Indiana Car Insurance

State of Indiana
The Hoosier state requires that any motorists operating on the roadways must have at least a liability and uninsured/underinsured motorist policy in effect at all times. Many states do not make both of these types of coverage mandatory, therefore it would be wise to compare quotes from various insurers in order to find the best deal.

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Comparing Indiana Auto Insurance Online

The Internet provides a very fast and easy way to compare prices for premium from multiple companies. By filling out an online form on a comparison website and submitting it, consumers will be able to view and begin comparing rates from carriers that are approved to issue policies in their area in a matter of minutes. This method eliminates the time consuming need to visit offices and/or make numerous telephone calls.

When making an IN auto insurance comparison individuals should have some information ready in order to speed up the process. The following information will be needed to obtain quotes whether shopping on or offline; driver and vehicle information (year, make, model, and VIN). Consumers should know the following rating factors that providers may use:
  • Drivers age and sex
  • Marital status
  • Place of residence
  • Driving record
  • Claims history
  • Car usage (pleasure or business)
  • Type of coverage desired
  • Annual mileage
  • Vehicle year, make and model
  • Policy limits and type of coverage
  • Amount of Deductibles (if applicable)
  • Credit scores
With all these factors determining what a motorist will pay for coverage with a particular company, the most effective way to find cheap IN car insurance policies is to gather rates from as many providers as possible. This can give the shopper an idea of what they can expect to pay and disregard the quote of any company that they may feel is unreasonable. The Internet is a valuable tool that get help speed up the comparing process and can be used free of charge with no obligation to buy.

Indiana Car Insurance Laws

Every driver must have a liability policy which consists of two parts; the first is Bodily Injury which pays for injuries to other people as a result of being at fault in a traffic accident up to the limits on the policy and Property Damage which pays for any property damaged by the policyholder with their vehicle. The IN auto insurance laws also require Uninsured/Underinsured Motorist coverage, although it can be rejected in writing by the motorist, which pays for bodily injury to the insured and/or passengers if struck by a driver that does not have a policy, is underinsured or if victims of a hit-and-run driver.Indiana laws

The minimum required limits are as follows:

Liability
  • $25,000 for bodily injury to one person
  • $50,000 for bodily injury to two or more people
  • $10,000 for property damage
Uninsured Motorists
  • $25,000 for bodily injury to one person
  • $50,000 for bodily injury to two or more people
  • $10,000 for property damage
Under insured Motorists
  • $50,000 for bodily injury
The state also requires that drivers file an SR-21 or a Certificate of Compliance with their insurer following an accident or traffic violation. This is to ensure financial responsibility for possible future incidents. Once an SR 21 is obtained it is the job of the insured to make sure that this form reaches the Bureau of Motor Vehicles. Failure to comply can result in the loss of a driver's license. Contact the Indiana Department of Insurance for more information on complying with the state's requirements.

Questions about IN Coverage

  • Can I Buy Auto Coverage Through the Indiana Department of Insurance?

    Indiana and the United States flagThe Indiana Department of Insurance (IDOI) does not sell automobile coverage, but it does provide many services to consumers. One of which is helping resident motorists locate insurers (although the department can't recommend specific carriers). In order for individuals to...

  • How Are Indiana Auto Insurance Rates Set?

    Indiana state and flagIndiana car insurance rates are set by coverage providers licensed to sell insurance in the Hoosier State, and their ratemaking formulas are reviewed by state regulators. Premiums are based on the insurer's bottom line and on a number of details used to determine a...

  • How Do I Research Indiana Car Insurance Companies?

    Indiana state flagWhen shopping for automobile coverage in the Hoosier State residents may quickly notice that there is a wealth of insurers to choose from. Luckily, having a variety of options typically gives residents a better chance of finding a policy that is adequately priced and comes from a company that is...

News Related to Indiana Insurance

  • Missouri Electronic Proof of Insurance Law Takes Effect

    August 29, 2013 - Beginning yesterday, the Show-Me State joins California, Indiana and 24 other states in allowing drivers to show proof of insurance electronically, through their cell phone, tablet or even laptop. The insurance lobby has been advocating the "e-card" initiative over the past two years, and so-far 22 states have passed legislation ...

  • Indiana's $130M in Unpaid Car Insurance Fees Spurs Lien Talk

    August 27, 2013 - If you're an uninsured Indiana motorist who hasn't paid fees demanded of you from the state's Bureau of Motor Vehicles, beware: Lawmakers are talking about ways to collect. The Bureau of Motor Vehicles (BMV) recently reported to legislators on the Interim Study Committee on Insurance that about 321,000 drivers owe the ...

  • Ind. Study Group Talks Harsher Enforcement on Uninsured Drivers

    August 16, 2013 - Indiana drivers could be in for major changes, from having their coverage status tracked through a statewide coverage database to getting stiffer penalties for driving without coverage, as lawmakers in a new study group began talks about ways to cut into the uninsured rate there. Lawmakers also discussed the possible effects ...

Articles Regarding Indiana Auto Insurance

  • Auto Insurance Coverage in Indiana

    Dec 13, 2011 - The financial impact of being involved in an accident can be significant, especially for the at-fault driver. Indiana motorists are required to carry liability insurance in addition to uninsured/underinsured motorist coverage to retain financial responsibility while...

  • Helpful Auto Insurance Quote Comparisons in Indiana

    Oct 10, 2011 - There are many reasons to drive in Indiana, but to be legally allowed to get behind the wheel a resident first needs to buy auto insurance. However, motorists are discouraged from purchasing the first...