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Indiana Car Insurance & Minimum Coverages

Are you thinking of moving to Indiana? There’s more in the Hoosier State than just basketball and the Indy 500. But before you explore the state of Indiana, you’ll need to make sure your car insurance and registration are up to date.

In this guide, we’ll take a look at everything you need to know about keeping your car or truck protected in Indiana.

Indiana Car Insurance Minimum Requirements

As with most states in the country, Indiana requires that registered vehicles are insured for specific coverages. You will need the following protections on your insurance policy in order to drive legally in the state:

  • Bodily injury liability protection: $25,000 per person and $50,000 per accident.
  • Property damage protection: $25,000 per accident.
  • Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident.
  • Uninsured motorist property damage coverage: $25,000 per accident.
  • Underinsured motorist bodily injury: $50,000 per person and $50,000 per accident.

If you choose, you can reject uninsured and underinsured coverages, but this must be done in writing. Talk to your agent about waiving these protections if you see fit.

What is the Average Cost of Car Insurance in Indiana?

The price you pay for Indiana car insurance will depend on a few factors, including your credit history, driving history, and more. However, on average, an Indiana driver will pay $1,254 per year for full coverage and $367 per year for just the minimum.

Talk to your insurance agent about how you may qualify for lower rates and discounts. Your employer and the associations you affiliate with are two examples of potential qualifiers for discounts.

Why is Car Insurance So Cheap in Indiana?

Indiana car insurance is cheaper than many other states in America. That’s because much of the state is rural. There are fewer drivers on the roads, which means you’re less likely to be involved in an accident.

The state is also an “at-fault” state. In the event of an accident, only one insurance company will pay out. That means your insurance rate may be a little lower than in other states that are “no-fault” states.

Finally, auto repair costs in Indiana remain relatively stable. Should you be involved in an accident, your auto repairs won’t cost as much as in some other states. That, too, keeps your Indiana car insurance premiums low.

Lapses in Indiana Car Insurance

If you’re caught driving in Indiana with no car insurance, you risk varying penalties and fines. Your car may be impounded and you can potentially lose your driving privileges, at least temporarily.

Indiana is one of the few states that does not impose jail time as a result of lapsed insurance. However, your license will be suspended until you can resolve your insurance issue, and fines of up to $1,000 can be charged.

Keep things simple; make sure you always have current and adequate Indiana car insurance. And be sure to keep your proof of insurance with you every time you drive.

Best Auto Insurance in Indiana

Indiana drivers were asked which companies they trusted to provide quality auto insurance. The following five agencies ranked highest in terms of service, cost, and coverage:

  • Auto-Owners
  • Erie
  • GEICO
  • State Farm
  • USAA

Keep in mind that no two drivers have needs that are exactly the same. Talk to your insurance agent about which policies and coverages meet your driving needs best. For instance, one driver may be just fine with the minimum coverage while another may be more comfortable with full insurance coverage.

Again, make sure you ask your agent about discounts you may qualify for. Just working for a particular company can bring your premium rates down significantly.

Driving in Indiana

Ready to register your car in-or just drive through-Indiana? Here are some fun facts you may like to know about the Hoosier State.

  • Residents of Indianapolis are breaking the law if they ride their horses over 10 miles per hour on public roads.
  • If you’re walking across the street at night, it’s against the law to wear tail lights.
  • It’s against the law to pass a horse on a public street.
  • Backing into a parking space is illegal, as the police won’t be able to read your license plate information.

Conclusion: Indiana Car Insurance

Whether you’re moving to Indiana or just shopping around for the best car insurance, it’s important that you keep your vehicle’s insurance up to date and paid up. Lapses in insurance can lead to costly fines, and you may be temporarily suspended from exploring the Hoosier State legally.