Indiana Auto Insurance Requirements

It is mandatory to carry insurance in order to drive legally in the state of Indiana in a vehicle that has a license plate. If you do not carry insurance, the consequences could cost you much more than a monthly premium. Each state has its own guidelines for what is a sufficient amount of minimum insurance for an owner of a vehicle to carry. In Indiana the guidelines are $25,000 for injury of one person, $50,000 for more than one injury, and $10,000 for personal property damage. The state of Indiana also requires that all insurance policies have coverage for uninsured or underinsured motorists of at least $50,000 unless this type of coverage is rejected by the policy holder in written form.

In the state of Indiana, you are required to carry proof of insurance with you in the insured vehicle at all times. If you are stopped for a traffic stop or for any other reason by a police officer and cannot show proof of insurance you could be facing a ticket or citation. Also, if you are in a wreck and cannot prove to the officer on scene that you are insured, you may have to pay court costs in order to settle.

    Being an uninsured driver can have serious consequences. In the state of Indiana, you could face fines up to $300 depending on how many offenses you have had of being an uninsured driver. Paying the cost of a premium is much more cost and time efficient than being caught without insurance. It is important when purchasing your insurance to consider getting more than just the minimum liability insurance due to the fact that you could be personally liable for any damages beyond your coverage limits.