Car insurance in Indiana (25/50/25)
- Minimum car insuranceIndiana requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. Every new liability policy must include uninsured and underinsured motorist coverage unless the buyer rejects it in writing. PIP is not required. Source
- Fault systemIndiana is an at-fault (tort) state: the driver who causes a crash, and their liability insurer, pays for the damage they cause. Source
Business insurance rules in Indiana
- Workers’ compensationEvery employer covered by the Worker's Compensation Act must insure or get approval to self-insure. Farm and agricultural employees and household employees are excluded. Independent contractors who do not elect coverage can get a certificate of exemption, and anyone hiring them must keep a copy. Indiana is not monopolistic and does not allow opting out. Source
- Contractor licensingIndiana has no statewide general contractor license. Cities and counties license or register general contractors, while plumbing is licensed statewide through the Indiana Plumbing Commission at the Professional Licensing Agency. Bond and insurance requirements depend on the local jurisdiction. Source
Home insurance in Indiana
- Home insurer of last resortThe Indiana FAIR Plan writes basic dwelling-fire and limited homeowners policies, up to $250,000 on a dwelling, for owners who have been turned down by at least three insurers. Wind, hail and tornadoes from severe storms are the main catastrophe exposure for Indiana homes. Source
Disasters, floods, hail, tornadoes and earthquakes in Indiana
| Measure | Indiana | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 22 | #33 (tied) of 51 | Most often for severe storm (18), flood (3), tornado (1). Vanderburgh County has been in 12 of them. |
| National Flood Insurance Program claims, 2005–2025 | 10,022 | #21 of 51 | $235.8 million paid; 22% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Homes in high-risk flood zones with a federal flood policy | 17% | #34 of 50 | 9,605 policies for 58,191 homes in the counties FEMA can measure; US: 40%. |
| Hail reports, 2016–2025 | 1,456 | #19 of 51 | 109 of them 2 inches or larger. Largest stone 4 inches, Tippecanoe County, May 2019. |
| Tornadoes, 2016–2025 | 343 | #17 of 51 | 53 rated EF2 or stronger; 1,763 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 1 | #28 of 51 | Largest: magnitude 4.6, 6 km SW of Parkers Settlement, Indiana, June 18, 2002. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Indiana.
Worth knowing in Indiana
Indiana has a formal state process for sole-proprietor independent contractors to opt out of workers' compensation. They file with the Department of Revenue for a certificate of exemption, and anyone hiring them must keep a copy of that certificate.
Indiana’s insurance regulator
Insurance in Indiana is regulated by the Indiana Department of Insurance, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a nonresident insurance producer license in Indiana (NPN 21022298), so requests from Indiana are handled by him directly.
Common questions
What is the minimum car insurance in Indiana?
Indiana requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. Every new liability policy must include uninsured and underinsured motorist coverage unless the buyer rejects it in writing. PIP is not required.
Is Indiana a no-fault state?
Indiana is an at-fault (tort) state: the driver who causes a crash, and their liability insurer, pays for the damage they cause.
Do employers in Indiana need workers’ comp?
Every employer covered by the Worker's Compensation Act must insure or get approval to self-insure. Farm and agricultural employees and household employees are excluded. Independent contractors who do not elect coverage can get a certificate of exemption, and anyone hiring them must keep a copy. Indiana is not monopolistic and does not allow opting out.
What can a Indiana homeowner do if no insurer will write the house?
The Indiana FAIR Plan writes basic dwelling-fire and limited homeowners policies, up to $250,000 on a dwelling, for owners who have been turned down by at least three insurers. Wind, hail and tornadoes from severe storms are the main catastrophe exposure for Indiana homes.
Sources
- Indiana: Minimum car insurance
- Indiana: Fault system
- Indiana: Workers’ compensation
- Indiana: Home insurer of last resort
- Indiana: Contractor licensing
- Indiana: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.