Frequently Asked Questions

Can I keep the car insurance I have from my previous state of residence?

No. Regardless of what state you are moving to or from, a driver is required to purchase car insurance in their new state of residence. Thus, they must also cancel their previous policy.

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Do I need to cancel my insurance if I am moving to another state?

Yes. It does not matter which state you are moving to. Every new resident is required to purchase vehicle insurance in their active state of residence. All other policies should be canceled upon leaving.

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How can I avoid a license suspension if I choose not to insure my vehicle?

Indiana residents who are caught driving without proper IN auto insurance will incur an immediate drivers license suspension. In order to avoid this penalty, one must take the following measures:

  • Give back their license plates to the BMV.
  • Cancel their Indiana car registration.

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If I have been in an accident, what property damage do I have to report?

If your accident involves any injuries or at least $1,000 worth of property damage, Indiana law requires you to contact the police. When taking notes of the scene, you should include:

  • The names, addresses and contact information of the drivers, passengers and witnesses.
  • The drivers license number and insurance information of all drivers.
  • The names and badge numbers of police officers involved.
  • The description of the other vehicle:

    • License plate number
    • Make
    • Model
    • Year

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If I live outside of the state for half the year, am I still required to have car insurance?

Yes. If a driver is considered a resident in the state of Indiana, he or she must purchase IN auto insurance. As long as the driver does not change residency, they are expected to meet the minimum requirements of coverage.

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If I own multiple vehicles, am I required to have them all insured?

Auto coverage is required for all vehicles operated in Indiana. Therefore, if you own multiple vehicles, all of them must have at least the state-required liability coverage. However, many IN insurance companies offer discounts for insuring more than one vehicle on the same insurance policy. Check with your insurance provider to find out if the multi-car discount is available and if you are eligible for it.

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What is the minimum liability insurance coverage?

The Indiana Bureau of Motor Vehicles has very specific laws regarding car insurance. The breakdown of the minimum amounts each driver must have is as follows:

  • Bodily injury for one person per accident: $25,000
  • Bodily injury for multiple people per accident: $50,000
  • Property damage per accident: $10,000
  • Uninsured motorist coverage: Equal to the above liability amounts
  • Underinsured motorist coverage per accident: $50,000

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What proof of insurance can I provide when registering my car?

Regarding what documents can be used to prove that you meet Indiana s minimum car insurancerequirements, any of the following will suffice:

  • A vehicle insurance card
  • An insurance binder
  • A copy of your policy
  • A letter from your provider on the company s letterhead

If registering car credentials online, one does not have to provide proof of coverage.

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What type of car insurance am I required to have?

Drivers in the state of Indiana are required to have a few different types of auto insurance in order to operate a motor vehicle within the state. These kinds of coverage include:

  • Bodily injury per person.
  • Bodily injury for multiple people.
  • Property damage.
  • Uninsured motorist coverage.
  • Underinsured motorist coverage.

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What will happen if I fail to get or keep car insurance?

In the event a driver chooses not to purchase or maintain car insurance in Indiana, and is caught operating a motor vehicle, the penalties are as follows:

  • A 90-day drivers license suspension for a first offense
  • A one-year suspension for a second offense within three years of the first

For more information: Indiana Auto Insurance – Get a Quote and Save

Which types of vehicles need to be insured?

All vehicles registered in the state of Indiana must meet the proper IN vehicle insurance requirements. This extends to passenger vehicles, pickup trucks, commercial vehicles, motorcycles and more.

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