SR 124 runs through mostly agricultural land and near a few state parks through Northern Indiana.

The state road heads east concurrent with Riverside Drive and parallel to the Wabash River.

The road leaves Peru and enters rural Miami County, passing through farmland.

After crossing over the river SR 124 passes north of the Mississinewa Lake Dam, before entering Wabash County.

The highway has an at-grade crossing with a Norfolk Southern Railroad track, before entering the city of Bluffton.

The highway passes commercial properties and has an at-grade crossing with a Wabash Central Railroad track.

The road enters Monroe concurrent with Washington Street, passing south of Adams Central Community Schools and through a mostly residential area.

Between late 1938 and early 1939 the route between the Miami–Wabash county line and SR 5 officially becomes a state road.

[7][8] SR 124 in Miami County was added to the state road system in late 1950 or early 1951.