Vehicle Ownership in Indiana — Car Alpha

Complete guide to vehicle ownership in Indiana: insurance requirements (25/50/25), lemon law protections, emissions testing, registration fees, and EV incentives.

Indiana Overview

Midwest · Capital: Indianapolis

Indiana requires liability insurance for all registered vehicles and has a lemon law covering new car purchases. The state does not require emissions testing or safety inspections.

Insurance Requirements

Minimum Coverage

25/50/25

Average Annual Cost

$1,288

$25,000 bodily injury per person / $50,000 bodily injury per accident / $25,000 property damage

Full insurance guide Compare Indiana rates

Indiana Lemon Law

Indiana's Motor Vehicle Protection Act covers new vehicles within 18 months or 18,000 miles. After four repair attempts or 30 business days out of service, the consumer is entitled to a replacement or refund.

Full lemon law guide Talk to a lemon law attorney

Registration & Title

Registration Fee

$21.35 plus excise tax

Title Fee

$15

Plate Fee

$9.40

Indiana charges a base registration fee of $21.35 plus an annual excise tax based on the vehicle's value and age. The excise tax decreases as the vehicle ages.

Full registration guide