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If you’re a Indiana resident in search of car insurance, you’ve come to the right place. We know choosing coverage can be tricky, but it doesn’t have to be. Learn about Indiana car insurance requirements while saving money on your policy.


Car Insurance Coverage Requirements in Indiana

Indiana drivers are required to have at least 25/50/25 liability limits on their car insurance coverage. This means:


Bodily Injury Liability coverage per person


Bodily Injury Liability coverage per accident


Property Damage Liability coverage per accident

These minimum coverage requirements protect the victim from property damage or bodily injury in the event of an accident.

Drivers in Indiana are also required to have Uninsured and Underinsured Motorist Coverage unless they reject these coverages in writing. This additional coverage protects you against uninsured drivers and those who have insurance but not enough to cover damages.

You can take advantage of the coverage options available from Elephant Insurance, including:

Liability Coverages

Liability Coverage covers other people (not you) for their injuries and property damage if you cause an accident. Even though it technically doesn’t cover your injuries or damaged property, Liability Coverage does protect you from being financially on the hook if you cause an accident.

Comprehensive and Collision

Comprehensive and Collision coverages pay to repair or replace your car if it damaged, regardless of who is at fault. You select a deductible that you pay out of pocket and your insurance company pays for the remaining damage up to the limits you select.


MedPay (or Medical Payments) pays the cost of necessary medical care resulting from injuries you and your passengers receive as a result of an auto accident, and applies regardless of who caused an accident.

Coverage is also provided to the insured and resident relatives, while they are riding in someone else’s car at the time of the accident or if they are struck as a pedestrian.

Uninsured/Underinsured Motorist

When the person at fault for an accident does not have motor insurance, Uninsured Motorist coverages will cover damages, medical treatment, and lost wages. If your injury expenses exceed the at-fault party’s liability limits, you can use Underinsured Motorist Bodily Injury coverage to pay for the amount not covered by the at-fault person’s insurance.

Rental Reimbursement

Rental Reimbursement provides rental car coverage if your car isn’t drivable for more than 24 hours because of a covered loss under Comprehensive or Collision coverage.

Towing & Roadside Assistance

Roadside Assistance coverage saves you from being stranded on the side of the road when something goes wrong with your car. If you lock your keys in your car or you get a flat tire, you can call Roadside Assistance to get help as soon as possible.


Factors That Impact Your Car Insurance Rate In Indiana

Your car insurance rate is dependent on many variables. Here are a few factors that help determine your insurance rate:

Driving Record

Frequent accidents, tickets, and insurance claims alert the insurance company that you are a high-risk driver, and your rate will likely be higher than a driver with a clean record.

Vehicle Usage

If you have a long commute, drive frequently, or use your vehicle for business, you will likely pay higher rates. If you don’t drive often, work from home, or park in a garage or covered carport, you could qualify for a rate reduction.

Type of Vehicle

The type of vehicle you drive can impact your insurance rate. Cars that are older, smaller, have a lower safety rating, are more expensive to repair, or are considered luxury vehicles often require higher premiums. Learn more about how your vehicle impacts your rates.

Rate Trends

Car insurance rates sometimes trend up or down. The premium you pay will depend on these overall rate trends.

State Discounts

You can take advantage of the many discounts offered by Elephant including:

  • Multi-car discount
  • Responsible driver discount
  • Good student discount
  • Paperless account discount


Other Car Insurance Options In Indiana

If you opt out of getting a traditional car insurance policy, here are your alternatives.

Deposit with the Treasurer

This is the most common option requiring you to have money set aside in cash or certificate of deposit (CD) with the Indiana Treasurer of State.

Surety Bond

A surety bond requires that two other people insure you based on the state minimum requirements and agree to pay costs associated with an accident deemed your fault if you fail to do so.

Deposit with County Judge

This option requires that you make a cash deposit with the county judge in case it’s needed to cover accident-related expenses.

Certificate of Self-Insurance

If your company owns more than 26 cars, you can become self-insured instead of using a traditional policy. You must provide proof that you’re make enough to compensate if found at fault of an accident.


Indiana Car Insurance & Driving Laws

Insurance companies are required by law to provide fair, reasonable rates to all eligible drivers. There are some laws that impact qualifying for insurance and your rates.


Most companies review the Comprehensive Loss Underwriting Exchange (CLUE) to review your claims history. This information can help a company determine your rates.


If you’re found guilty of certain traffic offenses, such as driving under the influence or getting too many traffic violations, you could be required to file an SR-22 form to reinstate or maintain your driving privileges. You will likely see an increase in your premium due to the violation.

Traffic Offenses

If you receive a moving violation, DUI, license suspension, or revocation you will likely pay higher car insurance premiums.

Out of State Violations

Most states share out of state violations with the driver’s home state. Once your insurance company is notified, they will determine whether the violation will impact your premium.


Indiana Car Insurance FAQs

Here are a few frequently asked questions about Elephant Insurance policies:

When are payments taken?

Payments are processed via electronic transaction every month on or shortly after your due date. However, some banks may place temporary holds on deposits you make to your account, so make sure that your account has enough funds to cover your payment by the close of business two (2) days before your due date.

What steps does Elephant take to make sure my information is secure?

Elephant takes your security seriously. To prevent cases of fraud and identity theft, Elephant encrypts all payment information that we receive. Only a select group within our Billing Department is allowed to access this information. Also, every payment request sent to our bank is encrypted for your security.

What if I need to get my car repaired?

To make your claims experience as easy as possible Repair Assistance Program facilities are pre-qualified to ensure quality & exceptional standards.

When and how can I change my car insurance policy?

At any time! Making changes to your policy shouldn’t be difficult. You can login to your account to make most changes to your plan.


Save On Your Car Insurance When You Bundle

Unlock even more savings when you bundle your insurance with Elephant. Combine homeowners or renters insurance with your auto policy to keep money in your pocket with our multi-product discount.

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