Indiana Minimum Car Insurance Requirements
Indiana requires all drivers to carry at least 25/50/25 liability coverage: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage.
Driving without insurance is illegal. Penalties include fines up to $500, license suspension, and vehicle impoundment.
Getting caught without insurance does NOT trigger immigration enforcement.
Can Immigrants Get a License in Indiana?
Indiana does NOT issue driver licenses to undocumented immigrants without a Social Security Number or ITIN.
You need proof of identity (passport or consular ID), proof of Indiana residency, and either SSN, ITIN, or state ID number.
Check with your local Indiana BMV about ITIN acceptance, as policies vary by location.
If you cannot get a license, you can still buy car insurance using an ITIN.
Best Insurance Options for Immigrants in Indiana
Many major insurers accept ITIN numbers instead of SSN in Indiana. Get quotes from companies known to work with immigrants.
You do NOT need a US driver license to buy insurance, but you will need a valid ID and proof of residence.
Insurance companies are NOT connected to immigration authorities. Your information is protected under federal privacy law.
Shop multiple insurers - rates vary significantly based on driving history and vehicle type.
Tips for Immigrant Drivers in Indiana
Keep proof of insurance in your vehicle at all times during any traffic stop.
If pulled over, you have the right to remain silent about immigration status. Hand over license and registration.
Contact a legal aid organization if you face charges - Indiana has immigrant advocacy resources.
Document everything: your insurance policy, vehicle registration, and any police interactions.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Covers injuries you cause to others |
| Bodily Injury (per accident) | $50,000 | Total per accident limit |
| Property Damage | $25,000 | Damage to other vehicles/property |
| Uninsured Motorist (BI) | $25,000/$50,000 | Protects you if hit by uninsured driver |
| Uninsured Motorist (PD) | Optional | Property damage from uninsured drivers |
Frequently Asked Questions
Yes. Use an ITIN from the IRS instead. Most Indiana insurers accept ITIN for quotes and policies. Insurance companies do not report you to ICE.
No. Indiana requires proof of legal presence. Check https://www.ncsl.org/transportation/states-that-allow-unauthorized-immigrants-to-get-a-drivers-license for states that do allow it.
Indiana requires 25/50/25: $25,000 bodily injury per person, $50,000 total per accident, $25,000 property damage. Get quotes for exact rates.
State Farm, GEICO, Progressive, and Acceptance all work with ITIN in Indiana. Call local agents or get online quotes. Rates vary by driver and vehicle.
Some insurers accept foreign licenses temporarily. You need a valid Indiana license within 180 days to renew or get new coverage. Check with your insurer first.
