Direct Answer:
Indiana requires drivers to carry liability insurance, but the minimum limits often fall short in serious accidents. Many drivers choose higher limits to better protect themselves financially.
Indiana’s Required Auto Insurance Limits
Indiana requires:
$25,000 bodily injury per person
$50,000 bodily injury per accident
$25,000 property damage
These limits apply only to liability — they do not cover your own vehicle.
Why Minimum Coverage May Not Be Enough
Vehicle repair costs continue to rise
Medical bills can exceed limits quickly
You are responsible for damages above your policy limits
Many drivers don’t realize this until after an accident.
Indiana-Specific Insight
With increasing traffic and higher vehicle values across central Indiana, carrying only state minimum limits can create significant financial risk.
A local insurance broker can review your auto policy and help determine whether your limits truly protect you.
