Auto insurance in Indiana

Auto education

Auto coverages in Indiana

Indiana requires liability and, importantly, requires insurers to include uninsured and underinsured motorist coverage unless you reject them in writing. UIM has a statutory floor that is worth knowing before you waive anything.

Liability (BI / PD)

Indiana’s financial responsibility generally means bodily-injury and property-damage liability (commonly 25/50/25 — confirm). Liability pays other people when you are at fault.

MedPay

Medical payments coverage is optional and can help with medical bills for you and passengers after a crash, regardless of fault, up to your chosen limit.

UM / UIM

Each newly written Indiana auto liability policy must include UM and UIM unless rejected in writing. Department guidance commonly cites UM bodily-injury minimums aligned with liability, UM property damage, and UIM bodily injury with a higher floor (often discussed as at least $50,000 for UIM — verify on your form). Do not initial a rejection casually.

UMPD

Indiana’s UM offering includes a property-damage component in the standard UM discussion — so you may see UMPD-style protection as part of UM rather than a totally separate product. If you reject UM, you typically lose that piece; collision remains the backup for repairing your car.

Collision & comprehensive

Collision helps repair your vehicle after a crash with another car or object (minus your deductible). Comprehensive leans toward non-crash events — theft, hail, vandalism, fire, flooding-type weather losses where covered, or hitting an animal. Lenders usually require both on a financed car; on an older paid-off vehicle, you may choose differently.

Deductibles, rental & roadside

A deductible is what you pay first on collision or comprehensive claims — higher deductibles often lower the premium, but only if you could actually write that check. Rental reimbursement can help pay for a loaner while your car is in the shop after a covered claim; many people assume “full coverage” includes it, and it often does not. Roadside assistance covers convenience tows and jump-starts as a separate add-on.

State minimums — the legal floor

Whatever Indiana requires to drive legally is a floor, not a financial plan. Minimums change over time; confirm current figures with a licensed agent or official state sources before you buy. Read Asshield™’s guide: state minimums aren’t a plan.

Educational only — not legal advice, not a quote, and not a coverage guarantee. Rules, offers, and product names vary by state, carrier, and underwriting. Talk with a licensed Asshield™ agent about what fits your situation.