A Guide to Motorcycle Insurance in Indiana (IN)

As home to the Indianapolis 500, Indiana is no stranger to speed! But when it comes to properly feeling the wind at your heels and really exploring Indiana there is no better place to do it then on the back of a motorcycle.

However, it is crucial to realise that if you are going to enjoy it without fear of what the consequences of your adventures might be, especially if you have an accident, then you should be sure to get proper full coverage Indiana Motorcycle Insurance that covers you for every eventuality.

In Indiana there are certain minimum insurance requirements that you need to meet if you are going to ride legally on the roads. These are not really designed to be overly generous limits, but more like safety nets that allows anyone to ride on the road legally. They also only really cater for liability insurance requirements, so that even if you cause an accident at least the other person involved won’t have to pay out.

That is the theory in any case, but in practice approximately 15% of all the drivers on the road are doing so without any type of insurance, and so it is important that you check to make sure what the levels of Underinsured and Uninsured driver coverage are on your policy, as you could well end up having to pay for an accident, even if ultimately it wasn’t your fault.

The Minimum Indiana Motorcycle Insurance Required By Law

Those minimum requirements for Motorcycle Insurance in Indiana are:

$25,000 for bodily injury cover per person
$50,000 in total to cover each accident
$10,000 to cover property damage caused by any accident.

These levels of cover are usually shortened to 25/50/10.

Are the minimum levels of Indiana Motorcycle Insurance Cover high enough?

Indiana Motorcycle Insurance SealIt is interesting to consider whether these minimum rates are actually high enough, because the fact is that whilst you can save a few dollars by only getting the bare minimum amounts of motorcycle insurance in Indiana, that this could end up being a decision you regret when you are faced with the bill from an accident.

If you compare the bodily injury levels that the state mandates for example ($25,000) with the amounts of medical insurance that you might typically get if you were buying travel insurance (often $1 million plus) then it is easy to start to see the disparity between what an accident could end up costing you, and the amount of Indiana Motorcycle insurance that you currently have.

If you look around at several different types of Indiana Motorcycle Insurance Companies and the cover that they have to offer then you will notice that more common policy figures for the liability element might be:

$50,000, $100,000 or $500,000 for bodily injury cover per person
$100,000, $300,000 or $500,000 in total to cover each accident
$25,000, $50,000 or $100,000 to cover property damage caused by an accident.

And that they would also cover additional aspects (for an extra cost) such as cover for:

Pedestrian Cover - Any pedestrians who were hit in any accident

Guest Passenger Liability – To cover pillion passengers or passengers riding on your bike at the time of the accident.

Uninsured/Underinsured Motorist Coverage – So that if the other party doesn’t have any insurance that even if they were at fault you can still claim on your insurance.

Cover for Accessories – This might include custom parts, tyres, chrome work, helmets and clothing.

Comprehensive Cover – This would include cover for the theft of your motorcycle, fires or collision damage.

Now, the bottom line is that the more of these types of extra cover that you get the more you will have to pay in the way of premiums for your Indiana Motorcycle Insurance. But the plain fact is that full-coverage insurance covers far more of the scenarios that you may end up eventually running into when your ride your motorcycle.

(You should also periodically check into the state minimums for Indiana Motorcycle Insurance at the Indiana Department of Insurance, so that you have the very latest legal information - https://www.in.gov/idoi/)

So be sure to get a wide variety of quotes and start to compare exactly what you get for your money, and the costs of any potential premiums.


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