto registrations in 2011.
Additional information about Indiana
Indiana has a population of approximately 6,483,802, which ranks 16th in the U.S. among all states.
More about Indiana auto insurance
For more information about auto insurance in IN, or for additional resources regarding
Indiana car insurance, visit the Indiana Department of Insurance.
Did you know?
Under primary laws, an officer can ticket a driver for the offense (such as texting) without another traffic violation occurring.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration