Cheap Indiana car insurance
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.
What’s required of all drivers in Indiana?
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:
Seat belts: All drivers and passengers are required to wear seat belts when the vehicle is in motion. A seat belt violation is considered a primary offense, meaning law enforcement can pull you over solely to enforce this law.
Mobile devices: As of 2020, anyone driving a motor vehicle is prohibited from using a handheld device—such as a smartphone or tablet—while driving. You can learn more by reviewing the Hands-Free Indiana initiative.
What are the car insurance requirements in Indiana?
As an Indiana resident, you’re required to carry at least the minimum auto insurance coverage limits mandated by law:
$25,000 in bodily injury liability or death of one person
$50,000 in bodily injury liability or death of two or more people
$25,000 in property damage liability per accident
Do you have your required car insurance?
You need to carry bodily injury liability coverage in Indiana.
Does Indiana have any optional car insurance coverages?
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
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:
$25,000 in UM bodily injury or death per person
$50,000 in UM bodily injury or death of two or more people
$25,000 in UM property damage per accident
Underinsured motorist (UIM) coverage
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 coverage
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.
Comprehensive coverage
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.
Rental reimbursement coverage
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
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.
Roadside assistance
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.
Indiana car insurance discounts
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.
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Need more than Indiana car insurance?
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:
Indiana Bureau of Motor Vehicles
The Indiana Bureau of Motor Vehicles (BMV) can help you get a driver’s license or learner’s permit, register your vehicle, and more.
Indiana Department of Transportation
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.
Indiana Family and Social Services Administration
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.