Auto Insurance Requirements in Evansville, Indiana
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 12
- 2 min read
Driving in Evansville comes with responsibilities, among them having proper auto insurance. Indiana law mandates specific minimum coverage to ensure you and others are protected in case of an accident. Here’s what you need to know and how to make sure you’re fully covered.
State Minimum Liability Coverage
Indiana requires all drivers to carry at least 25/50/25 liability coverage, which breaks down as follows:
$25,000 per person for bodily injury liability
$50,000 total per accident for bodily injury liability
$25,000 for property damage liability
These limits ensure that if you're at fault, your coverage will pay for injuries and damages up to the specified amounts. While these are the legal minimums, they may not be enough in a serious accident.
Optional Coverage: Do You Need Them?
Beyond state requirements, drivers often enhance protection with optional coverage:
Collision Coverage: Covers damage to your vehicle from a collision
Comprehensive Coverage: Protects against theft, fire, or weather damage
Uninsured/Under insured Motorist (UM/UIM): Covers you if the at-fault party lacks adequate insurance—strongly recommended
Medical Payments or Personal Injury Protection (PIP): Helps pay medical costs after an accident regardless of fault
These add-ons can protect your finances and offer peace of mind, especially if your car is newer or financed.
Proof of Insurance & Compliance
Indiana uses several methods to verify coverage:
You may be required to show proof after accidents or violations
The Indiana BMV can request a Certificate of Compliance (COC) from your insurer; failure to provide proof within 90 days can result in license suspension.
Always carry your insurance card or keep it accessible on your phone to avoid penalties.
Risks of Driving Without Insurance
Driving uninsured in Indiana has serious consequences:
First offense: Up to 90-day suspension and fines
Repeat offenses: Longer suspensions, SR-22 requirements, and higher costs [carcoverageguide.com]
Fully cover your vehicle to protect yourself legally and financially.
Why 25/50/25 Isn’t Always Enough
While meeting the minimum keeps you legal, it may leave you personally liable for additional costs in a severe accident. Experts often recommend higher limits—like 100/300/100 or more, especially if you have assets or finance your vehicle.
Final Thoughts
Understanding auto insurance requirements is vital for Evansville drivers. Starting with the state-mandated 25/50/25 liability, you can layer on coverage to safeguard your car, health, and financial future. Always carry proof of insurance and consider enhancements like UM/UIM and collision for comprehensive protection.
Why Choose Wexford Insurance?
At Wexford Insurance, we know Indiana’s insurance laws inside and out. We’ll help you meet the legal requirements and guide you through selecting the right optional coverage to suit your needs and budget.
Ready to get your best quote?
