Indiana Does Not Require Uninsured Motorist Coverage
You are structuring coverage for two or more vehicles on one Indiana policy. You need to know whether the state mandates uninsured motorist coverage, or whether it is optional. Indiana does not require uninsured motorist coverage by statute. The state's mandatory minimum is liability only: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Uninsured motorist coverage is not part of that floor.
However, Indiana law requires every carrier writing auto insurance in the state to offer uninsured motorist coverage to every policyholder. You cannot buy a policy without being presented the option. If you decline it, you must reject it in writing. That rejection is the only mechanism that removes uninsured motorist coverage from your policy. Without a signed rejection, the coverage stays on by default at many carriers.
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Get Your Free QuoteIndiana Uninsured Drivers
14%
Fourteen percent of Indiana motorists drive without insurance, per 2023 state insurance statistics. That is roughly one in seven drivers on the road. Uninsured motorist coverage pays your medical bills and vehicle damage when an at-fault driver has no insurance to cover the claim.
Indiana Department of Insurance, 2023
What Uninsured Motorist Coverage Actually Pays
Uninsured motorist bodily injury coverage pays your medical expenses, lost wages, and pain-and-suffering damages when an at-fault driver has no liability insurance. The coverage mirrors your own liability limits: if you carry $50,000 per person in liability, your uninsured motorist bodily injury limit is typically offered at the same amount. It covers you, your household members, and passengers in your vehicles.
Uninsured motorist property damage coverage pays for vehicle repairs when an at-fault driver has no insurance and you do not carry collision coverage. If you carry collision, that coverage usually handles the damage and your uninsured motorist property damage becomes redundant. Most households with collision on every vehicle decline uninsured motorist property damage to avoid paying twice for the same risk.
Underinsured motorist coverage is a related product. It pays the gap when an at-fault driver carries liability insurance, but their limits are too low to cover your damages. Indiana carriers offer underinsured motorist coverage alongside uninsured motorist coverage, and the same written-rejection rule applies. If you do not reject it, it stays on the policy.
Indiana carriers cannot sell you a policy without offering uninsured motorist coverage. The only way to remove it is to reject it in writing on the carrier's form.
How the Offer and Rejection Process Works
When you request a quote for a multi-vehicle policy, the carrier includes uninsured motorist bodily injury and underinsured motorist coverage in the initial quote by default. The quote shows the premium with those coverages included. If you want to decline them, you must complete a written rejection form before the carrier will remove them and re-rate the policy. The rejection form names each coverage separately—uninsured motorist bodily injury, underinsured motorist bodily injury, and uninsured motorist property damage—and requires your signature and date. Some carriers present the form digitally during the online quote process; others mail it for signature if you bind by phone.
The rejection is binding for the policy term. If you renew the policy, the carrier must offer the coverages again at renewal, and you must reject them again in writing if you want to continue without them. A rejection does not carry forward automatically. This rule protects policyholders from inadvertently going without coverage after a lapse or a carrier change. If you add a vehicle mid-term, the carrier applies your existing rejection to the new vehicle unless you affirmatively elect to add uninsured motorist coverage at that time.
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Why Households With Multiple Vehicles Often Keep It
A household insuring two or more vehicles faces higher aggregate exposure to uninsured drivers. More vehicles on the road means more trips, more intersections, and more chances of being hit by a driver with no insurance. If one vehicle is totaled by an uninsured driver and you do not carry collision on that vehicle, uninsured motorist property damage is the only coverage that pays for the loss. If you carry collision on every vehicle, uninsured motorist property damage is redundant—but uninsured motorist bodily injury still covers medical bills and lost wages that collision does not touch.
Indiana law permits stacking unless the policy explicitly prohibits it. Read your policy's stacking clause before assuming the limits combine.
Households that reject uninsured motorist coverage do so to lower the premium, usually when every vehicle carries collision and comprehensive and the household is willing to absorb the bodily-injury risk out of pocket. That decision makes sense for some households with significant savings and low medical-cost exposure. For most households, the coverage is worth keeping.
Indiana Minimum Liability Limits
$25,000 / $50,000 / $25,000
Indiana requires $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. These are the floor, not a recommendation. A household with multiple vehicles and significant assets should carry higher liability limits to protect those assets in a lawsuit.
Indiana Code 9-25-4-5
How Carriers Price Uninsured Motorist Coverage
Carriers price uninsured motorist bodily injury coverage based on the likelihood of a claim and the severity of that claim in your county. Counties with higher uninsured-driver rates and higher medical costs produce higher uninsured motorist premiums. The coverage is priced per vehicle, and the total cost scales with the number of vehicles on the policy. A three-vehicle household pays more than a one-vehicle household for the same per-vehicle limit, but the per-vehicle rate often drops slightly as you add vehicles due to the multi-car discount.
Uninsured motorist property damage is priced separately and is typically cheaper than bodily injury coverage because property damage claims are capped at the vehicle's actual cash value. If you carry collision, most carriers charge very little for uninsured motorist property damage because the collision coverage already handles most of the risk. Some carriers automatically include it at no additional cost when you carry collision; others charge a nominal amount and allow you to reject it.
Compare Carriers That Write Multi-Vehicle Policies in Indiana
Uninsured motorist coverage is not a state mandate, but it is a carrier mandate: every Indiana carrier must offer it, and you must reject it in writing to remove it. A household insuring multiple vehicles should compare quotes with and without the coverage to see the actual cost difference. The decision is not binary—some households keep uninsured motorist bodily injury and reject uninsured motorist property damage, or vice versa. The written rejection gives you control over what stays on the policy. Compare carriers that write multi-vehicle policies in Indiana and structure the coverage to match your household's risk tolerance and asset exposure.