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Understanding Indiana Car Insurance

Indiana happens to be the fifth-cheapest state in America when it comes to car insurance. If you live here or have recently moved, you will be happy to know that there are tons of ways to save money on insurance. Apart from compiling a list of the minimum requirements for coverage, we have also put together tips on how to find an insurance policy that works for you. Our guide makes a comparison of insurance super easy for you and allows you to find one that has the best possible rates.

At the moment, the average insurance premium on car coverage stands at $89.17 per month for the US. Indiana, on the other hand, has an average premium of $58.50 per month. Despite the coverage limit set by the state, you can increase the limit if you want something with higher coverage.

Uninsured motorist coverage is usually part of car insurance policies and can pay medical expenses and car damages if a driver who has been hit doesn’t have insurance. A number of companies combine both underinsured and uninsured motorist coverage and give you protection in one package. Be mindful that the definition of underinsured varies from state to state. It is mandatory for you to have bodily injury liability and property damage liability as part of your insurance. To rest of the rest of the requirements are set by the lender from whom you get the car.

Finding cheap liability options in Indiana is a simple process. Start with checking quotes for state minimum insurance. A good way to go about it is to look at insurance quotes side by side and see what deal you can get within a certain budget. Before purchasing the minimum coverages, however, be sure you are properly insuring yourself. The minimum coverages are rarely enough. If you need help understanding how to properly insure yourself our team is here to answer your questions.

You should consider the laws of Indiana and physical damages that are likely to incur while choosing an insurance policy. Liability protection has to be purchased, but physical damage coverage is not mandatory. If your car has no cash value, then get a policy that has both collision and comprehensive coverage excluded. Liability is the protection of other people’s vehicles, whereas collision protection is meant to save you from losses. If your car is damaged and needs car repair, the replacement should be taken care of. Comprehensive coverage is a little different from collision protection and covers damage that has been caused by factors such as the weather (hurricane, torrential rains, etc.), vandalism, and riots. Also, check if the policy pays for funerals in case of casualties due to the accident or other necessary medical expenses regardless of who is at fault.

Your Indiana car insurance rates can be lowered through discounts. If your driving record is clean, you can get up to a 30% discount on your insurance policy. Money can also be saved if you bundle and combine different offers (like auto + home). It should also be noted that discounts don’t apply to all types of coverage, so you will have to check with the insurance provider and make an informed decision.

Cheapest Car Insurance in the State of Indiana

If you’re wondering which company in the state provides cheap car insurance in Indiana, the truth is that there are no simple answers. Companies offer a bunch of different packages, each tailored to a certain set of requirements. Also, insurance premiums are dependent on a number of factors such as your age, how clean your driving history is, and where you are located. 

In order to find the cheapest Indiana car insurance companies, you will have to get in touch with the providers personally and get quotes from them. There are a number of websites that provide you with comparisons so you don’t have to go through the hassle of personally getting in touch with them. All you need to do is provide basic information about yourself and the automobile in question. 

Coverage is categorized into four levels. These are state minimum, basic, plus, and premium. Of course, the insurance that covers only the minimum requirement will be extremely cheap. The rest will depend on what is part of the package. The best car insurance in Indiana is one that addresses a host of different scenarios and doesn’t break the bank.

Indiana’s Car Insurance Requirements

In Indiana, it is necessary to have car insurance if you drive. Here are the basic requirements you need to comply with:

  • An amount of $25,000 for the injured individual and $50,000 for an accident. This falls under Bodily injury liability
  • In case the property is damaged, the property damage liability is $25,000

As for additional requirements that may be mandated from your bank or lending party, here’s what should also be covered in your insurance policy

  • Uninsured motorist bodily injury of $25,000 per individual and $50,000 per accident
  • A minimum of $25,000 for property damage of an uninsured motorist
  • A minimum of $50,000 per individual and $50,000 for underinsured motorist’s bodily injury
Coverage Requirements
Bodily Injury Liability 25,000 / 50,000
Property Damage Liability 25,000


Factors that Affect Car Insurance Rates

A number of factors determine car insurance rates and can increase them exponentially.

They are as follows:

  • If you’ve been caught driving carelessly, have speeding tickets issued to you, and violated rules such as driving under the influence, your car insurance rates can go up.
  • Indiana follows the ‘at fault’ policy. If you’ve been involved with an accident where you are at fault, it will affect your insurance premium
  • If you don’t drive yourself and have another driver, they should ideally be covered under your insurance. Also, their driving history and records of the driver will also be taken into account
  • If you’ve purchased a car without insurance, you can be categorized as a high-risk driver. This again, is one factor that will increase your premium costs.

Penalties for Driving without a Car Insurance

Driving without car insurance is punishable in the state of Indiana. The penalty includes a 90-day suspension from driving. If the violations happen repeatedly within a period of three years, the suspension can be increased to one year.

Even though Indiana has its own rules and regulations, fines can vary as per the accident you’re involved in. Some violations have small penalties, while others can add thousands of dollars to your bill. If your vehicle has been towed after the accident, you will not be able to claim it without proof of insurance.

In order to apply for reinstatement of your driving privileges, you will have to prove your financial responsibility and pay a fine in order to drive again. The fee can be anywhere from $150 to $300, depending on how severe the suspension is. If you are an uninsured driver, you will also have to file an SR-22 known as a Certificate of Compliance.

If you have been caught driving without car insurance, the SR-22 documents will have to be submitted and filed for a period of five years along with financial responsibility proof.
It is a good idea to be in touch with an attorney regarding insurance in your state. Prices also depend on your location within the state, coverage limit you’ve bought, and underwriting aspects of the insurance.

Save yourself the time and hassle of becoming an insurance expert and let our team at SWITCH Insurance go to work for you. Our independent insurance agency represents multiple top-rated Indiana insurance companies and we’ll go to work to find a plan that meets your needs and budget. 

Click below to get started or give us a call at (800) 760-4989.

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