About $199 a month
Commercial auto, Indiana
Insureon average for Indiana customers, updated June 2025
Indiana · state requirements
Commercial auto insurance in Indiana
For Indiana businesses running cars, vans, pickups and trucks: the state’s minimum limits, uninsured motorist rules, carrier filings and penalties, plus what coverage typically costs.
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Get commercial auto quotes in Indiana
What similar businesses pay
- Commercial auto, Indiana
- About $199 a month
- Commercial auto, Indiana range
- $160–$860 a month
- Commercial auto, national
- About $245 a month
Published benchmarks, not quotes. Your price depends on underwriting.
Cost
What commercial auto insurance in Indiana costs
$160–$860 a month
Commercial auto, Indiana range
Insurify average monthly range for Indiana, updated October 2025
About $245 a month
Commercial auto, national
Insureon national average, updated March 2026
Insureon reports that its Indiana customers pay an average of $199 a month, or $2,386 a year, for commercial auto, below the $245 a month it reports nationally. Most of those customers have fewer than five employees, so the figure reflects one or two cars, vans or pickups rather than heavy trucks. Insurify puts the typical Indiana range at $160 to $860 a month. A contractor with a single pickup and clean drivers should expect to land near the low end; for-hire trucks that need a Form E filing, passenger carriers that need $1.5 million or more and anyone with recent claims will pay well above it.
What moves your price
- Vehicle type and weight, especially anything rated at 10,001 pounds or more
- Whether you haul for hire inside Indiana, across state lines or carry passengers
- Liability limits above the 25/50/25 floor that your customers require
- Whether you keep or reject uninsured and underinsured motorist coverage
- Each driver’s record, including any no-insurance suspension or SR22
- Claims history and the deductibles you choose
Indiana
What’s different in Indiana
25/50/25 is the floor, not a safe limit
The Indiana BMV sets the minimum at $25,000 for one person’s injuries, $50,000 per accident and $25,000 for property damage. One serious injury or a damaged truck or storefront can exceed that, and the rest becomes a claim against your business.
Fault above 50% ends a claim
Under Indiana Code 34-51-2-6, a claimant whose fault is greater than everyone else’s combined recovers nothing. That makes fault evidence decisive: dash cameras and prompt crash reports help your insurer defend you and help you recover your own losses from the other driver.
Employers can be cited for an uninsured vehicle
Indiana Code 9-25-8-2 makes it a Class A infraction to knowingly operate or permit the operation of a vehicle without financial responsibility, and the rule expressly reaches employers. A Class A infraction can carry a judgment of up to $10,000 under IC 34-28-5-4, and a repeat violation becomes a Class C misdemeanor.
A no-insurance suspension has no end date
The BMV says no-insurance suspensions effective on or after December 31, 2021 are indefinite: they end only after an SR22 is filed and kept for 180 consecutive days. Reinstatement fees of $250, $500 or $1,000 apply for a first, second or third suspension unless that SR22 runs the full 180 days.
An unlisted truck on an in-state trip
In Progressive Southeastern v. B&T Bulk (2022), the Indiana Supreme Court held that the MCS-90 endorsement does not apply to purely intrastate trips. The truck in that case was not listed on the policy, and the endorsement could not fill the gap.
Trucks figure in more fatal crashes here
NHTSA counted 159 large trucks in fatal crashes in Indiana in 2023, 12.3% of all vehicles in fatal crashes against 9.2% nationally. Of the 143 people killed in those crashes, 113 were outside the truck, which is why injury claims drive truck premiums.
Coverage
Coverage Indiana businesses need
Auto liability
Pays for injuries and property damage your vehicles cause to others. It must meet 25/50/25; many businesses buy higher limits to satisfy customer contracts and cover a serious crash.
How commercial auto works →Uninsured and underinsured motorist
Under IC 27-7-5-2, insurers must provide it at your bodily injury limits unless you reject it in writing. Underinsured cover cannot be sold below $50,000, and uninsured property damage is available only with uninsured bodily injury.
How commercial auto works →Physical damage
Collision and comprehensive for your own vehicles. Comprehensive covers deer strikes, which the Indiana DNR says peak from September through December, especially October and November at dawn and dusk.
How commercial auto works →Hired and non-owned auto
Covers your liability when employees drive their own or rented cars for work. Indiana does not require insurers to offer uninsured motorist cover on these non-owned vehicles, so check what your policy includes.
How commercial auto works →Form E state filing
Indiana intrastate for-hire carriers and hazmat haulers need a Form E on file with the Department of Revenue. Your insurer files it, so tell them before you take for-hire work.
How commercial auto works →Umbrella or excess
Adds liability above your auto policy. Indiana lets insurers set their own uninsured motorist limits in a commercial umbrella, and rejecting it on the auto policy rejects it on the umbrella too.
