Indiana Car Insurance Cost Comparisons for All U.S. States


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This page provides Indiana Car Insurance rates, quotes, statistics, local carriers, and numerous ways to lower annual premiums.


To compare auto insurance in every state, visit the link shown below.


Minimum Liability Coverage


The minimum auto insurance coverage required by law for each vehicle owned in the state of Indiana is 25/50/10.


In other words, car owners in Indiana must have at least $25,000 in coverage for personal (bodily) injury, $50,000 in coverage for injuries to others, and $10,000 to cover property damage.


Analysts at the Insurance Information Institute claim that 100/300 coverage is the minimum needed for drivers anywhere in America to cover the actual cost of real auto accidents.



Also recommended for Indiana drivers is UMI (Uninsured Motorist Insurance) coverage, because roughly one in six vehicles on Indiana roads are uninsured.



Penalties for Driving Without Insurance


Indiana drivers who are ticketed for operating uninsured motor vehicles get away with a ninety-day license suspension, a mere slap on the wrist for first offenders.


Repeat violations within a three-year time span result in license suspension of a year or more, with fines of up to $10,000. Reinstatement fees run as high as $300.


Average Annual Auto Insurance Rates

The Average Annual Auto Insurance Premium for drivers in the state of Indiana was $1,183 last year. This was far lower than the national average at the time, which was about $1,510.



Discounts in Indiana Auto Insurance 


Auto owners in the state of Indiana can save a lot on car insurance in a number of ways:


1. Google “Indiana home auto discount” for details.


2. Most carriers offer discounts to encourage safe behavior. These may include good driver discounts, accident-free discounts, good student discounts, multiple auto discounts, and price reductions for using anti theft devices, to name just a few





Ask every auto insurance agent you speak with about all available discounts on Indiana car insurance. Those discounts really do add up.


Obtaining Indiana Car Insurance Quotes

According to recent customer satisfaction ratings, Indiana's favorite auto insurance providers are Geico, Allstate, Auto Owners Insurance, The Hartford, Encompass, State Farm and 21st Century.

At the same time, many Indiana drivers prefer local companies like Erie or Farm Bureau.

They're all about the same, all of them offering a full range of services and discounts at competitive rates.

Simply call some local agents and get five free quotes. Then add up all your discounts, compare costs and choose the least expensive plan.



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