What Car Insurance Coverage Do I Need?

Decide how much liability coverage is enough for similar type of drivers.

Cheap Auto Insurance in Indiana

In Indiana, you should get liability insurance if you are driving a car. You can get cheap auto insurance Indiana to meet the liability insurance. There are many discounts and useless part in the premium. You can remove the useless part and pay the cheap premium. The insurance will prevent suspension of driving license.

Indiana is pretty famous for the cheap insurance rates. You can be a part of Indiana insurance celebration. There are many agencies which offer great value for money on insurance quotes. There are attractive quotes from the agencies. It will help you to ensure your liability over any bodily damage.

Indiana Car Insurance Rates by ZIP Code & City
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Average Rates

The average premium and costs vary from one company to another as well as city to city. The best part is that you can get very cheap quotes in Indiana. However, the insurance should cover minimum liability policy in Indiana. It is always recommended to analyze the insurance premium before investing on progressive, Erie and Cincinnati.

You should seek better value in auto insurance Indiana rather than class. Agencies offer four times lesser premium costs than the leading insurance brands. You have to shop on the basis on these two important points. You can retain the useful part of the insurance; it helps a lot when it comes to reducing the price.

CityCompanyYearly Rate
AndersonThe Cincinnati$720
GEICO$837
Erie$864
BloomingtonThe Cincinnati$708
GEICO$814
Erie$828
BrownsburgThe Cincinnati$660
Erie$804
Western Reserve$804
CarmelThe Cincinnati$636
Westfield$744
Erie$792
ClarksvilleHastings Mutual$852
Erie$888
Western Reserve$888
ColumbusThe Cincinnati$624
GEICO$787
Erie$792
Crown PointThe Cincinnati$780
Nationwide$792
Erie$936
East ChicagoGEICO$1,039
Erie$1,104
Indiana Farmers Mutual$1,104
ElkhartThe Cincinnati$756
GEICO$813
Erie$828
EvansvilleThe Cincinnati$852
Erie$888
GEICO$899
FishersThe Cincinnati$636
Westfield$744
Erie$792
Fort WayneThe Cincinnati$672
Western Reserve$732
Nationwide$804
FranklinThe Cincinnati$720
Erie$792
Western Reserve$804
GaryGEICO$1,040
Erie$1,104
Progressive$1,116
GoshenThe Cincinnati$756
GEICO$810
Progressive$821
GreenfieldThe Cincinnati$624
Erie$804
Western Reserve$804
GreenwoodThe Cincinnati$720
Erie$792
Western Reserve$804
HammondGEICO$1,039
Progressive$1,076
Erie$1,104
HammondIndiana Farmers Mutual$1,104
Erie$948
Utica National$972
HighlandGEICO$980
Erie$948
GEICO$980
HobartProgressive$1,003
The Cincinnati$696
Erie$780
HuntingtonGEICO$803
The Cincinnati$720
Progressive$903
IndianapolisErie$936
Hastings Mutual$852
Erie$864
JeffersonvilleWestern Reserve$888
The Cincinnati$756
Erie$840
KokomoWestern Reserve$852
The Cincinnati$768
Erie$900
La PorteGEICO$926
The Cincinnati$660
GEICO$773
LafayetteErie$780
GEICO$922
Erie$936
LawrenceThe Cincinnati$948
The Cincinnati$780
Western Reserve$792
LogansportGEICO$809
The Cincinnati$660
Progressive$808
MarionGEICO$835
Erie$936
Nationwide$972
MerrillvilleGEICO$980
The Cincinnati$792
Erie$900
Michigan CityGEICO$926
The Cincinnati$732
Erie$804
MishawakaNationwide$816
The Cincinnati$564
GEICO$783
MuncieErie$792
Erie$948
GEICO$980
MunsterUtica National$996
The Cincinnati$852
Erie$852
New AlbanyHastings Mutual$852
The Cincinnati$684
Erie$792
New CastleProgressive$832
The Cincinnati$636
Westfield$744
NoblesvilleErie$792
The Cincinnati$660
Nationwide$792
PlainfieldErie$804
Western Reserve$804
The Cincinnati$744
PortageGEICO$840
Erie$924
The Cincinnati$696
RichmondErie$768
GEICO$799
The Cincinnati$780
ScherervilleErie$936
Nationwide$972
The Cincinnati$684
SeymourWestern Reserve$840
Erie$852
The Cincinnati$636
ShelbyvilleErie$804
Western Reserve$804
The Cincinnati$732
South BendErie$804
GEICO$849
The Cincinnati$720
Terre HauteErie$876
GEICO$906
The Cincinnati$744
ValparaisoHastings Mutual$768
GEICO$840
The Cincinnati$720
VincennesErie$852
GEICO$862
The Cincinnati$660
West LafayetteGEICO$773
Erie$780
The Cincinnati$636
WestfieldWestfield$744
Erie$792
Westfield$744
ZionsvilleThe Cincinnati$756
Western Reserve$804

Car insurance requirements in Indiana

Indiana has some specific requirements for the driving and car insurance. You have to drive legally along with valid car insurance. It is more than covering liabilities upon a bodily injury in some states. You must have a basic insurance with the following coverage to drive a car. You can always update the old policy by pay extra with premium.

  • In the case of multiple bodily injuries, the insurance should cover up to 50,000 dollars.
  • Property damage should be capped at 25,000 dollars for every accident.
  • You need to have bodily injury coverage of 25,000 dollars.
  • When it comes to uninsured driver property damage, the insurance should pay a minimum coverage of 10,000 dollars.
  • In the case of the underinsured motorist, the insurance should cover 50,000 dollars per person and 50,000 dollars per accident.
Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 100,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

A policy can last up to 18 years after that you have to renew the Indiana auto insurance. There is mutual automobile insurance available for three continuous years. It will provide coverage for a long time along with some attractive discount rates. The policy will be in force if there is no chargeable discount in the period.

You can go for the basic level auto insurance in Indiana, but the coverage for liability will be very less. It is always recommended to have such insurance that allows you to drive in the city. It will go over the medical bill and property damage for the passenger and driver. If it is a mistake of another driver, then you can claim a full coverage. Indiana auto insurance will cover additional liability damage of property.

Uninsured Motorist Coverage

The Indiana car insurance laws are very strict when it comes to driving without any insurance. You have to include collision protection for the uninsured motorist into the coverage. It is always recommended to pick minimum protection for the liability damage of 50,000 per accident. The minimum limit for the bodily injury of the insured person is 25000 per person.

Indiana Auto Insurance Laws

Car insurance Indiana has great offering when it comes to cheap insurance. It is mandatory to have car insurance for all drivers because the state requires it. You can save yourself from huge property damage.

Apart from that, you should have the following points in your insurance as it is required by Indiana laws.

  • You have to provide an insurance ID for the insurance to claim the financial coverage upon the accident.
  • You have to be present physically on the court.
  • It is mandatory to submit the insurance to register the vehicles.

If you want to have cheapest car insurance Indiana, then you have to obtain the learner’s permit under the age of 18 years. It consists 50 hours of supervised driving in front of a licensed instructor. You have to maintain the practiced time before applying for the full driving license.

Speed Limits in Indiana


Rural Interstates


Cars (MPH) Trucks (MPH)
70 65

Urban Interstates


Cars (MPH) Trucks (MPH)
55 55

Other Limited Access Roads


Cars (MPH) Trucks (MPH)
60 60

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