Indiana Online Gambling 2020

A state with a tradition of riverboat and land-based casinos, Indiana online gambling is coming into its own. The state hosts one of the newest online sports betting markets in the U.S.

Legal casino gambling started in Indiana in the mid-1990s. As of 2020, the Hoosier State is home to 12 land-based casinos. The casinos represent a large part of the state’s economy and industry.

On May 8, 2019, Governor Eric Holcomb legalized both retail and online sports betting with House Bill 1015. The state’s first retail sportsbooks began taking bets in September 2019. Mobile sports betting platforms began to roll out in October 2019.

Nearly all the state’s casinos now offer retail sports betting, with mobile sportsbooks continuing to develop as well.

Indiana Online Gambling At A Glance

Game TypeIndiana Gaming Options
Online casinosOnline casinos are explicitly illegal in Indiana; playing on an illegal/offshore online casino is a criminal act in the state
Online sports bettingLegalized online sports betting platforms debuted in Indiana in October 2019
Online horse race bettingBetting on nationwide horse racing is available on various mobile apps
Online lotteryNot available in Indiana
Daily Fantasy SportsFormally legalized in Indiana in 2016
Online pokerOnline poker is illegal in Indiana and playing on any online poker site is punishable by law
Sweepstakes casinosChumba Casino and other sweepstakes casinos open to Indiana players; however online gambling outside of state-regulated platforms is punishable by law
Sweepstakes poker sitesGlobal Poker open to Indiana players; however due to the criminalization of online casinos and poker in the state players should proceed with caution

Mobile Sports Betting Comes To Indiana

The sports betting scene in Indiana is growing rapidly. The passage of HB 1015 in May 2019 legalized both retail and online sports betting in the Hoosier State.

It didn’t take long for sportsbooks to get up and running in Indiana after that. September 2019 saw most of the state’s land-based casinos open retail sportsbooks on property. Online sports betting platforms began to operate the following month.

Like many of the U.S. states with legal online sports betting, the state’s land-based casinos own the mobile sportsbooks. Land-based casinos often operate the sportsbooks in partnership with strategic online operators.

Still in its infancy, online sports betting in the U.S. has proven successful in states which offer mobile betting options. In both New Jersey and Pennsylvania, mobile sports betting accounts for more than 85 percent of overall sports betting revenue.

Mobile wagering apps offer bettors the convenience of depositing, withdrawing, line searching, and researching right from a mobile device or desktop.

Anyone of legal age within the state borders can now wager online. This means online sports betting will almost certainly be a massive revenue boost for the Indiana casino industry.

See our full Guide To Indiana Online Sports Betting

Industry’s Top Brands Descend On Indiana

Indiana’s emerging online sports betting scene has attracted some of the industry’s top brands.

DraftKings Sportsbook was the first online sports betting platform to launch in Indiana, in partnership with Ameristar Casino. Several other platforms have launched since then, including FanDuel Sportsbook, BetMGM, BetRivers, and PointsBet.

More mobile sportsbooks are on the way. Other big names like William Hill, 888, Fox Bet, Scientific Games, and Caesars Entertainment all expect to operate in Indiana.

March 2020 revenue numbers show DraftKings Sportsbook and FanDuel Sportsbook at the top of the Indiana mobile sports betting market.

Indiana Online Gambling: The Run-Down

Indiana Online Casinos

The legal view of online casino gaming in Indiana is unique. Online gambling of any kind (outside of sports betting) is not only illegal but criminalized.

This means playing on offshore online poker sites and casinos within Indiana borders could subject the player to criminal prosecution.

In most other states, the operators of offshore or illegal online casinos bear the legal consequences of prosecution. This makes it unlikely that players on these sites would face legal action from the state or federal government.

In Indiana, however, engaging in any kind of online casino gambling or poker is a felony on the player’s part. This subjects the player to fines or jail time. Players would be wise to avoid any kind of online gambling in Indiana, aside from the state’s regulated mobile sports betting sites.

The legalization of online sports betting, however, does signal a shift in stance toward online gaming in general in Indiana. Perhaps in the future other forms of regulated mobile gambling could be legalized.

Learn more in our comprehensive Guide To Legal Online Casinos In The US.

Indiana Online Sports Betting

Indiana joined the growing number of U.S. states with legalized online sports betting in 2019. State casinos received the green light to launch both retail and mobile sportsbooks when Gov. Eric Holcomb signed House Bill 1015 into law in May 2019.

This legislation opened a new era of online sports betting in Indiana, which has strict laws against other forms of online gambling.

