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Indiana Auto Insurance

Indianapolis, Lafayette, Terre matter where you live in Indiana, SafeAuto can provide you with affordable auto insurance that fits your life and your budget while maintaining the coverage that meets Indiana's minimum requirements for an auto policy.

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Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company may pay for bodily injury and property damage claims.

Our insurance follows Indiana law requirements, which are to maintain liability limits* of at least:

$25,000 | Bodily Injury Liability Coverage (Per Person)

The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident. If you are at-fault in an accident this coverage may help pay for the other driver's medical expenses.

$50,000 | Bodily Injury Liability Coverage (Per Accident)

The second number is the maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $25,000 per person limit. If you are at-fault in an accident this coverage may help you pay for the other driver's, or their passenger's, medical expenses.

$20,000 | Property Damage Coverage

The third number is the maximum amount that your policy will pay for injury to or destruction of property of others in an accident. If you are at-fault in an accident this coverage may help pay for the damages to the other driver's vehicle.

*Liability limits are typically expressed as three amounts separated by slashes written as 25/50/20 or 25,000/50,000/20,000.

Proof of Financial Responsibility & Penalties

What Are the Penalties for Not Having Legal Minimum Car Insurance in Indiana?

Failure to maintain proper insurance could lead to the suspension of your driver's license for at least ninety (90) days and up to one (1) year for repeat violators within a three (3) year period. To obtain a reinstatement of your license, you may have to pay a reinstatement fee of $150, $225 or $300 depending on whether it is a first, second, third or subsequent offense, and provide current proof of insurance signed by an agent or representative of the insurance company.

Certificate of Financial Responsibility (SR-22):

An SR-22 is a certificate of insurance or Financial Responsibility issued by your insurance company to the Indiana Bureau of Motor Vehicles (BMV) providing proof that you purchased liability insurance.

When a motorist's operator license is suspended upon conviction of a major offense, that driver must submit proof of insurance to the BMV before being reinstated. This filing provides that the driver has an auto liability policy in effect that cannot be canceled without prior notice.

If you are required to maintain a certificate of Financial Responsibility, your insurance company is required to provide the BMV with at least ten (10) days advance notice before termination. SafeAuto will only issue an Indiana SR-22 to Indiana residents.

Certificate of Compliance (SR-21):

An SR-21 or Certificate of Compliance is a form that must be filed by your auto liability insurance agent after an accident or following a traffic violation. Filing this form certifies you met the Financial Responsibility requirements at the time of the accident or violation. The most common proof of Financial Responsibility is your automobile liability insurance policy. This form is required by the Indiana Bureau of Motor Vehicles.


You can get a fast and free car insurance quote online or by calling a SafeAuto customer service representative at 1-800-SAFEAUTO (1-800-723-3288). Our customer service team is ready to assist you with your quote or answer any insurance questions you have. 

SafeAuto offers affordable car insurance throughout the entire Hoosier state. If you are looking for more car insurance information for a specific city in Indiana, more material can be found below. 


Indiana Bureau of Motor Vehicles

Play It Safe with SafeAuto Insurance

Have a question for us at SafeAuto? Need to start a policy? Just want to talk? Call us at 1-800-SAFEAUTO or email us at For common questions, please consult our FAQ page.