The Hoosier State

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Indiana Auto Insurance

It's hard to put your finger on why people love to live in the state of Indiana. Perhaps it's because of the friendly, down-to-earth people who are always welcoming and helpful. Or maybe it's the wide variety of lifestyles, from cities of all sizes to rural communities and everything in between. If a resident of Indiana and you drive a car to get from place to place, it's important that you're protected from the expenses you may incur as the result of an auto accident.

Auto Insurance rates in Indiana can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!

Try our simple form for an AIS Instant Quote®. This quote will be a range of our Auto Insurance partners' rates for the coverage you select. You get to pick the price you like, too.

Required Auto Insurance in Indiana

Unlike many states, Indiana drivers are required by law to carry multiple types of Auto Insurance policies, as opposed to just one. First and foremost, all Indianans must purchase Liability Insurance, which is designed to protect fellow drivers from owing significant costs in the event that they are victimized in an auto accident. Liability policies carry mandatory minimum amounts for which each driver must be insured. In addition, the state is proactively addressing the issue of uninsured drivers by mandating the purchase of Uninsured and Underinsured Motorist Coverage (which is usually written as a single policy). That way, drivers who are hurt in an accident caused by a driver who doesn't have adequate (or any) insurance will be covered by their own policies. 

State Minimum Liability Coverage in Indiana

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident
  • PD or Property Damage: $25,000 per accident

State Minimum Uninsured/Underinsured Motorist Coverage in Indiana*

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident
  • PD or Property Damage: $25,000 per accident

*New Indiana Auto Insurance policies must include Uninsured/Underinsured Motorist Coverage unless rejected in writing.

To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.

Optional Coverage in Indiana

Despite the extensive insurance obligations written into Indiana law, it's not uncommon for drivers to feel like they need more coverage to feel sufficiently protected from anything that may befall them while on the roads. For drivers, there are several types of optional policies that they can choose to add to their Auto Insurance policy for better peace of mind and the assurance that they will not be burdened by unexpected financial burdens stemming from auto-related mishaps.

Below are some examples you may want to consider:

  • Collision Coverage*: If you are driving along and strike a wall, tree or other obstacle, you'll have to fix your vehicle using money from your own pocket. But if you have Collision coverage, your policy will pay for the repairs to your car, up to your policy limits. This will help ensure that you aren't stuck without a working vehicle for long periods of time.
  • Comprehensive Coverage*: Your car doesn't have to be in a collision in order to suffer damage. Vandalism, fire and Indiana weather events can often render a vehicle unusable. Comprehensive Auto Insurance coverage protects you from the consequences of any non-collision incident, including auto theft.
  • Higher Bodily Injury Limits: If you cause injury in a collision involving more than one vehicle or passenger, medical bills for the victims can exceed $50,000 fairly easily. For that reason, you should consider raising the limits for bodily injury payments on your Liability coverage. Otherwise, the victims can come after your personal assets for anything that your insurance doesn't cover.
  • Higher Property Damage Limits: If another vehicle is totaled because of an accident that you caused, then the state-mandated minimum of $10,000 probably won’t cover the replacement value of the totaled vehicle. Buying a policy with higher limits for Property Damage can protect you from financial hardships caused by this type of scenario.

*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.

There's no obligation to purchase any of these optional coverages before taking to the roadways of Indiana. But they may not be as costly to add to your policy as you think! If you believe that having one or more of these optional policies is in your best interest, contact an AIS agent for more information.

Most Stolen Car Models in Indiana

If you drive a car that tends to be targeted for theft, you could see higher Auto Insurance rates for your vehicle. In 2017, these were the top 10 cars that were stolen in Indiana according to

  1. Ford Pickup (Full Size)
  2. Chevrolet Pickup (Full Size)
  3. Chevrolet Impala
  4. Chevrolet Malibu
  5. Dodge Pickup (Full Size)
  6. Toyota Camry
  7. GMC Pickup (Full Size)
  8. Honda Accord
  9. Pontiac Grand Prix
  10. Jeep Cherokee/Grand Cherokee

Indiana Auto Insurance Discounts

Cost-conscious Indiana drivers might want to decrease the amount of money they pay on their Auto Insurance premium. The good news is that there are several types of Car Insurance discounts available to various types of drivers.

Here are some examples of Auto Insurance discounts available in Indiana:

  • Safe Driver
  • Multi-Vehicle
  • Good Student
  • Accident Free
  • Anti-Theft
  • Multi-Policy

To learn more about specific discounts, visit our Discounts page.

As wonderful as life can be in Indiana, it can be challenging to live without adequate transportation or with any other financial problems caused by an auto accident. This is why maintaining proper Auto Insurance coverage is so important. The people at AIS have been helping motorists with this issue for decades, and they can do the same for you while saving you money in the process! Why not contact AIS to see about finding an Indiana Auto Insurance policy that’s right for you and your pocketbook?

Start an Indiana Auto Insurance Quote Today: (888) 772-4247 Get Online Quote

About Indiana

In Fort Wayne, Indiana, the first professional baseball game was played on May 4, 1871.

Elvis Presley performed at his last concert in Market Square Arena, Indianapolis in 1977. 

Notable Indiana Attractions

White River State Park

Indianapolis Motor Speedway

RV Hall of Fame