Indiana’s proximity to major cities in surrounding states makes it a prime candidate for a thriving mobile sports betting market. With Chicago, Cincinnati, and Louisville all within just a few miles of state borders, players in those markets can easily make the short trip into Indiana to place mobile sports wagers.

As of March 2020, Indiana’s sports betting industry has brought in more than $65 million in revenue. Most of the revenue comes from online platforms.

Online Horse Race Betting

Indiana has a tradition of horse racing dating back to the late 1980s. The state legalized pari-mutuel betting in 1989. As of 2020, the state hosts two major racetracks and four off-track betting (OTB) venues.

Much like many other U.S. states with legal betting on horse races,  online horse race betting has a longer history than any other form of online gambling.

Indiana bettors have access to mobile horse race betting clients like TVG and BetAmerica. Both serve multiple states and allow for betting on races across the country.

See our comprehensive review of Online Horse Betting In The US.

Online Lottery In Indiana

Indiana’s state lottery, the Hoosier Lottery, doesn’t permit online ticket purchases. That could change, however, in the future.

According to a June 2019 article in the Indiana Business Journal, the state lottery is looking into the process of expanding to include online lottery. A Hoosier Lottery mobile app could allow for online purchases of in-state lottery draw and instant win games.

Indiana also participates in multi-state lotteries like Mega Millions and Powerball. An online lottery platform could make Indiana the latest state to allow for purchases to these games online.

Neighboring states like Illinois and Kentucky introduced online lottery options, which boosted lottery revenues in both states.

Indiana Fantasy Sports

Daily Fantasy Sports platforms like FanDuel and DraftKings are available to most of the U.S. Currently, 21 states have legislation in place that makes DFS explicitly legal.

Indiana was the second state to pass DFS laws. This made DFS a legal, regulated form of online gambling. Former Indiana Gov. Mike Pence signed Senate Bill 339 into law in March 2016.

This bill was particularly important for DFS players in Indiana, due to the state’s stance on other forms of online gambling. Aside from DFS and sports betting, any form of online gambling is a criminal act subject to fines and jail time.

Not surprisingly, DraftKings and FanDuel are the overwhelming leaders in the Indiana DFS market.

Sweepstakes Casinos

Indiana has strict laws in place against online gambling. Any kind of online gambling (outside of state-regulated daily fantasy sports, horse race betting, and sports betting) are subject to penalty by law. Sweepstakes casinos and poker rooms should be approached with caution in Indiana.

Players in most of the US, including Indiana, can access casinos and poker rooms that operate under the sweepstakes model. These sites include Chumba Casino, the biggest of the sweepstakes casinos, as well as LuckyLand Casino.

Chumba Casino’s play money games use “Gold Coins.” Players may purchase Gold Coins but they carry no monetary value. When purchasing Gold Coins, players also receive an allotment of “Sweepstakes Cash” aka “Sweeps Coins.”

Players use Sweeps Coins to play in sweepstakes games that are separate from the Gold Coins play money games. Unlike the Gold Coins, players can redeem Sweeps Coins for cash prizes.

The Sweeps Coins games at Chumba Casino operate legally as mini-sweepstakes games. Chumba Casino offers a large selection of casino games, including blackjack, roulette, slots, and video poker.

Indiana players can redeem a mail-in offer to get small amounts of Sweeps Coins for free. This allows access to Chumba Casino. But again any kind of online gambling in Indiana is subject to penalty under law.

Sweepstakes Poker Sites

VGW Malta Limited, the same company that owns Chumba Casino, also operates sweepstakes poker room Global Poker. The largest of the sweepstakes poker sites, Global Poker operates the same way as a sweepstakes casino.

Players may purchase “Gold Coins” for play money games on Global Poker. All Gold Coins come with a corresponding amount of “Sweeps Coins,” which players use in Sweeps Coins poker games. They can be redeemed for cash prizes too.

The Sweeps Coins on Global Poker cannot be purchased directly. Instead, they are allotted to players as a gift. Sweeps Coins generally only come with the purchase of Gold Coins. Players can redeem mail-in offers for a small amount of Sweeps Coins.

As is the case with Chumba Casino, these mail-in offers are the only way Global Poker legally operates in Indiana. Purchasing Gold Coins, or even playing with free, gifted Sweeps Coins could still be illegal under Indiana law, and should be done with caution.

Guide To Online Sports Betting In Indiana

Mobile Devices

The most convenient way to play on Indiana’s legal sports betting sites is on a mobile device. Using geolocation technology, Indiana’s regulated online sportsbooks allow players to bet from anywhere within state borders.

