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Comprehensive Local Motorcycle Insurance Guide

Indiana Motorcycle Insurance

Motorcycle Registrations in IN

^ There are 223,103 registered motorcycles in Indiana, the 12th highest number in the nation. [1]

Motorcycle Insurance in IN by City

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Motorcycle Insurance Providers in Indiana

IN Motorcycle Insurance

IN Motorcycle Insurance in Indiana

Motorcycle Insurance Coverage Requirements in Indiana

  • Minimum Liability Limits in IN: 25/50/10 [2]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident

  • Insurer Verification of Insurance in IN [2]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

Indiana Motorcycle Insurance Liability Requirements

Required Motorcycle Insurance Coverage in Indiana

Mandatory motorcycle insurance coverage for riders in the state of Indiana.

  • Motorcycle Insurance Requirements in IN [2]
    • Bodily injury liability coverage
    • Property damage liability coverage

Motorcycle Helmet Laws in Indiana

    • Motorcycle helmets required for 17 and younger. [3]

Motorcycle Insurance Laws & Regulations in Indiana

Motorcycle License Regulations in Indiana [4]

Detailed information about Indiana laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

Motorcycle License Regulations in Indiana
  • Motorcycle License Laws in IN
    • The operator of a motorcycle may have either a motorcycle learner's permit or a commercial or a regular driver's license, chauffeur's license, or public passenger chauffeur's license with a motorcycle endorsement.
    • A temporary motorcycle learner's permit can be issued to a person who holds a valid operator, chauffer or public passenger chauffer base license and passes a vision screening and motorcycle knowledge test. A learner's permit allows the driver to drive on the highway for a period of 1 year as long as the driver wears a helmet, does not carry passengers, and only operates the motorcycle during daylight hours.
    • A motorcycle license endorsement may be issued if the operator passes a motorcycle skills test or provides proof of completing the Motorcycle Operator's Safety Education Training course as well as a vision screening or has a current motorcycle operator endorsement or license from any other jurisdiction and successfully completes the written test.
    • A motorcycle learner's permit cannot be issued to a person younger than 16 and 180 days of age.

Motorcycle Equipment Laws in Indiana [4]

Various regulations and laws in Indiana regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

  • Motorcycle Equipment Laws in IN
    • Helmet is required for all riders and passengers under the age of 18.
    • Eye protection is required for all riders and passengers under the age of 18.
    • Passenger footrest required if carrying a passenger.
    • A motorcycle operated on the roads of Indiana must be equipped with handlebars that are not higher than the shoulders of the driver when seated in the saddle.
    • Motorcycles must have good working front and rear brakes, and be equipped with lights and reflectors meeting the standards of the U.S. DOT.

Rider & Driver Facts in Indiana

Rider & Driver Facts in Indiana

Indiana Motorcycle Registrations

  • Registered Riders in IN [1]
    • In 2012, Indiana totaled 223,103 motorcycles registrations.
    • This number ranks 12th in the United States by state (including Washington, D.C.).
    • Note: IN ranked 13th in the nation in total auto registrations (all vehicle types) in 2011.

Indiana Highway Facts

  • Speed Limits in IN [3]
    • Rural interstates: 70 mph (Trucks: 65 mph)
    • Urban interstates: 55 mph
    • Other roads: 55 mph
  • Consumption of Motor Fuel in IN [5]
    • Indiana ranked 13th in the U.S. in 2011 in total motor fuel consumption.

Indiana Accident Reporting Regulations

  • Accident Reporting in IN [4]
    • Crashes are required to be immediately reported if they result in death or injury.
    • Crashes are required to be immediately reported if property damage exceeds $750.

Additional information about Indiana

About Indiana

Indiana as a whole has an approximate population of 6,483,802, which ranks 14th in the nation. [6]

IN Motorcycle Insurance

IN Motorcycle Insurance

To learn more about Motorcycle Insurance in Indiana, or for additional resources related to Indiana Motorcycle Insurance, visit the Indiana Department of Insurance.

Did you know?

The number of miles you typically ride per a year and where you store your bike can directly affect your motorcycle insurance rates.

Indiana Cities


1. ^ Federal Highway Administration

2. ^ Property Casualty Insurers Association of America (PCIAA)

3. ^ Insurance Institute for Highway Safety (IIHS)

4. ^ AAA Digest of Motor Laws and/or Indiana DOT

5. ^ U.S. Department of Transportation

6. ^ United States Census Bureau (2010)