Auto Insurance in Indiana

Strategies to help you cut costs on car insurance in Indiana

By Matt Alderton, Writer, Editor and Media Consultant Logolepsy Custom Content and Communications

Car insurance in Indiana, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Indiana car insurance coverage isn't just something that drivers in the "Hoosier State" should have; it's something they must have.

Indiana auto insurance coverage doesn’t have to break the bank. You may be able to save by shopping around, declining unnecessary coverage and trading high deductibles for lower premiums. Indeed, you can cut costs, but you can't cut corners. If you drive in Indiana, you need auto insurance in Indiana. Here's what kind and how much, according to Indiana state law:

When buying auto insurance in Indiana, drivers must purchase bodily injury liability (BIL), property damage liability (PDL) and uninsured motorist bodily injury (UM) coverage; collision, comprehensive and personal injury protection (PIP) coverage are recommended, but not required.
Auto insurance in Indiana must include BIL coverage of at least $25,000 per person and $50,000 per accident for costs associated with the injury or death of others in a wreck.
Auto insurance in Indiana must include PDL coverage of at least $10,000 for damage to another person's property in an accident.
In Indiana, car insurance must include at least $25,000 per person and $50,000 per accident in uninsured motorist bodily injury (UM) coverage, in the event that you’re in an accident with an uninsured or hit-and-run driver, not to mention at least $10,000 in uninsured property coverage and at least $50,000 in underinsured motorist bodily injury coverage.

Browse Indiana auto insurance rates online

If you need Indiana auto insurance, online quotes are a good starting point. Available from all major auto insurance companies in Indiana, they offer a fast and convenient way to research and compare premiums.
Try: Get comprehensive online quotes from Indiana car insurance providers at websites like InsWeb, Insurance.com, InsuranceUSA and InsuranceFinder, or from companies like Progressive and Esurance, which quote both their own and competitors' rates.

Solicit Indiana car insurance quotes from national providers

Most major car insurance carriers offer auto insurance in Indiana and all provide competitive Indiana auto insurance rates.
Try: Among the largest and most popular car insurance companies in Indiana are AIG, Allstate, Chubb, Farmers, GEICO, The Hartford, Liberty Mutual and State Farm. National associations like AAA and AARP are also good sources for affordable auto insurance in Indiana.

Get car insurance in Indiana from local and regional companies

In Indiana, auto insurance rates can vary dramatically; for some of the most affordable, consider locally based providers.
Try: For automotive insurance in Indiana, try Indiana-based companies like Indiana Farm Bureau Insurance, Indiana Insurance and Indiana Farmers Mutual Insurance Company. Also consider local programs, like the Indiana Automobile Insurance Plan, which is designed for drivers who can't easily find auto insurance in Indiana.

Use an independent agent to find Indiana car insurance bargains

Buying car insurance in Indiana via an independent insurance agent can expose you to new resources, practical advice and special rates.
Try: To find an independent agent who can sell you car insurance in Indiana, use the “find an independent agent” feature at the Independent Insurance Agents of Indiana website.

Choose Indiana auto insurance companies that you can trust

Before doing business with Indiana car insurance providers, review their records with consumers to make sure they are reliable, reputable and responsible.
Try: If you subscribe to Consumer Reports, you can check up on car insurance companies in Indiana. Another good resource is the Indiana Department of Insurance, which compiles statistics on complaints against auto insurance companies in Indiana.

Consider buying more coverage than is required by state law; minimum Indiana car insurance might not be enough to cover car repairs or medical bills after an accident.
Penalties for drivers who don't have Indiana car insurance include driver's license suspension and cash fines.
If you're leasing or financing your car, dealerships might require you to have more and better Indiana auto insurance than is required by state law.
Higher deductibles typically mean lower premiums and more monthly savings on auto insurance in Indiana.
In lieu of Indiana auto insurance, drivers there can opt to cover themselves with a bond, a certificate of self-insurance or by depositing $40,000 in cash or securities with the state.