All of Indiana’s currently operating mobile sports betting apps are available for Android and Apple iOS devices. Note that the Android app is not available for all online sportsbooks through Google Play. Instead, bettors must download the app directly from an online casino’s official site. This is a restriction that Google Play places on online gambling apps, which Apple does not.

Desktop

Accessing Indiana’s legal online sportsbook on a desktop computer is as easy as going to the site of choice and placing bets.

Players can easily manage deposits, withdrawals, bonuses, promotions, and actual betting directly on an online casino’s official website.

DraftKings Sportsbook

Indiana players can access DraftKings Sportsbook by downloading the mobile app. It is available for both Android and iOS devices. The app will then allow for bets to be placed if the user is within Indiana borders at the time.

Desktop users can go to DraftKings Sportsbook website. Like the mobile app, players can navigate to the DraftKings Sportsbook Indiana site and set up an account.

FanDuel Sportsbook

The FanDuel Sportsbook app is available as a free download on both Android and iOS devices. Navigate to the Indiana menu after downloading the app to set up an account and play.

The FanDuel Sportsbook Indiana website is the go-to option for desktop users.

Bet MGM

Search for the BetMGM Indiana mobile app in the app store for iOS devices. Download the Android app directly from the BetMGM Indiana official site. Register an account, deposit, and play from anywhere in the state from a mobile device.

For desktop users, go to the BetMGM official website, navigate to the Indiana menu, set up an account, and start betting.

BetRivers

Much like its other Indiana counterparts, the BetRivers mobile app is available for both iOS and Android devices. For both devices, players must download the app directly from the BetRivers Indiana official website.

The BetRivers Indiana site also allows for registration, deposit, and play directly through the site on a desktop computer.

PointsBet

Players find the PointsBet sports betting in the app store for iOS devices. For Android users, the app is available on the main PointsBet website by navigating to Indiana from the homepage.

Indiana bettors can also start an account, deposit, and play directly through the PointsBet website.

BetAmerica

The BetAmerica online sportsbook is available to Indiana players. Like the other mobile Indiana sportsbooks, it is available as an app store download for iOS users, or directly from the BetAmerica.com site for Android users.

Desktop players access the sportsbook directly through the official site.

History Of Online Gambling In Indiana

Indiana is unique when it comes to state laws on online gambling. The launch of state-regulated, legal online sportsbooks introduced a new era of mobile gambling in Indiana.

Any other kind of online gambling within state borders, however, should be approached with extreme caution.

Under Indiana law, any other form of online gambling, outside of state-regulated mobile sportsbook, is illegal. It is not just against the law, but subject to criminal prosecution. This means that playing on offshore casino, poker, or sports betting sites could result in legal ramifications.

This stance differs from most other U.S. states. In most cases, states place the criminality of unregulated gambling sites on the operators of the site, and not the player.

Introduction Of Sports Betting In Indiana

In spite of these strict laws, Indiana joined the ranks of U.S. states to legalize online sports betting in 2019. Governor Eric Holcomb signed legislation in May 2019 to bring legal sports wagering to the Hoosier State.

The process of application, licensing, and launch was rapid for Indiana’s new mobile sportsbooks. Retail sportsbooks began to launch just four months later, in September 2019. Mobile sports betting platforms became available to Indiana bettors the following month.

As of April 2020, Indiana players have five different mobile sportsbooks to choose from. Sports betting brands such as DraftKings SportsBook, Fan Duel Sportsbook, Bet MGM, PointsBet, BetAmerica, and BetRivers all have Indiana platforms up and running. It is estimated there are more to come in the second half of 2020.

It’s unknown if Indiana’s new mobile sports betting industry will change the state’s stance on other forms of online gambling. For now, Indiana joins the list of states at the front of the curve in the realm of online sports betting legislation in the U.S.

Indiana’s Live Gambling Industry

Timeline Of Gambling In Indiana

Indiana introduced the first forms of legalized gambling in 1989. This included the introduction of both pari-mutuel horse race betting and the Hoosier Lottery.

In that same year, pro-gambling lawmakers also went to work on legislation to bring retail casino gambling to Indiana. These efforts went back and forth for years. In July 1993, the state finally passed the Indiana Riverboat Act into law.

The law allowed for riverboat casinos to operate in Indiana. As of 2020, Indiana hosts 14 retail casinos. The language of the Indiana Riverboat Act required Indiana casinos to operate as riverboat properties. In 2015, the state relaxed those laws to allow casinos to move into land-based buildings.

These casinos are home to traditional Las Vegas-style games, like slots, blackjack, video poker, baccarat, and craps. In 2019, Indiana legalized sports betting. Nearly all Indiana casinos added sportsbooks to their retail properties.

