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.

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:


  • $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.