Coverage and service for the Crossroads of America
If you live in Indiana or plan to move there, we can help you find the protection you need with USAA Auto Insurance.
Whether you're commuting across Indianapolis, meandering through Muncie or taking in the beauty of Bloomington, we can be there for you.
Required car insurance coverage in Indiana
Indiana law requires drivers to have the following minimum coverage limits.
Coverage |
Bodily injury liability |
|---|---|
Description |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
Minimum requirement |
$25,000 limit per person $50,000 limit per accident |
Coverage |
Property damage liability |
Description |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
Minimum requirement |
$25,000 limit per accident |
Coverage |
Uninsured motorists bodily injury |
Description |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance coverage. |
Minimum requirement |
You must have the same limits as your bodily injury liability coverage. Coverage can be waived by written request. |
Coverage |
Underinsured motorists bodily injury |
Description |
This helps cover your expenses if you’re injured in an accident caused by a driver who doesn’t have enough coverage. |
Minimum requirement |
You must have the same limits as your bodily injury liability coverage. Exception: When bodily injury coverage is $25,000/$50,000, required underinsured motorist coverage is $50,000/$100,000. Coverage can be waived by written request. |
Coverage |
Uninsured motorists property damage |
Description |
This helps cover your expenses if your car or property is damaged in an accident caused by a driver who doesn't have insurance. |
Minimum requirement |
You must have the same limits as your property damage liability coverage. Coverage can be waived by written request. |
Required car insurance coverage in Indiana
Indiana law requires drivers to have the following minimum coverage limits.
| Coverage | Description | Minimum requirement |
|---|---|---|
Bodily injury liability |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
$25,000 limit per person $50,000 limit per accident |
Property damage liability |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
$25,000 limit per accident |
Uninsured motorists bodily injury |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance coverage. |
You must have the same limits as your bodily injury liability coverage. Coverage can be waived by written request. |
Underinsured motorists bodily injury |
This helps cover your expenses if you’re injured in an accident caused by a driver who doesn’t have enough coverage. |
You must have the same limits as your bodily injury liability coverage. Exception: When bodily injury coverage is $25,000/$50,000, required underinsured motorist coverage is $50,000/$100,000. Coverage can be waived by written request. |
Uninsured motorists property damage |
This helps cover your expenses if your car or property is damaged in an accident caused by a driver who doesn't have insurance. |
You must have the same limits as your property damage liability coverage. Coverage can be waived by written request. |
Indiana law requires drivers to have the following minimum coverage limits.
| Coverage | Bodily injury liability |
|---|---|
| Description | This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
| Minimum requirement | $25,000 limit per person $50,000 limit per accident |
| Coverage | Property damage liability |
| Description | This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
| Minimum requirement | $25,000 limit per accident |
| Coverage | Uninsured motorists bodily injury |
| Description | This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance coverage. |
| Minimum requirement | You must have the same limits as your bodily injury liability coverage. Coverage can be waived by written request. |
| Coverage | Underinsured motorists bodily injury |
| Description | This helps cover your expenses if you’re injured in an accident caused by a driver who doesn’t have enough coverage. |
| Minimum requirement | You must have the same limits as your bodily injury liability coverage. Exception: When bodily injury coverage is $25,000/$50,000, required underinsured motorist coverage is $50,000/$100,000. Coverage can be waived by written request. |
| Coverage | Uninsured motorists property damage |
| Description | This helps cover your expenses if your car or property is damaged in an accident caused by a driver who doesn't have insurance. |
| Minimum requirement | You must have the same limits as your property damage liability coverage. Coverage can be waived by written request. |
Get up to 30% off your premium at renewal for being a safe driver. See note 4
With USAA SafePilot®, the better you drive, the bigger the discount you may earn.
USAA SafePilot Miles™ could help you save while you serve. See note 4
If you’re active duty living on base and don’t drive too often, USAA SafePilot Miles could be a great option to help lower your expenses. It could also help you if you’re about to deploy.
Indiana car insurance FAQ
If you’re moving to Indiana or within the state, you should change the vehicle location on your auto policy. You may also want to review your coverage and deductibles, as insurance needs can change with a move.
It’s also a good idea to check with your state to see if you need to update your vehicle registration.
Some states may require you to carry a physical insurance ID card. You can print your own card or we can send it to you. You can also save a digital copy to the USAA Mobile App.