Indiana Gambling Facts

FAQAnswer
Is Lottery legal in Indiana?Yes; the Hoosier Lottery offers numerous instant win and draw games tickets for purchase throughout Indiana. Indiana also participates in multi-state lotteries like Powerball and MegaMillions.
Does Indiana have casinos?Yes; Indiana is home to 14 casinos, most of which operate as riverboat casinos under state law
Does Indiana have racetracks?Yes; Indiana is home to two major horse racetracks
Where else can I gamble in Indiana?Online sports betting is legal on state-regulated platforms, which can be accessed from anywhere within state borders
What is the minimum gambling age?21 (18 for horse race betting and lottery)
Who regulates gambling?The Indiana Gaming Commission (IGC)

Indiana’s Live Casinos

According to the language of the Indiana Riverboat Act, most of the state’s casinos began as riverboat properties. The casinos were situated along the rivers and lakes of the state.

When signed into law in July 1993, the Indiana Riverboat Act permitted the construction of five casinos along Lake Michigan, five on the shores of the Ohio River, and one on Patoka Lake. All 11 of those casino sites still operate as of 2020.

Indiana authorized the state’s two horse racetracks, Hoosier Park and Indiana Downs, to add slot machines in 2007. Both currently operate as racinos (combined casino and racetrack venue) in the Indianapolis area.

The Pokagon Band of Potawatomi Indians opened the Four Winds South Bend as a tribal casino in South Bend in 2007.

Current Indiana Casinos

Casino NameLocation
Ameristar Casino Hotel East ChicagoEast Chicago
Belterra CasinoFlorence
Blue Chip CasinoMichigan City
Four Winds South BendSouth Bend
French Lick Resort CasinoFrench Lick
Hollywood Casino LawrenceburgLawrenceburg
Harrah’s Hoosier ParkAnderson
Caesars Southern IndianaElizabeth
Horseshoe CasinoHammond
Indiana Grand CasinoShelbyville
Majestic StarGary
Majestic Star IIGary
Rising Star Casino ResortRising Sun
Tropicana EvansvilleEvansville

Success Of Indiana Casinos

Since the state introduced casino gambling in the mid-1990s, the Indiana casino industry has grown into a multi-billion-dollar market. In each of the last three years (2017, 2018, and 2019), Indiana’s retail casinos brought in more than $2.2 billion in annual win.

Horseshoe Casino in Hammond, with its proximity to Chicago, is the top revenue producer among Indiana’s casinos. The Horseshoe brought in more than $386 million in total win in 2019.

Indiana Grand Casino brought in more than $285 million in 2019 win, the second-highest total in the state. Caesars Southern Indiana (formerly known as Horseshoe Southern Indiana), Ameristar Casino, and Harrah’s Hoosier Park all topped the $210 million revenue mark in 2019.

Gaming and Leisure Properties and Caesars Entertainment both have a major presence in the Indiana casino industry, with each company owning four casinos in the state.

Hoosier Lottery

Indiana’s state lottery celebrates its 30th anniversary in 2020. The Hoosier Lottery sold its first instant win ticket in 1989. Since then it’s grown into a billion-dollar industry.

The Hoosier Lottery realized record revenues in the fiscal year 2018-2019, bringing in more than $1.34 billion.

The Hoosier Lottery offers daily and weekly draw games. These include in-state drawings like Hoosier Lotto Plus, with jackpots that reach into seven figures. The Hoosier Lottery also offers numerous instant-win and scratch-off games as well as fast-play games.

Indiana is one of 45 states that participate in the two biggest multi-state lotteries, MegaMillions and Powerball. Tickets for these games and all in-state drawings are available at physical locations throughout the state.

Online lottery ticket purchases are not available in Indiana as of 2020. The Hoosier Lottery’s operator, IGT, announced that it’s looking into developing an online lottery in future years.

Interestingly, Indiana’s lottery history dates to the early 1800s. The Indiana constitutional convention of 1851, though, outlawed all lotteries in the state. This ban continued for almost 140 years. In 1988, Indiana’s residents successfully voted for a constitutional amendment to overturn the lottery ban.

Horse Race Betting

A pair of major horse racetracks, both in the Indianapolis area, are at the heart of the state’s horse racing traditions. Harrah’s Hoosier Park and Indiana Grand both began as stand-alone horse race venues. Both properties now operate as racinos, with casino gaming now available to patrons.

At least four off-track betting (OTB) locations operate in Indiana as well. Overall, Indiana’s in-state horse race betting platforms generated more than $63 million in handle in 2018.

