Coverage Guide
Auto Insurance Coverage in Indiana: What's Required & Optional
What Indiana Requires
Indiana sets minimum liability limits every driver on the road has to carry. Beyond that floor, optional coverages like collision, comprehensive, uninsured motorist, and medical payments fill in the gaps a bare-minimum policy leaves open.
Choosing Between Liability-Only and Full Coverage
Liability-only meets the legal minimum and covers damage you cause to others. Full coverage adds protection for your own vehicle, which typically matters more if you're still financing or leasing, or if replacing your car outright would be a real financial hit.
Optional Coverages Worth a Look
Uninsured/underinsured motorist coverage protects you if the other driver doesn't carry enough insurance. Medical payments coverage and roadside assistance are common add-ons that fill specific gaps a standard policy doesn't automatically include.
