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Motorcycle Insurance in Indiana

Indiana defines a motorcycle as a motorized vehicle with a seat or a saddle for the driver and operating on a maximum of three wheels, not including tractors or motorized bikes. Motorcycles are considered the same as passenger vehicles by the state of Indiana for registration, titling, and insurance requirements. Indiana allows Indiana residents with a valid Indiana driver’s license to add a motorcycle endorsement to their license. An Indiana motorcycle learner’s permit requires residents visit a license branch, pass a standard vision screening test, and pass a knowledge examination based on the Motorcycle Operator’s Manual. Indiana’s motorcycle learner’s permit is valid for one year. A motorcycle endorsement may be added to a valid Indiana driver’s license with a motorcycle learner’s permit, proof of passing a motorcycle skills test or safety course, and by passing a standard vision screening test. Application for a motorcycle driver’s license will not be accepted until 30 days have passed since obtaining a motorcycle learner’s permit.

Motorcycle License Requirements

  • Identification with name and date of birth
  • Social security number
  • Proof of insurance
  • Motorcycle learner’s permit
  • Proof of passing either a motorcycle skills testing or safety course

Insurance Requirements

Indiana requires the same insurance for motorcycles as passenger cars — you must have a personal injury liability of $25,000 for a single person, personal injury liability of $50,000 for all persons in a single accident, and a property damage liability of $10,000. Drivers must be able to prove financial responsibility in one of the following ways:

  • Buy insurance — Purchase liability coverage from a state-licensed insurance provider.
  • Deposit — Make a $40,000 deposit with the state treasurer or a trust fund with a market value of $40,000.
  • Post bond — A bond issued by a surety company.

Insurance Rates

Indiana’s criteria for determining insurance rates include age and sex, marital status, driver record, car use, place of residence, policy limits, deductibles, type of car, driver training, claims history, and credit scores. Males and unmarried couples have higher insurance rates than females and married couples, and vehicle cost correlates to the cost of insurance. A history of traffic fines and accidents will raise the cost of insurance, and may even warrant searching for alternative means of proving financial responsibility, such as state treasurer or trust fund deposits.

State Laws

Speeding tickets, higher motorcycle insurance premiums, and license revocation may result from improper motorcycle maintenance or failure to abide by state laws. Motorcycle laws vary by state, and drivers must follow the laws of the state the driver is in, not where the motorcycle is registered. These are the motorcycle state laws for Indiana: