What Are the Auto Insurance Requirements in Greenwood, Indiana?
- Nate Jones, CPCU, ARM, CLCS, AU
- 5 days ago
- 2 min read
If you're a driver in Greenwood, Indiana, state law mandates a minimum level of auto insurance. Meeting these requirements ensures you’re legally driving and financially protected.
🔹 Minimum Liability Coverage: 25/50/25
$25,000 bodily injury per person
$50,000 bodily injury per accident
$25,000 property damage per accident
These limits form the baseline that every driver must carry under Indiana law.
🔹 Proof of Financial Responsibility
You must carry proof of insurance (digital or printed) while driving and present it during traffic stops, registration, or after an accident.
Indiana’s BMV may also request a Certificate of Compliance following accidents, violations, or license issues. Failing to respond can lead to license suspension.
Why You Should Consider Additional Coverage
While the minimum is legally required, it's often not enough to fully protect you.
Uninsured/Underinsured Motorist (UM/UIM): Covers you if another driver has inadequate insurance.
Collision & Comprehensive: Helps pay for your vehicle's repair after accidents, theft, or other damage.
Medical Payments or Personal Injury Protection: Covers minor medical expenses for you and passengers regardless of fault.
What Happens If You Don’t Carry Insurance?
First offense: Possible license suspension and fine
Subsequent offenses: Longer suspension, high fines, and requirement to file an SR-22
How to Ensure You Meet Greenwood, Indiana Requirements
Carry at least $25/50/25 liability coverage
Keep proof of insurance in your vehicle or digitally accessible
Respond promptly to any Certificate of Compliance request from BMV
Consider adding UM/UIM, collision, comprehensive, and MedPay
Ready for a Personalized Auto Insurance Quote?
At Wexford Insurance, we help Greenwood drivers find the right coverage to meet legal requirements and beyond. We'll compare multiple carriers to match your needs and budget.
