To drive legally and safely in Indiana, make sure you’ve got a car insurance policy and understand the rules of the road. Here’s what you need to know to get started.
First things first: you need to have a valid Indiana driver’s license. The minimum age for obtaining a driver’s license in Indiana is 16 years and 90 days. Licenses held by drivers under 21 years of age are considered probationary. Here are a couple other important laws to know:
As an Indiana resident, you’re required to carry at least the minimum auto insurance coverage limits mandated by law:
Yes—several, in fact. We offer a range of additional coverage options to help you build a car insurance policy that makes sense for your vehicle and your financial situation. Here are some coverages to consider:
Uninsured motorist (UM) coverage can help pay for your expenses if you’re injured or your vehicle is damaged in a collision with an at-fault driver who’s uninsured. In Indiana, insurance providers are required to include this coverage on your policy, but you can reject it in writing. Here are the minimum required limits:
Underinsured motorist protection helps cover your accident costs when the at-fault driver has liability insurance, but not enough to fully cover the damages caused by the accident.
Collision insurance can help cover damages if your vehicle is damaged in a collision with another motorist or a stationary object like a tree, road sign, or fencepost.
Collisions aren’t the only incidents that can leave your car in rough shape. That’s why adding comprehensive coverage to your policy can be so valuable. It helps cover damage to your vehicle from non-collision incidents, such as vandalism, theft, hailstorms and other natural disasters, and even hitting an animal.
If you need a temporary rental vehicle while your damaged car is in the shop for repairs due to a covered loss, rental reimbursement coverage can help pay for your rental.
Medical payments coverage can help pay medical bills if you and/or your passengers are injured in an accident—regardless of who was at fault. In a worst-case scenario, it can also help cover funeral expenses.
With roadside assistance, you have 24/7 access to emergency towing and roadside service if your car is disabled due to mechanical or electrical breakdowns or lockouts.
To help you get the most bang for your buck when it comes to car insurance, we offer a range of car insurance discounts you can apply to your policy. Talk to your agent to see how many you could qualify for.
Before you hit the road, make sure you’ve got an auto insurance policy that makes sense for you. Get a free quote by entering your ZIP code and clicking Get my quote below, or give us a call at 888-344-4357.
Carrying auto insurance is important, but we know there’s more to living and driving in Indiana. For additional resources, check out these state agencies:
The Indiana Bureau of Motor Vehicles (BMV) can help you get a driver’s license or learner’s permit, register your vehicle, and more.
The Indiana Department of Transportation (DOT) can help you stay safe and informed behind the wheel with construction maps, traffic cameras, and other valuable tools.
With the Indiana Family and Social Services Administration (FSSA), you can gather important information on health insurance options, food and cash assistance, child care and employment help, and more.