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Indiana Auto Insurance

Whether you live in Indianapolis, Hammond, or Terre Haute, if you have a car, you must have Indiana auto insurance.  Fortunately there are many auto insurance companies in Indiana ready to compete for your business.  Shopping for car insurance in Indiana is easy to start, just by entering your zip code in the box below, but before you do, make sure you know the unique rules which govern auto insurance in Indiana.

Indiana Auto Insurance Minimum Liability Requirements

Indiana law requires that you carry certain minimum amounts of auto insurance before you may operate your vehicle.  Specifically those minimum auto insurance requirements for Indiana vehicle owners are:
  • $25,000 bodily injury coverage for 1 person per incident
  • $50,000 bodily injury coverage for all bodily injuries per incident
  • $10,000 property damage coverage

Additionally the state of Indiana requires minimum amounts of insurance coverage to protect you against uninsured and underinsured motorists.  Those minimums are:

  • $25,000 uninsured motorist bodily injury coverage for 1 person per incident
  • $50,000 uninsured motorist bodily injury coverage
  • $50,000 underinsured motorist bodily injury coverage
  • $10,000 property damage coverage

Unless you specifically request in writing to be exempt from this coverage, this coverage is automatically included in all new policies.  Since the cost is low, and this is a valid risk, eliminating this coverage is not a good place to save money on your Indiana auto insurance policy.

Factors Affecting Indiana Car Insurance Rates

It is important to know that Indiana permits each insurance company to set their own car insurance rates.  As a state, Indiana does not limit factors which may be used to evaluate risk when determining your auto insurance premiums.  Auto insurance companies determine rates based on a combination of many items, including:
  • Age – Drivers under 25 pay higher rates than older, more experienced drivers.
  • Sex – Men statistically are in more accidents than women
  • Marital status – Married drivers tend to have fewer accidents than unmarried adults
  • Vehicle type – Is your vehicle expensive to fix?  Then it will be more expensive to insure.
  • Vehicle usage – The more you drive on an annual basis, the greater the chance of an accident
  • Driver history – Having tickets and accidents on your driving record will raise your insurance rates
  • Additional training – Discounts are available for older drivers who take driving refresher courses.

Compare and Save

The best way to save money on auto insurance is to compare rates from several companies.  Make sure that all car insurance quotes are “apples to apples” including the same types and amounts of coverage.  There are many ways to save on auto insurance – make sure to take advantage of every discount available to lower your rates.

More Information on Indiana Car Insurance

Additional information on Indiana auto insurance is available through the Indiana Department of Insurance, Consumer Service, 311 West Washington Street, Indianapolis, IN 46204.  Their phone number is 317-232-2395, or visit the Indiana Department of Insurance website.

Free Quotes on Indiana Auto Insurance

Now that you know what can affect your policy rates, the first step to find low cost auto insurance is by shopping around.  Simply by entering your zip code in the box below, you’ll be matched up with leading auto insurance companies offering coverage to Indiana residents.  Choose the three or four insurance providers that sound the best to you, and request quotes.  Before you know it, you’ll have a great policy at a price you can afford.

What are you waiting for – enter your zip code and find the best Indiana auto insurance policy now!

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