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Indiana Car Insurance for Seniors: Save More

Indiana requires 25/50/25 liability coverage and is an at-fault state.

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Indiana at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

75

Age when license renewal rules change, with a vision test at renewal

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Indiana

Indiana operates under a traditional tort liability system, meaning the at-fault driver's insurance pays for damages in accidents. Seniors should note that under current Indiana state requirements, proof of insurance must be provided at traffic stops and after accidents, and driving uninsured results in license suspension and reinstatement fees.

Bodily Injury Liability

Covers medical bills, lost wages, and legal costs when you cause an accident that injures others. Seniors with retirement savings or home equity should carry at least 100/300 limits to protect assets from lawsuits.

Property Damage Liability

Pays for damage to other vehicles, fences, buildings, and property when you're at fault. Indiana does not require collision or comprehensive on your own vehicle, even if you still owe money on a loan.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. Indiana insurers must offer this coverage at the same limits as your liability policy, and you can only reject it by signing a written waiver at policy inception — verbal rejection doesn't count.

Comprehensive Coverage

Covers theft, vandalism, hail, deer strikes, and other non-collision damage to your vehicle. Not required by Indiana, but many seniors carry this on paid-off vehicles because the annual premium is often lower than collision and deer collisions are common in rural Indiana counties.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault accident, minus your deductible. Indiana does not require this coverage once your loan is paid off.

What Drivers Pay in Indiana

$119–$135/mo

Typical monthly rate in Indiana, drivers 65 and over

Rate data: MoneyGeek and Insure.com, 2026

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Mature-driver discount

Not required by state law

Mature-driver discounts here are set by each insurer.

Source: state statutes and insurance departments, verified July 2026

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others in an accident. Indiana's minimum limits protect only up to $25,000 per person injured, which is insufficient for most serious accidents.

Comprehensive Coverage

Pays for theft, vandalism, weather damage, and deer strikes. Not required by Indiana but commonly carried by seniors on paid-off vehicles because it's cheaper than collision and deer accidents are frequent statewide.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage to pay your medical bills and vehicle damage. Must be offered by all Indiana insurers but can be rejected in writing.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault accident, minus your deductible. Dropped by many seniors once vehicles are paid off and worth less than $4,000.

Find Your City in Indiana

Indianapolis

urban

Fort Wayne

urban

Evansville

urban

South Bend

urban

Carmel

suburban

Bloomington

urban

Hammond

urban

Muncie

urban