Indiana Auto Insurance

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 it's the wide variety of lifestyles from large cities to small, rural communities and everything in between. If you're one of these Indiana residents and you need a car to get from place to place, it's important that you're protected from the expenses which 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 and you can 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. First and foremost, all Indianans have to buy liability insurance, which is designed to protect fellow drivers from exorbitant costs in the event that they are victimized in an auto accident. These 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: $10,000 per accident

State Minimum Uninsured Motorist Coverage in Indiana:

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident
  • PD or Property Damage: $10,000 per accident

State Minimum Underinsured Motorist Coverage in Indiana:

  • BI or Bodily Injury: $50,000 per accident

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

Optional Coverage in Indiana to Consider

Despite the extensive insurance obligations written into Indiana law, it's not uncommon for drivers to feel like they need more coverage in order to feel sufficiently protected from whatever may befall them while on the roads. For these people, there are several types of optional policies which may be obtained so that they can achieve the peace of mind in knowing that they are fully protected from financial woes 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 protect you from the consequences of any non-collision incident - including auto theft.
  • Higher Bodily Injury Limits: If you cause an injury collision involving more than one vehicle or passenger, medical bills for the victims can exceed $50,000 fairly easily. For that reason, you might want to 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 after an accident that you caused, then the state mandated minimum of $10,000 might not cover the replacement value of the other vehicle. Buying a policy with higher limits for property damage can protect you from financial hardships caused by this type of scenario.

There's no obligation to purchase any of these optional coverages before taking to the roadways of Indiana. But if you think that having one or more of these policies might be in your best interest, feel free to contact an AIS Insurance specialist for more information.

Indiana Auto Insurance Discounts

Cost-conscious Indiana drivers might want to decrease the amount of money they pay for their auto insurance. The good news is that there are several types of insurance discounts available to various types of drivers.

Here are some examples:

  • Safe driver
  • Multi-vehicle
  • Good student
  • Accident free
  • Anti-theft
  • Multi-policy
  • And more…

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 financial problems that stem from an auto accident. This is why maintaining proper auto insurance coverage is so important. The people at Auto Insurance Specialists 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 suits your needs and your pocketbook?

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

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