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Indiana’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.

The following is a breakdown of minimum liability requirements for Indiana:

Is it mandatory to have car insurance in Indiana? 


What are the minimum limits for Indiana? 

$25,000 bodily injury per person 
$50,000 bodily injury per accident 
$25,000 property damage per accident



Dairyland® coverage in Indiana

At Dairyland, we’re proud to be able to help drivers in Indiana meet their insurance needs. Here are some of the parameters of our insurance coverage in Indiana:

What is the maximum bodily injury liability and property damage limit Dairyland offers in Indiana?

$100,000 bodily injury per person 
$300,000 bodily injury per accident 
$50,000 property damage per accident



What liability coverages are required to be offered in Indiana? Can a customer reject them?

Bodily Injury and Property Damage must be offered and can’t be rejected. Uninsured Motorist Bodily Injury and Uninsured Motorist Property Damage must be offered, but they can be rejected.

What are all the coverages Dairyland offers in Indiana?

  • Bodily Injury 
  • Property Damage
  • Uninsured Motorist Bodily Injury
  • Medical Payments
  • Comprehensive
  • Collision
  • Lienholder Deductible
  • Special Equipment
  • Rental Reimbursement
  • Towing and Labor

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Indiana? 

20 years

How far back does Indiana go to look at violation history?  

3 years

What additional policy types are offered in Indiana? 

Named Non-Owner

Is an insurance score used in my rating in Indiana? If so, is it mandatory? 

Yes, insurance score is used, but it’s not mandatory.

What policy terms does Dairyland offer in Indiana? 

6 months

What is Dairyland’s minimum down payment option in Indiana? 


Are SR22s used in Indiana?  If so, is there a fee assessed by Dairyland? Is it filed electronically? 

SR22s are used, filed electronically with no fees.

What discounts are available from Dairyland in Indiana?

  • Multi-car
  • Homeowners
  • Prior insurance (transfer)
  • Paid in full
  • Advanced quote
  • Association
  • Quarterly
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