# Indiana motorcycle insurance for riders who know the roads.

Canonical page: https://www.roamly.com/states/motorcycle-insurance-indiana

From the Brown County hills on State Road 135 to the Ohio River Scenic Byway, Roamly works with carriers who understand how Hoosiers actually ride.

### Indiana at a Glance

| **Requirement** | **Details** |
| --- | --- |
| **Minimum liability** | 25/50/25 ($25k bodily injury per person, $50k per accident, $25k property damage). Uninsured and underinsured motorist coverage comes with new policies unless you reject it in writing. |
| **Helmet law** | Required for operators and passengers under 18, and for anyone riding on a learner's permit. Riders under 18 also need glasses, goggles, or a face shield. Endorsed riders 18 and older can choose. |
| **Lane splitting** | Not legal. Indiana law gives every vehicle, motorcycles included, full use of its lane. Two motorcycles may ride side by side in one lane if both riders agree. |
| **Registration** | No safety inspection. Emissions testing applies only in Lake and Porter counties, and motorcycles are exempt. As of September 2026, the BMV motorcycle registration fee is $26.35, plus excise and any county taxes. *Requirements and regulations may change. Verify with the Indiana Department of Insurance and the Indiana Bureau of Motor Vehicles for the most current information.* |

## What you need to know about Motorcycle Insurance in Indiana

Indiana leaves helmets up to endorsed adult riders, puts UM/UIM on your policy unless you turn it down, and checks your insurance after every reported crash. Here's what actually shapes your policy.

### Indiana's 25/50/25 Minimum

The state requires $25k/$50k bodily injury and $25k property damage — the property damage minimum has been $25k since July 1, 2018. Uninsured and underinsured motorist coverage is included on new policies unless you reject it in writing, and underinsured coverage has to be offered at $50k or more. We'll help you figure out what makes sense for how you ride.

### Agreed Value for Custom Builds

Your Sportster with the bobbed fender and custom tank isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.

### Peer-to-Peer Rental Coverage

Riders pour into Indianapolis on race weekends and head south for Brown County in the fall. Want to list your bike on Twisted Road or Riders Share for them? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.

### SR-22 Filing When Needed

If the Indiana Bureau of Motor Vehicles requires an SR-22 after an insurance suspension, you'll need to keep it on file for 180 consecutive days; some other suspensions call for three or five years. Roamly works with carriers that file SR-22s, and we'll help you get the filing started. No judgment.

## Protection Beyond Basics

| **Type** | **Details** |
| --- | --- |
| **Mechanical Breakdown Coverage** | Engines fail at the worst times — like on a back stretch of State Road 135, miles from the next town. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
| **Riding Gear Coverage** | Helmets, jackets, boots, and gloves — even where Indiana makes the helmet optional, good gear isn't cheap to replace. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
| **Agreed Value for Custom Builds** | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. |

## Rent Your Bike Without Losing Coverage

Brown County in the fall and the river roads along the Ohio bring riders to Indiana from out of state. Listing your bike on Twisted Road or Riders Share can help it earn its keep between your own rides, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected.

## What Indiana Actually Requires

**Indiana mandates 25/50/25 liability coverage for motorcycles, the same as for cars.** That's $25k per person and $50k per accident for bodily injury, plus $25k for property damage. Uninsured and underinsured motorist coverage is part of new policies unless you reject it in writing. Indiana is an at-fault state with no PIP requirement, so medical payments coverage is an optional add-on worth considering. If you're under 18 or riding on a learner's permit, a DOT-compliant helmet is required. The minimums keep you legal, but they won't go far if you total someone else's Road Glide or hurt someone badly — and liability alone doesn't pay to fix or replace your own bike. We'll help you figure out what makes sense for your situation.

## Custom Builds Get Real Value

**You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension.** Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim.

### LEGAL DISCLAIMERS

*Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions.* ***Indiana law references current as of September 2026 — confirm current requirements with the Indiana Department of Insurance and the Indiana Bureau of Motor Vehicles.***

## Frequently asked questions

### What's the minimum motorcycle insurance required in Indiana?

Indiana requires 25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Uninsured and underinsured motorist coverage is included on new policies unless you reject it in writing. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the Indiana Department of Insurance.

### Do I have to wear a helmet in Indiana?

Only if you're under 18 or riding on a learner's permit. Operators and passengers under 18 need a helmet that meets the federal DOT standard, plus glasses, goggles, or a face shield. Permit holders of any age must wear a DOT-approved helmet and can't carry passengers. Endorsed riders 18 and older can decide for themselves.

### How much does motorcycle insurance cost in Indiana?

It depends on your bike, riding history, where you live, and the coverage you pick. Keeping or rejecting uninsured and underinsured motorist coverage changes the price, and so does adding collision, comprehensive, or medical payments. A personalized quote takes a few minutes and gives you the real number.

### Does Roamly cover peer-to-peer rentals like Twisted Road?

Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy.

### Will you insure my custom build at real value?

Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy.

### Do I need full coverage or just liability?

Liability is what Indiana requires — it pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or hail. If you're financing, your lender will likely require both.

### What if I need SR-22 in Indiana?

An SR-22 is a certificate your insurer files electronically with the Indiana Bureau of Motor Vehicles to prove you carry at least the minimum coverage. After an insurance-related suspension, you'll need to keep it for 180 consecutive days; some other suspensions call for three or five years. Roamly works with carriers that file SR-22s and can help you keep it active. Coverage terms, conditions, and availability vary by state and policy.

### Does my credit score affect my rate in Indiana?

It can. Indiana allows insurers to use credit information, but it can't be the only reason to deny, cancel, or non-renew your policy, and medical collections can't count against you. Your riding record, bike, and location are also major rating factors, and how much each one counts varies by carrier.

### What happens with my insurance after a crash in Indiana?

The BMV checks. Within 45 days of receiving a crash report, it sends every operator named in it a request for proof of insurance — whether or not you were at fault. Your insurer then files a Certificate of Compliance, and if the BMV doesn't receive and process it within 90 days of its request, your driving privileges are suspended. Keeping continuous coverage on your bike keeps that from turning into a problem.

## About Roamly

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