Auto Insurance Requirements in Bloomington, Indiana
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 14
- 2 min read
Driving in Bloomington, Indiana requires more than just a valid license. Ensuring you have the right auto insurance is both a legal obligation and a smart move to protect your finances. Here’s everything Bloomington drivers need to know.
Minimum Liability Coverage in Indiana
Indiana law mandates that drivers maintain 25/50/25 liability coverage, which includes:
$25,000 bodily injury per person
$50,000 bodily injury per accident
$25,000 property damage per accident
Additionally, uninsured and under insured motorist coverage must be offered at the same limits, though you may opt out in writing.
Understanding Additional Coverage
While the minimum is legally required, it may not cover major accident costs. Consider adding:
Collision coverage – helps repair your own vehicle after a crash
Comprehensive coverage – protects against theft, natural disasters, and more
Medical payments – covers medical expenses for you and passengers
Optional add-ons – like roadside assistance, rental reimbursement, and gap coverage
Proof of Insurance & Compliance
The Indiana BMV can request proof of coverage:
Following accidents
After traffic violations
At random check points
Upon request, insurers must file a Certificate of Compliance electronically within 90 days, or face license suspension.
Why Higher Coverage Might Be Smart
Indiana’s minimum coverage may fall short in severe accidents. Experts often recommend 100/300/100 limits, this offers better protection for medical bills, property damage, and liability, especially if you own assets or drive frequently.
Factors That Affect Your Premium
Several elements influence your insurance rate:
Driving record and age
Vehicle type and usage
ZIP code and credit history
Coverage limits and deductibles
Why Choose Wexford Insurance?
At Wexford Insurance, we help Bloomington drivers navigate state requirements and select coverage that meets both legal standards and real-world needs. Our independent agents compare offers from top carriers to find your best value.
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