State‑mandated minimums
Indiana requires drivers to carry liability coverage of at least $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage (often cited as 25/50/25). These limits apply to any vehicle registered in the state and are the baseline required by the Indiana Department of Insurance.
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What the limits cover
The per‑person bodily‑injury limit pays for medical expenses, lost wages, and pain‑and‑suffering of a single injured party. The per‑accident bodily‑injury limit caps the total payout for all injured parties in one crash. Property‑damage coverage pays for repair or replacement of another driver's vehicle or other property you damage.
Optional add‑ons that drivers often consider
While not required, many Indiana drivers purchase additional coverage to protect themselves beyond the state minimums:
- Uninsured/underinsured motorist coverage – helps when the other driver lacks sufficient insurance.
- Medical payments (MedPay) – covers the policyholder's medical costs regardless of fault.
- Comprehensive and collision – pay for damage to your own vehicle from accidents, theft, weather, or vandalism.
Comparing Indiana's limits to neighboring states
| State | Bodily Injury per Person | Bodily Injury per Accident | Property Damage |
|---|---|---|---|
| Indiana | $25,000 | $50,000 | $25,000 |
| Illinois | $25,000 | $50,000 | $20,000 |
| Ohio | $25,000 | $25,000 | $25,000 |
| Kentucky | $25,000 | $50,000 | $25,000 |
How to verify you meet the minimum
When you purchase a policy, the insurer will list the liability limits on the declarations page. Ensure the figures match or exceed 25/50/25. If you already have a policy, you can request a proof‑of‑insurance card that shows the limits, which you must carry while driving.
Impact of driving record and vehicle type
Drivers with a clean record or those who use low‑risk vehicles often qualify for lower premiums even at the minimum limits. Conversely, a history of accidents or violations can raise the cost of meeting the state minimum, prompting many to opt for higher limits for better value.