Driving Without Insurance
IC 9-25-8-2 — a Class A infraction, and a Class C misdemeanor after a prior judgment
No one registers a motor vehicle, or drives one on a public highway in Indiana, unless financial responsibility is in effect for the vehicle or the person is otherwise insured to drive it. A person who breaks the rule is subject to suspension of driving privileges, of the vehicle's registration, or both.
Who handles this in Indiana: Indiana Department of Insurance, Consumer Services Division and Indiana SHIP; and legal aid programs and the state offices, listed in the Indiana directory.
| Minimum financial responsibility | Amount |
|---|---|
| Minimum financial responsibilityBodily injury to or death of one person | Amount$25,000 |
| Minimum financial responsibilityBodily injury to or death of two or more people in one accident | Amount$50,000 |
| Minimum financial responsibilityDamage to or destruction of property in one accident | Amount$25,000 |
A person who knowingly drives, or lets someone else drive, a motor vehicle on a public highway in Indiana without financial responsibility in effect commits a Class A infraction. It is a Class C misdemeanor for a knowing or intentional violation by someone with a prior unrelated conviction or judgment under the same section.
The insurance rule does not reach an electric personal assistive mobility device, an off road vehicle or a snowmobile.
Sources for this section (3)
- IC 9-25-4-1 — Persons, generally, who must meet minimum standards; violation; suspension of driving privileges or vehicle registration
- IC 9-25-4-5 — Minimum amounts of financial responsibility
- IC 9-25-8-2 — Operating or permitting operation without financial responsibility; court recommendation; suspension
Legal information, not legal advice. Verified as of October 2026. Applying it to a particular situation is the work of a licensed Indiana attorney.