Is Indiana a no-fault state?
No. Indiana is an at-fault state. Every driver must carry liability insurance that pays for injuries and damage they cause.
Last checked November 9, 2026 · Official sources (4)
How does Indiana car insurance work?
“All motorists that operate a motor vehicle on Indiana roadways are required to maintain the state's minimum amount of liability insurance coverage for the vehicle they operate.”
Indiana Bureau of Motor Vehicles
What is Indiana's minimum car insurance?
| Coverage | What Indiana requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $25,000 |
| Uninsured motorist | New policies must include uninsured and underinsured motorist coverage unless you reject it in writing. |
Other at-fault states
Questions
How much insurance does Indiana require?
At least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage (25/50/25).
What if you were partly at fault in Indiana?
You can recover if your fault is not greater than everyone else's combined, but your award is reduced by your share; above that, you get nothing.
Hurt in a crash in Indiana? Find out if you are owed money.
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See if I’m owed moneySources (4)
- Indiana Bureau of Motor Vehicles, checked 2026-11-09. “All motorists that operate a motor vehicle on Indiana roadways are required to maintain the state's minimum amount of liability insurance coverage for the vehicle they operate.”
- Indiana Bureau of Motor Vehicles, checked 2026-11-09. “The state of Indiana has a 25/50/25 minimum liability insurance requirement. This required minimum coverage includes $25,000 for bodily injury to or the death of one (1) individual”
- Indiana Department of Insurance, checked 2026-11-09. “Each newly written Indiana auto liability policy must include uninsured and underinsured motorist's coverage unless you reject this in writing.”
- Indiana General Assembly (Indiana Code), checked 2026-11-09. “the claimant is barred from recovery if the claimant's contributory fault is greater than the fault of all persons whose fault proximately contributed to the claimant's damages.”