More On Indiana Gambling

Indiana Gaming Commission

https://www.in.gov/igc/

Indiana’s Riverboat Casinos and Hotels

https://traveltips.usatoday.com/indianas-riverboat-casinos-hotels-56730.html

IGC Revenue Reports

https://www.in.gov/igc/2362.htm

Indiana Horse Racing Commission

https://www.in.gov/hrc/

Sports Betting in Indiana

https://www.indystar.com/story/news/local/2019/08/31/indiana-sports-betting-gambling-casinos-gaming/2166381001/

Indiana Gambling FAQ

Is it legal to gamble at a casino in Indiana?

Yes. Indiana legalized riverboat casino gambling in 1993. Indiana is now home to 14 casinos, most of which still operate as riverboat casinos.

Indiana amended state laws in 2015 to allow riverboat casinos to move ashore. The new land-based casino facilities still need to be located on the original property where the riverboat casino was moored.

The state’s two major horse racetracks added casino gaming in 2007. These two racinos, along with the tribal casino Four Winds South Bend, are the only Indiana casinos not situated along the water.

What is the legal minimum gambling age in Indiana?

Players 21 and over can legally play in retail casinos. They can also wager on sports via the state’s legal, regulated sportsbooks. The minimum age for the Hoosier Lottery and horse race betting is 18.

Minors can enter Indiana casinos but are not to loiter on the casino floor, gamble, or consume alcohol.

Is it legal to gamble online in Indiana?

Yes, but the only legal form of online gambling in Indiana is betting on state-regulated sportsbooks.

All other forms of online gambling are not only illegal but are criminalized in Indiana. Any kind of play on online casino or poker platforms are subject to penalty by law.

As such, playing on offshore online casino or poker sites should be avoided.

What is the tax rate on gambling winnings in Indiana?

Any gambling winnings derived from a casino, online sportsbook, horse race bet, or the state lottery is subject to the Indiana personal income tax rate of 3.23%. It is the responsibility of the player to report all gambling winnings.

Note that this 3.23% is the state tax rate owed on gambling winnings. The federal tax rate for gambling winnings over $5,000 is 24%.

For more on Indiana gambling tax laws check out this link.

Is online sports betting legal in Indiana?

Yes. Indiana legalized both live and online sports betting in May 2019.

Players can wager on mobile sports betting from anywhere within state borders. These online sportsbooks use geolocation technology to determine a user’s location.

Online sports betting on offshore sites, or any site not regulated by the Indiana Gaming Commission, is criminalized in Indiana.

Is online sports betting safe in Indiana?

Yes. Indiana’s land-based casinos own and operate all state-regulated mobile sports betting platforms in the state. The Indiana Gaming Commission, a government agency, regulates all retail casinos and online sports betting platforms.

Betting on Indiana’s legal mobile sportsbooks comes with the same level of safety as gaming at a legal land-based casino in Indiana.

How do I deposit and withdraw on Indiana’s online sportsbooks?

Players can access numerous methods of deposit and withdrawal options. This includes ACH/eCheck, prepaid debit cards, PayPal, PayNearMe, and credit/debit card.

Some of these methods are more accepted and reliable than others. Use credit cards with caution when depositing. The issuing bank might view the deposit as a cash advance and charge fees accordingly.

Who regulates Indiana’s online gambling and sportsbooks?

The Indiana Gaming Commission. The IGC, a government agency, oversees and regulates Indiana’s legal casino industry.

The IGC regulates all casino gaming conducted at a legal Indiana casino. The agency also regulates all sports betting, at retail sportsbooks or regulated mobile platforms.

Who operates Indiana’s online sports betting sites?

Retail casinos. The state’s land0based casinos own and operate all legal online sports betting platforms. This is sometimes in collaboration with technology partners like DraftKings Sportsbook and FanDuel Sportsbook.

Retail sportsbooks started to operate at casinos across the state in September 2019. Online sports betting apps started to launch in October 2019.

Do Indiana’s online sportsbooks keep my information safe?

Yes. Indiana’s online sports betting platforms have the same high-level encryption used by major banking and retail shopping institutions.

Indiana gaming sites have a vested interest in protecting customer information. Players can also utilize extra layers of protection, such as two-step authentication for login.

 

About the Author

Amber Hoffman

Amber Hoffman is Managing Editor of Bonus.com. A recovering attorney, she's spent almost a decade developing and managing websites and writing for a variety of industries. Amber became a Cubs fan after living a handful of blocks from Wrigley Field, much to the chagrin of her Mets-loving family and Red Sox-loving husband. Amber writes for a number of online sites including the food and lifestyle site Food And Drink Destinations.