Indiana Car Insurance Quotes

Indiana state law requires minimum coverage of:

• $25,000 for bodily injury or death to one person.
• $50,000 total per accident for bodily injury or death.
• $10,000 for damage to property.

The state of Indiana follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.

Fines and Penalties

A driver who operates a vehicle without automobile liability insurance policy is subject to a minimum 90-day driver's license suspension. To reinstate their driver's license, a driver must provide proof of insurance signed by an insurance agent, and pay a reinstatement fee of $150, $225, or $300, depending on whether it is a first, second, third or subsequent offense. Beginning January 1, 2010, all Hoosier motorists convicted of operating a vehicle without insurance or who have received a judgement for failing to pay damages as a result of an accident will automatically be entered in the BMV's Previously Uninsured Motorist Registry. Motorists who are entered in the Registry may be requested to provide current proof of financial responsibility.