Last updated: June 2023

Indianapolis, IN Auto Insurance

Indianapolis has so much to offer its residents. A healthy job market, multiple professional sports teams, the largest one-day sporting event in the world, the world’s largest children’s museum, and more. But whether your idea of fun is heading downtown to cheer on the Colts or commuting home to spend quality time with your family, affordable auto insurance coverage can help protect you on all your trips.

Since 1991, we’ve helped people find the right insurance to match their needs, no matter what their credit or insurance histories look like. If you’re searching for the best cheap car insurance in Indianapolis, IN, call Direct Auto.

Indianapolis, IN Minimum Car Insurance Requirements

Indiana auto insurance policies must at least meet the state’s minimum liability coverage limits, typically expressed as three numbers (representing thousands of dollars) separated by slashes. For example, the liability limits in Indiana are 25/50/25, and they help pay for bodily injury and property damage claims after an accident that is primarily your fault. If you’re still confused what your insurance policy must include, please refer to the chart below.


Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.

Yes. $25,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage.

Not required but included in policies by default unless rejected in writing.

Medical Payments Coverage (Med Pay) helps pay for your medical and related expenses stemming from an accident, regardless of fault.

Not required.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.

Not required.1

1Your lender may require these coverages if you lease or finance your vehicle.

Indianapolis, IN Proof of Financial Responsibility & Penalties

Indiana drivers who purchase a car insurance policy must at least meet the state’s minimum insurance requirements. If you’re caught driving uninsured, you could be facing serious penalties, according to the Consumer Federation of America. For example, for a first offense, Indiana drivers can expect to have their license suspended, pay reinstatement fees, and be forced to fulfill SR-22 requirements. Penalties increase for subsequent offenses, and vehicles owners will also face registration suspensions.

In addition to these penalties, you’d also be forced to pay for medical bills and vehicle repairs out of pocket for any accident you cause, and car accident costs are typically quite expensive. Therefore, it’s important to avoid coverage lapses by maintaining continuous coverage and never driving uninsured.

SR-22 Insurance in Indianapolis, IN  

In many states, high-risk drivers are also required to keep an SR22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. Drivers might be required to fulfill SR-22 requirements if:

  • They have been caught not maintaining proper liability coverage.
  • They were convicted of a DUI/DWI.
  • They have committed other serious driving violations.

If you need an SR22 filed to demonstrate financial responsibility compliance in Indiana or have questions about the penalties for non-compliance, we’d be happy to help. Direct Auto specializes in helping drivers find affordable car insurance coverage, regardless of their driving or insurance history. Give us a call today for a free quote.

Indiana Regional Auto Insurance

Depending on where you live, you might have specific wishes and “must-haves” in your mind for your car insurance policy. After all, drivers in downtown Indianapolis encounter more traffic and have a higher risk of accidents than people living in more rural areas. But no matter what city you call home in Indiana, we’re here to help you get covered.

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Other Indiana Auto Insurance Resources

Get Covered with Direct Auto Insurance!

Have a question for us at Direct Auto? Need to start a policy? Just want to talk? Call us at 1-877-GO-DIRECT. For common questions, you can also consult our FAQs page.

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