Auto Insurance Requirements in Noblesville, Indiana
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 15
- 2 min read
Driving in Noblesville, Indiana means following state laws for auto insurance coverage. Understanding these requirements helps you stay compliant and avoid costly penalties. Here’s what every driver should know.
Minimum Liability Coverage in Indiana
Indiana law mandates that drivers carry 25/50/25 liability coverage, which includes:
$25,000 for bodily injury per person
$50,000 for bodily injury per accident
$25,000 for property damage per accident
Uninsured and under insured motorist coverage must also be offered, though you can opt out in writing.
Why Minimum Coverage May Not Be Enough
While minimum coverage meets legal requirements, it may not cover all expenses in a serious accident. Consider adding:
Collision Coverage – Repairs your vehicle after an accident
Comprehensive Coverage – Protects against theft, fire, and weather damage
Medical Payments – Covers medical costs for you and passengers
Optional Add-Ons – Roadside assistance, rental reimbursement, and gap coverage
Proof of Insurance and Compliance
The Indiana BMV can request proof of insurance after:
Traffic violations
Accidents
Random compliance checks
Failure to provide proof can result in license suspension.
Factors That Affect Your Premium
Driving record and age
Vehicle type and safety features
ZIP code and local risk factors
Coverage limits and deductibles
Why Choose Wexford Insurance?
At Wexford Insurance, we help Noblesville drivers meet state requirements and find affordable, comprehensive coverage. Our team compares rates from multiple carriers to ensure you get the best value.
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