Indiana Car Insurance

The state of Indiana is renowned for the Indy 500, cool isn’t it? Even though you aren’t one of those pro drivers on the road you would still need car insurance to drive on the road. With almost 200,000 miles to drive who wouldn’t want to go out behind the wheel and enjoy? So to get you started we’re going to help you understand the ins-and-outs of what you need for insurance in the state of Indiana and how you can get cheaper insurance rates as well.

Required Coverage

 I want driving in the state of Indiana must have car insurance. There’s a zero-tolerance rule for anyone who doesn’t have car insurance. Usually, most agents or insurance companies would refer to the minimum requirements of car insurance as 25 – 50 – 10. So here’s a breakdown of the minimum insurance required for the state of Indiana.

  •  $25,000 in bodily injury coverage per person
  •  $50,000 bodily injury coverage car accident
  •  $10,000 in property damage liability

All insurance policies include both uninsured and underinsured motorist coverage. These are usually reflected by your current limits on bodily injury coverage. These coverages are there to make sure that in the instance where the opposing party has sufficient insurance coverage you won’t be paying the difference out of pocket. 

Optional Coverages

It’s almost always recommended that you don’t choose the minimum coverage required by the state. Simply because the coverage is not adequate enough to save you from any monetary strain in the case of an accident. Do two things being quite expensive for repairs, or even having medical bills being paid off it can be a happy some out-of-pocket if you’re not prepared. Which is why we recommend checking out optional coverages available to you speaking to an insurance agent to find out the right information and the right coverages that are most suitable for you. Here’s a list of the optional insurance coverages that are available in the state of Indiana.

  • Comprehensive car insurance
  • Collision car insurance
  • Rental reimbursement
  • Towing and roadside assistance
  • Gap insurance
  • Medical payment insurance

Factors Affecting Your Rate

When you’re quoted your car insurance premium there are many factors that go into it. What’s the slowest can vary between a company which is why there’s a discrepancy amongst rates but you should definitely use this to leverage how much more affordable rate for yourself. So here is the list of things you should be mindful of that go into your insurance premium to make it what it is.

  • Driving record
  • Age
  • Are you married or not?
  • Type of vehicle
  • Where you’re located
  • A type of insurance policy you’re looking for

 These are just a few of many these are the easiest variables you can control when looking for your insurance rate. For example, if you take insurance coverages and Max them out for an older vehicle you might be paying more than needed. So why not customize your insurance policy that suits your driving habits, it doesn’t necessarily mean you won’t have any covered but it means you’ll have more than enough courage to keep you safe.

Average Cost of Insurance in Indiana

Living in Indiana you know that an average household can have inexpensive car insurance. Of course we know that there are many factors that go into your premium it turns out to be $1,100 a year. That’s significantly cheaper than the national average by about 20%.

Is Indiana a No-fault State?

Indiana is considered to be an at-fault state. This means that the driver who’s at fault in the accident we’ll have to use your insurance policy to pay out any compensation to the opposing party of the accident. Alternatively, the person who is not at fault can see more composition the person who is at fault in the accident.


Now that you know the factors that go behind your insurance premium and things you should look for I want to start shopping around? Get me the best rate of insurance is actually far easier than you think it is. What actually makes it easier for you is that you have the ability to call your local insurance agent to get connected and have an insurance policy set up within minutes. And we’re here to help so if you’re looking for cheap car insurance premiums in the state of Indiana definitely check out what we have to offer.