Indiana Car Insurance That Pays Off
Smart pay-per-mile car insurance for Indiana drivers. Built for Indianapolis, Fort Wayne, Evansville, and everywhere in the Hoosier State.
Why Indiana Drivers Love Just Insure
Built for Hoosier Driving
Whether you're crossing Indianapolis, driving between small towns, or keeping a second car parked most of the week, pay-per-mile adapts to how much you actually drive.
Only Pay for Miles You Drive
A low monthly base rate plus a few cents per mile. Drive less than the average Indiana motorist and you keep the difference instead of subsidising it.
Instant Indiana Coverage
Get covered immediately with proof of insurance ready for the Indiana BMV. Perfect for new residents and vehicle registrations.
Indiana Car Insurance Requirements
Minimum Required Coverage in Indiana:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
✅ Just Insure Exceeds Indiana Requirements
All Just Insure policies meet or exceed Indiana's minimum requirements, with comprehensive and collision options available for complete vehicle protection.
Indiana Insurance Facts:
- • Indiana's minimum liability limits are 25/50/25
- • Uninsured and underinsured motorist coverage is a mandatory offer, which you can decline
- • Indiana requires proof of insurance for vehicle registration with the BMV
- • Driving without insurance can lead to licence suspension and reinstatement fees
Serving All Indiana Cities
Indianapolis
Fort Wayne
Evansville
South Bend
Carmel
Fishers
Bloomington
Hammond
Gary
Lafayette
Noblesville
Muncie
Terre Haute
Kokomo
Anderson
Greenwood
Coverage available throughout the Hoosier State
How Just Insure Works in Indiana
Get Your Indiana Quote
Enter your Indiana zip code and vehicle details to see your monthly base rate and per-mile rate in about 20 seconds. No long form, no phone call.
Select Indiana Coverage
Choose coverage that meets Indiana requirements, plus optional comprehensive and collision. Uninsured motorist coverage is offered as standard and can be declined.
Start Saving on Miles
Download the app, get instant Indiana coverage, and pay only for the miles you drive. Ideal for Indy commuters, small-town drivers, and second vehicles.
Indiana Car Insurance FAQs
What are Indiana car insurance requirements?
Indiana requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Just Insure meets and exceeds all Indiana state requirements.
How does pay-per-mile car insurance work in Indiana?
You pay a low monthly base rate for your vehicle plus a few cents for each mile you actually drive. Indiana drivers who commute short distances, work from home, or keep a second vehicle parked most of the week pay for what they use instead of a flat annual premium.
Is pay-per-mile insurance available in Indiana?
Yes. Just Insure is licensed to write pay-per-mile auto insurance throughout Indiana and meets all state insurance requirements.
Do I have to take uninsured motorist coverage in Indiana?
Indiana requires insurers to offer uninsured and underinsured motorist coverage, so it is included on your quote by default. You can opt out during the quote, and uninsured motorist property damage can only be added alongside uninsured motorist coverage.
Can I get immediate coverage in Indiana?
Yes. Get a quote and start coverage the same day. Just Insure provides immediate proof of insurance for Indiana BMV requirements and vehicle registration.
Does Just Insure work for Indianapolis drivers?
Indianapolis drivers are a strong fit for pay-per-mile cover. Shorter cross-town commutes and hybrid working patterns mean many Indy drivers cover far fewer miles than a traditional annual premium assumes.
Ready for Fairer Indiana Car Insurance?
Join the Indiana drivers paying for the miles they drive, not the miles they don't.
No commitment • Cancel anytime • Instant coverage • Indiana BMV accepted