Indiana Auto Insurance for Drivers 75 and Older
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 financial responsibility tort system, meaning the at-fault driver pays for damages through their liability coverage. The state requires proof of insurance at all times — failure to maintain coverage results in license and registration suspension. Drivers 75 and older face the same legal minimums but should know that Indiana does not mandate rate increases based solely on age, though carriers may use age as one factor in their underwriting and renewal decisions.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
What Drivers Pay in Indiana
$119–$135/mo
Typical monthly rate in Indiana, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
What Affects Your Rate
- Credit-based insurance scoring remains legal in Indiana and heavily influences rates for drivers 75 and older — a drop in credit score during retirement can increase premiums even without a driving event.
Find Coverage That Fits Driving Past 75
Compare Auto Insurance for Drivers 75+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
Indiana's 25/50/25 minimums cover far less than the cost of a serious injury accident. Higher limits protect home equity and retirement assets from lawsuit judgments.
Uninsured Motorist Coverage
Protects you when hit by an uninsured driver. Indiana requires carriers to offer this coverage, and you must reject it in writing or it is automatically added to your policy.
Comprehensive Coverage
Covers non-collision damage including deer strikes, hail, theft, and vandalism. Optional for vehicles owned outright, but Indiana's deer population makes this coverage relevant in rural counties.
Full Coverage
Liability plus collision and comprehensive. Cost-justified only when vehicle value exceeds $10,000 and annual premiums remain below 15% of the car's market value.