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Indiana motorcycle insurance

Illustration of West Union Covered Bridge in IndianaIllustration of West Union Covered Bridge in Indiana


Along with its historic auto races and farmlands, Indiana has a great motorcycle culture and rider-friendly roads. To make the most of this welcoming Midwestern terrain, make sure your motorcycle insurance policy has you covered and review the Hoosier State’s rules of the road.

What’s required of all motorcycle riders in Indiana?

You’re required to carry motorcycle insurance in Indiana and show proof of insurance when you register your motorcycle. Additionally, Indiana has established the following rider safety laws:

  • Rider training: To operate a motorcycle in Indiana, you need to be at least 16-and-a-half years old, and you need to obtain a motorcycle endorsement on your driver’s license. You can earn this endorsement by completing a Ride Safe Indiana safety course or a Bureau of Motor Vehicles (BMV) written test and motorcycle skills test.

  • Helmets and eye protection:Riders under 18 must wear a helmet and eye protection.

  • Handlebars: Your handlebars can extend no higher than 15 inches above the seat.

  • Brakes: Your bike must have at least one functional hand or foot brake.

  • Rear reflectors: Your rear reflectors must be located 20–60 inches from the ground and visible at 100–350 feet at night.

  • Passenger seats and footrests: To legally carry passengers, your bike must have a dedicated passenger seat and footrests or foot pegs.

  • Headlights: One headlight is required at all times—even during daylight—and no more than two are allowed.

  • Turn signals: Ensure turn signals are in good working order.

  • Speedometers: Your bike must have a functional speedometer.

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What are the motorcycle insurance requirements in Indiana?

Required limits for motorcycle insurance vary from state to state. In Indiana, the minimum motorcycle insurance coverage limits are:

  • $25,000 for bodily injury liability and guest passenger liability per person

  • $50,000 for bodily injury liability and guest passenger liability for two or more persons 

  • $25,000 for property damage liability

  • $25,000 per person and $50,000 per occurrence for uninsured motorist bodily injury liability (if insured doesn’t reject this coverage)

  • $50,000 per person and per accident for underinsured bodily injury liability (if insured doesn’t reject this coverage)



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Ready to explore Indiana by motorcycle?

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Are optional motorcycle insurance coverages available in Indiana?

Yes. Along with the required coverages listed above, we offer optional coverages at affordable rates. Here are three additional coverages you can add to your policy for extra protection.

Comprehensive coverage

Comprehensive motorcycle insurance coverage can help pay for motorcycle repairs if your bike is damaged by something other than a collision—for example, theft, vandalism, or hail.

Collision coverage

Collision motorcycle insurance coverage can help pay for repairs to your motorcycle if it’s damaged in an accident with another vehicle or hits an object other than a vehicle.

Medical payments

We all know how expensive medical bills can be. This optional coverage can help cover both your and your passenger’s medical costs following an accident.

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Build a policy that works for you

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3 steps to get a free motorcycle insurance quote

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Provide information about yourself, your bike, and your riding history.
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Input details on other people who ride your motorcycle.
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Select the coverages you want and see what discounts you could qualify for.

Indiana motorcycle insurance discounts

We believe insurance should be as customizable as your motorcycle. That’s why we offer numerous insurance discounts to our riders. The following discounts are available in Indiana—talk with your agent to see if you qualify for one or more of these discounts.

  • Advance quote

  • Anti-theft

  • Claim-free renewal

  • Experienced rider

  • Garaging

  • Harley Owners Group (H.O.G.) member

  • Homeowner

  • Loyalty

  • Motorcycle endorsement

  • Multi-line

  • Multi-vehicle

  • Operator safety course

  • Ownership

  • Paid-in-full

  • Prompt payer

  • Rider group

  • Transfer

Sites to see in Indiana

Once you’ve got your Indiana motorcycle insurance sorted out, start planning to visit these must-see attractions:

Cataract Falls

Located within Cataract Falls State Recreation Area, Cataract Falls consists of two sets of waterfalls approximately one mile apart. Take a walk out on the covered bridge over Mill Creek for spectacular views of the falls.

East Pierhead Lighthouse

A symbol of Michigan City, East Pierhead Lighthouse is a beautiful spot for photography, especially at sunset. To get the best view—and a place to park—pay the inexpensive admission to Washington Park, where you can also learn the interesting history of the lighthouse.

Ohio River Scenic Byway

Indiana Route 62—also known as the Ohio River Scenic Byway—crosses the southern part of the state, offering gentle curves and beautiful elevation changes. Enjoy easy access to Harrison-Crawford State Forest and other attractions along the Indiana/Kentucky border.

Lake Michigan

Lake Michigan is the only one of the five Great Lakes located entirely within the U.S. borders, and is the fifth largest lake in the world. If you want to get some exercise, hop on the other kind of bike and check out Bike Route 35, which offers unparalleled Lake Michigan views.

Ready for some off-road Hoosier State adventures? Bundle your motorcycle and ATV coverage.

Get a Dairyland quote for Indiana motorcycle insurance

Securing motorcycle insurance coverage is the key to unlocking your upcoming rides through Indiana. Enter your information below or give us a call at 866-324-7952 to get started.

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