Cheap Car Insurance Indiana
Reader’s Question:
Is car insurance required in Indiana? Can you tell me what coverage should I get? If I drive without car insurance what is the penalty if you get caught?
Harriet
Indianapolis, IN
Driving without car insurance on the car you are driving is against the law. So before you drive a car on a public road, you have to make sure that any vehicle you are operating has insurance on it that will cover you as a driver if you use it.
In Indiana, you need to purchase minimum liability coverage of 25/50/10. These amounts stand for:
- $25,000 bodily injury to 1 person.
- $50,000 bodily injuries more than one person.
- $10,000 property damage.
According to the Indiana Department of Insurance each newly written car insurance policy must include uninsured and underinsured motorists coverages, unless you reject this in writing. The limits are:
- Uninsured Motorists: Bodily Injury: $25,000/$50,000
- Property Damage: $10,000
- Under insured Motorists: Bodily Injury: $50,000
Driving uninsured in Indiana is a Class A infraction. If you are convicted of driving without car insurance in Indiana you will be subject to a 90 day license suspension up to 1 year suspension. In order to reinstate your license, you need to pay a reinstatement fee of $150, $225, or $300, depending on the degree of the offense.
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