If you live in Indiana, you must have auto insurance on any vehicle you drive. How much you pay depends on many things, including who you are, where you live, your driving record and your vehicle.
You can reduce your rates by driving a safer car, or buying a policy with a higher deductible. Your deductible is how much you pay when you have an accident, before the insurance company steps in. Also, the better your driving record, typically the lower your rate.
Your rate is based on your chances of an accident. Your chances go up the more you drive, and the more cars there are on the road where you drive. Age and gender also play a role. Young men have more accidents than any other group of drivers.
Things to Know about Indiana Auto Insurance
Your policy must have uninsured and underinsured motorist protection unless you reject it in writing. You must have liability insurance, but the state also wants you to have protection in case the other driver doesn't have enough insurance.
You have to carry at least this much insurance:
- $25,000 per person in bodily injury coverage.
- $50,000 total in bodily injury coverage.
- $10,000 in property damage insurance.
Your insurance company must offer this much underinsured protection with every policy:
- $50,000 underinsured motorist bodily injury coverage
Your insurance agent must send a Certificate of Compliance to the BMV after every accident or violation.
You can go without insurance if you can prove your financial responsibility according to IC 9-25-4-7. This is much more expensive than insurance. You have to either post a bond or make a very large deposit.
Sample of Annual Indiana Auto Insurance Rates
Indianapolis Auto Insurance
Indianapolis is the Hoosier state capital. It is the largest city in Indiana, and the second-largest in the Midwest, with a population of more than 850,000 people. Indianapolis is known as the "Crossroads of America," because of its location in the middle of the country. The city hosts NASCAR's Indianapolis 500.
From Indianapolis, Interstate 70 runs southwest into St. Louis, and east into Columbus. Interstate 74 connects Indianapolis with Cincinnati to the southeast. Interstate 65 runs north toward Gary, Ind., and south into Louisville. Interstate 69 runs south toward Memphis, and north through Fort Wayne.
Fort Wayne Auto Insurance
Fort Wayne is the second-largest city in Indiana with a population of more than 260,000 people. Fort Wayne is known as the "City of Churches." It is also referred to as the "Magnet Wire Capital of the World," because of its historical role in the industry.
From Fort Wayne, Interstate 69 runs north toward Lansing, Michigan, and south into Indianapolis. U.S. Route 24 connects Fort Wayne with Toledo to the northeast. Interstate 469 forms a loop around the city.
Gary Auto Insurance
Gary is the hometown of Michael Jackson. Situated along Lake Michigan, Gary is the ninth-largest city in Indiana with a population of more than 80,000 people.
From Gary, Interstate 90 runs northwest toward Chicago, and east toward Cleveland. Interstate 94 also runs into Chicago, as well as Ann Arbor to the northeast. Interstate 65 connects Gary with Indianapolis to the south.
Wayne Township Auto Insurance
Wayne Township is the third-largest municipality in Indiana with a population of more than 136,000 people. The town is halfway between Fort Wayne and South Bend.
From Wayne Township, U.S. Route 30 runs southeast into Fort Wayne. Outside of town, U.S. Route 31 runs south into Indianapolis, and north toward South Bend.
Warren Township Auto Insurance
Warren Township is an eastern suburb of Indianapolis. The town was named after Joseph Warren, who was a doctor during the American Revolutionary War. Warren Township has a population of just under 100,000 residents.
Interstate 70 connects Warren Township with Indianapolis to the west and Columbus, Ohio to the east. Interstate 74 runs southeast from Warren Township toward Cincinnati, and northwest toward Champaign, Ill. Interstate 465 crosses through Warren Township as it forms a loop around Indianapolis.
Evansville Auto Insurance
Evansville is a major city in southern Indiana, about halfway between Indianapolis and Memphis. It is known as "Pocket City" and "Stoplight City." Evansville is the fourth-largest municipality in the state with a population of more than 117,000 people.
Interstate 69 connects Evansville with Indianapolis to the north and Memphis, Tenn., in the south. North of town, Interstate 64 runs east toward Louisville, and west into St. Louis. U.S. Route 41 runs north toward Gary and south into Nashville.
South Bend Auto Insurance
South Bend lies at the Indiana-Michigan border. It is the home of the Fighting Irish: The University of Notre Dame. It is the seventh-largest municipality in Indiana with a population of more than 101,000 people.
From South Bend, Interstate 90 runs west toward Chicago and east into Cleveland. U.S. Route 31 runs south toward Indianapolis.
Fishers Auto Insurance
Fishers is a northeastern suburb of Indianapolis. The city has a population of more than 76,000 people. Former Indiana Pacers star Reggie Miller owns a mansion in Fishers. Baseball star Tony Gwynn also owned a home in Fishers before his death.
From Fishers, Interstate 69 runs southwest toward Indianapolis, and northeast into Fort Wayne. Just outside of Fishers, Interstate 465 loops around Indianapolis.
Moving to Indiana: Important Information
After you move to Indiana, you have 60 days to get an Indiana driver's license. If you have a valid driver's license from another state, you can exchange it for an Indiana license. You will need to bring a copy of your driving record and pass a knowledge and vision test. You must also bring ID to get your driver's license. You need to prove who you are and that you are in the U.S. legally.
If you do not have a valid license from another state, you must first get a learner's permit. You must have the learner's permit for 180 days before you can apply for an Indiana driver's license.
When you bring a car from another state, you have 60 days to title and register it in Indiana.
Understanding Driving Laws in Indiana
Every driver in Indiana must follow its driving laws. Indiana has laws for seat belt use, cellphone use, and headlight use. You must turn your headlights on at any time between dusk and dawn and use them whenever visibility drops below 500 feet.
Everyone in a car must wear a seatbelt whenever it's moving. Children between 8 and 15 must wear seat belts at all times. Children under 8 need either a child safety seat or a booster depending on how big they are.
No one is allowed to text while driving in Indiana. Teen drivers cannot use phones at all, but adults can make calls.
Frequently Asked Questions About Indiana Auto Insurance
1. Can every driver in Indiana get insurance?
Indiana has a program to make sure every driver has insurance. Every insurance company must take part in it, and cover their share of difficult cases.
2. How easily can companies cancel policies?
After 60 days, the insurance company cannot cancel your policy without a reason. Your policy can be cancelled if you do not pay, or if you lose your license.
3. How hard is it to reinstate lapsed insurance in Indiana?
You will pay more for insurance if you let it lapse. You have to pay a reinstatement fee and many insurance companies also impose a surcharge for a new policy.
How to Get Great Rates on Indiana Auto Insurance
Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.
insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.
Indiana Auto Insurance Resources
If you want to know about more than just Indiana auto insurance quotes, we’ve provided you with some informative websites:
Indiana Department of Insurance
Information and resources on the laws governing insurance in Illinois
Indiana Bureau of Motor Vehicles
General information and services for Indiana drivers
Indiana Cell Phone Driving Laws
Can you talk and drive in Indiana?
insuranceQuotes.com Auto Rate Methodology
Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.