Auto Insurance in Indiana (IN)

With its miles of farmland, Indiana is part of the heartland of the country. If you live in the state, you might be interested to know that some experts suggest that up to 12 percent of drivers in Indiana are uninsured. The costs resulting from accidents involving uninsured drivers are estimated at around $200 million dollars a year. These facts—as well as other factors like your driving record and your age--will affect your car insurance rates in the state.

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How much auto insurance do I need in Indiana?

Like most states, Indiana law requires drivers to carry liability insurance. The minimum level of bodily injury liability required is as follows:

$25,000 minimum for bodily injury liability per person and a minimum of $50,000 per accident
$10,000 minimum for property damage liability coverage

If you are caught without car insurance, the penalties can be severe. You should also keep in mind that these limits are state-mandated minimums. If you own a house or other financial assets, most insurance professionals will recommend buying insurance coverage at significantly higher limits to protect your and your family in the event of a serious accident or a lawsuit.

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What auto insurance discounts can I get in Indiana?

Indiana drivers who own a hybrid car may be able to receive a discount on their car insurance from certain companies. You may also be eligible for discounts if you have a clean driving record. High school and college students with good grades may qualify for a reduction on their premiums as well.

Companies that offer auto insurance in Indiana include: AAA, AIG, AIS, Allstate, Amica, Chubb, Comparison Market, Eastwood Insurance, Electric Insurance, Farmers, GMAC Insurance Online, Horace Mann, Insurance.com, Mercury, MetLife Auto, Nationwide, Permanent General, Prudential, State Farm, Safeco, The General, Travelers Insurance, and Unitrin.

More Information on Auto Insurance in Indiana

For more information on insurance requirements and other auto insurance-related questions, contact the Indiana Bureau of Motor Vehicles at:

100 N. Senate Ave.,
Indianapolis, IN 46204.
www.state.in.us/bmv

*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.