How umbrella / excess works →Rules
Indiana requirements
Every vehicle on Indiana roads must carry the state minimum. Trucks, for-hire carriers and passenger carriers add state or federal filings on top.
| Requirement | Applies to | What it means |
|---|---|---|
| Minimum liability | Every motor vehicle operated in Indiana | $25,000 per person, $50,000 per accident for injuries and $25,000 for property damage, per the Indiana BMV and IC 9-25-4-5. |
| Uninsured and underinsured motorist | Policies on vehicles registered or principally garaged in Indiana | Included at your bodily injury limits unless rejected in writing; the rejection must name the coverage and its effective date. Underinsured is never less than $50,000 (IC 27-7-5-2). |
| Proof after a crash or citation | Drivers asked by the BMV to verify insurance | Your insurer must file a Certificate of Compliance within 90 days of the BMV’s request or the driver is suspended. Employees in company vehicles use State Form 55434. |
| Driving or permitting driving uninsured | Drivers, owners and employers | Class A infraction under IC 9-25-8-2, with judgments up to $10,000 (IC 34-28-5-4); a Class C misdemeanor after a prior violation. |
| No-insurance suspension and reinstatement | Drivers suspended for no insurance | Indefinite suspension, stayed by an SR22 kept for 180 days. Fees of $250, $500 or $1,000 for a first, second or third suspension unless the SR22 runs the full period, per the BMV. |
| USDOT number | Vehicles of 10,001 lb or more, placarded hazmat, 9 or more passengers for pay or 16 or more not for pay, intrastate included | Exempt: farm-plated vehicles that stay in Indiana, and private non-hazmat carriers under 26,000 lb that stay in Indiana, per the Department of Revenue. |
| Intrastate for-hire property (Form E) | Indiana for-hire carriers operating only within the state | Form E filed by your insurer with DOR Motor Carrier Services. J. J. Keller reports Indiana follows federal amounts, usually $750,000 for general freight. |
| Intrastate passenger authority | For-hire passenger carriers operating within Indiana | $1.5 million for 15 or fewer passengers or $5 million for 16 or more, filed on Form E within 60 days of approval, per the Department of Revenue. |
| Interstate for-hire authority | For-hire carriers that leave Indiana | An MC number from FMCSA, with your insurer filing federal proof of coverage, per the Department of Revenue. |
Compare commercial auto options in Indiana.
One application, quotes from several insurers, reviewed by a licensed agent. Start with your email and finish later if you need to.
Pay less
How to lower the cost
- Fit dash cameras: under Indiana’s rule that bars a claimant more than 50% at fault, footage can decide who pays.
- Schedule every vehicle or ask about any-auto liability, so a truck added mid-term is never left out as in B&T Bulk.
- Run driving records before hiring and yearly; keep drivers with an SR22 or no-insurance suspension off the schedule until cleared.
- Raise collision deductibles on older vehicles, but keep comprehensive through the fall deer season.
- Make any UM or UIM change in writing, naming the coverage and date, so it holds up under IC 27-7-5-2.
- Compare quotes at each renewal; Florin is an independent broker that compares options from several insurers.
Before you start
What underwriters ask for
- USDOT number, Indiana ID number or MC number, if you have one
- Vehicle list with VINs, weight ratings, values and garaging addresses
- Driver list with license numbers, dates of birth and CDL class
- Your current declarations page and signed UM and UIM selection form
- Loss runs from your current and prior insurers
- Whether you haul for hire, carry passengers or haul hazmat, and your radius
- The limits and additional insured terms your contracts require
Common questions
Commercial auto insurance in Indiana: questions
What are Indiana’s minimum limits for a business vehicle?
The same as for a personal car: $25,000 per person and $50,000 per accident for injuries, plus $25,000 for property damage, per the BMV.
Do I need a USDOT number if my trucks never leave Indiana?
Usually yes if a vehicle is rated at 10,001 pounds or more, according to the Department of Revenue. Exceptions include farm-plated vehicles and private carriers of non-hazardous goods under 26,000 pounds that stay in Indiana.
Can I reject uninsured motorist coverage on my business auto policy?
Yes, in writing. IC 27-7-5-2 requires the rejection to name the coverage and its effective date, and a rejection on the underlying commercial policy also rejects it on a commercial umbrella.
What happens if my employee is stopped in a company vehicle with no insurance?
The BMV can require proof of insurance and suspend the driver if it is not filed; for company vehicles, the employer completes State Form 55434. Knowingly permitting an uninsured vehicle to be driven is itself a Class A infraction under IC 9-25-8-2.
Is commercial auto cheaper in Indiana than elsewhere?
Insureon’s figures suggest so: its Indiana customers average about $199 a month against $245 nationally. Your own price depends on vehicles, drivers, limits and claims.
Does an MCS-90 endorsement cover my trucks on in-state runs?
Not on purely intrastate trips, according to the Indiana Supreme Court’s 2022 decision in Progressive Southeastern v. B&T Bulk. In-state work relies on the policy itself, so list every vehicle.
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Sources (15)
- Indiana BMV: Proof of financial responsibility (updated June 2026)
- Indiana BMV: Driver’s Manual chapter 5, points, suspension and insurance requirements
- Indiana Code 27-7-5-2: uninsured and underinsured motorist coverage (FindLaw)
- Indiana Code 9-25-8-2: operating without financial responsibility (Counsel Stack)
- Indiana Code 34-28-5-4: infraction judgments (FindLaw)
- Indiana Code 34-51-2-6: comparative fault bar (FindLaw)
- Indiana Department of Revenue: Motor Carrier Services FAQ
- Indiana Department of Revenue: intrastate passenger and household goods authority (2026)
- J. J. Keller: Indiana for-hire carrier authority
- White and Williams: Indiana Supreme Court on MCS-90 and intrastate trips (March 2022)
- NHTSA: Large Trucks, 2023 data (DOT HS 813 717)
- Indiana DNR: deer-vehicle collisions (2026)
- Insureon: commercial auto insurance in Indiana (updated June 2025)
- Insureon: commercial auto insurance cost (updated March 2026)
- Insurify: average cost of commercial auto insurance by state (updated October 2025)
Figures are published third-party estimates, not quotes. Coverage depends on policy terms and underwriting, and rules vary by state. Updated November 2026.