Indiana Car Insurance
Compared to Other U.S. States

Search by Keyword


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.

Average Annual Auto Insurance Rates 

The Average Annual Auto Insurance Premium for drivers in the state of Indiana was $1,113 last year. This was far lower than the national average at the time, which was about $1,347.

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.

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.

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 added together will save the Indiana driver a lot of money in car insurance.

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.

Useful Links

Go here for Low-Cost Car Insurance in All 50 States and Washington DC.

See this page to learn how to Work From Home in All 50 States and Washington DC. 

Visit this page for colorful Fact and Photo Galleries from All 50 States.

Go to this page for Affordable Travel in all 50 States.

See this page for Wholesale Factory Outlet Malls Listed by State.

Hit this link to earn a College Degree Online and see PhD Programs in All 50 States. 

Recommended e-Books From Amazon