Indiana Car Insurance: Requirements, Costs, Factors, Penalties, DUI Rates, SR-22

Cheapest Car Insurance in Indiana for all Cars and Drivers

Indiana is one of the cheapest states for car insurance. Minimum-liability coverage averages about $480 per year in Indiana, well below the national average. Insurance Navy helps Indiana drivers meet the required 25/50/25 liability limits for less.

Indiana car insurance policies tend to trend lower than the national average costs in many instances if you know where to look for affordable rates.

Car insurance requirements in Indiana

Here’s what you need to know when driving in Indiana

Car insurance is like taxes; if you’re in the United States, there’s no way to get around it legally. Indiana, like all states, requires by law that drivers on its state roadways carry (at a minimum) a certain level of coverage.

Proof of coverage is also mandatory, meaning you had better have that policy handy in case you’re pulled over. Failure to do so can result in significant penalties.

Sounds expensive? Not necessarily. Opting for minimum coverage policies is cheaper than full coverage, but it’s not without risks. That said, on average, most drivers pay around $414 yearly for minimum coverage to comply with state laws.

What are the minimum amounts of Car insurance in Indiana that every driver must carry?

• Bodily injury liability coverage: $25,000 per person

• Bodily injury liability: $50,000 per accident

• Property damage liability coverage: $25,000 per accident

What are the penalties for driving without Car insurance in Indiana?

Drivers in Indiana are required by law not only to be insured but also to carry PROOF of insurance when operating a vehicle on public roadways within the state.

Those caught driving without insurance face severe penalties, including but not limited to suspension of driver’s license, steep fines, and a reinstatement fee for driving as an uninsured motorist.

Penalties for driving without Auto insurance in Indiana

The state of Indiana has taken a hard and fast stance on those who violate its laws regarding auto insurance coverage.

• First-time offenders face a 90-day suspension of driving privileges and the mandatory carrying of an SR-22 certificate for 3-years

• Second-time offenders face a 1-year suspension of their driver’s license and a $500 fine, in addition to carrying an SR-22 for 3-years

• Third, any subsequent offenses result in a 1-year suspension of their driver’s license, a $1000 reinstatement fee, and carrying an SR-22 for 5-years

Cheap auto insurance in Indiana for minimum coverage

Shopping for car insurance in Indiana isn’t the most exciting thing (we know), but if there’s one thing we think everyone can agree on, finding a deal is never a bad thing.

Minimum-liability coverage is the cheapest way to drive legally in Indiana. The required 25/50/25 limits average about $480 per year.

How much does Auto insurance in Indiana cost?

This one is more complicated to answer. There are a multitude of factors that play a role in an auto insurance company giving you a custom quote on rates.

Indiana is one of the most affordable states for car insurance. Minimum-liability coverage averages about $480 per year in Indiana. Full coverage averages about $1,009 per year in Indiana. Both figures sit well below the national average.

What Car Insurance Coverage Types Can Indiana Drivers Choose?

Indiana drivers can choose several car insurance coverage types beyond the state minimum.

Liability coverage pays for injuries and damage you cause to others. Indiana requires liability at 25/50/25 limits.

Collision coverage pays to repair your own car after an accident, regardless of fault.

Comprehensive coverage pays for non-crash damage such as theft, hail, fire, and hitting an animal.

Medical payments coverage, called MedPay, covers medical bills for you and your passengers after a crash.

Uninsured/underinsured motorist coverage covers you when an at-fault driver has no insurance or too little coverage.

Rental reimbursement and roadside assistance are optional add-ons. Rental reimbursement covers a rental car while your car is in the shop. Roadside assistance covers towing and lockout help.

Does Indiana Car Insurance Cover Hitting a Deer?

Comprehensive coverage pays for damage from hitting a deer in Indiana. Deer strikes are common on Indiana roads in fall. Collision coverage and liability coverage do not cover animal strikes, so comprehensive coverage is the coverage to carry if you drive rural routes.

What determines your Auto insurance premiums in Indiana?

• Your vehicle’s make and model

• Your driving habits

• Age

• Zip code

• Marital status

• Driving record

Although insurance companies are prohibited from discriminating based on gender, ethnicity, and credit score, there is notable bias in data when evaluating insurance premiums concerning these elements.

How does your driving record affect your chances of getting Cheap car insurance in Indiana?

It shouldn’t be surprising that having citations on your record increases your risk profile, resulting in higher premiums. But how much, on average, do these valuations increase your premiums?

Indiana auto insurance rate increases by violation (averages):

• NOT at-fault accident - 6%

• 1 Comp claim - 8%

• 2 Comp claims - 14%

• Failure to show documents to law enforcement - 18%

• Failure to wear a seatbelt - 18%

• Child safety restraint violation - 20%

• Driving without lights - 20%

• Driving on expired registration - 21%

• Cell phone use violation - 25%

• Speeding 6-10mph over the limit - 25%

• Illegal turn - 26%

• Failure to yield - 27%

• Speeding 16-20mph over the limit - 27%

• Improper passing - 27%

• Racing or Reckless driving - 89%

• Leaving the scene of a crime - 97%

• Driving on a suspended license - 94%

*Examples are averages and vary widely depending on the particular carrier. The list is not exhaustive and is meant to give a representative sample of common traffic violations.

What’s the Cheapest car insurance in Indiana after a DUI?

The state of Indiana has taken a hard stance against driving under the influence, and so have its auto insurance providers. In addition to facing steep legal penalties and fines, you can expect to pay more for car insurance.

Those with a DUI conviction on their record are typically considered high-risk drivers, meaning cheap policies are out of the question. That said, shopping around will be the best route for finding a policy that will be good for your wallet.

At Insurance Navy, we work with many insurance companies to get you the best rate.

Even so, don’t be surprised if some insurance companies charge 90% higher for those with a DUI than a driver with a clean record.

SR-22 insurance in Indiana

Obtaining and holding SR-22 Insurance in Indiana is a common legal requirement as part of the penalties imposed due to a DUI conviction, at-fault collisions, driving with a suspended license, driving without insurance, or having too many ‘points’ on your license.

Although sometimes referred to as insurance, an SR-22 is a certificate of financial responsibility or bond offered by the insurance company to assure the state that you have a certain amount of coverage in the event of an accident.

Tips for how to get Cheap car insurance in Indiana

Quote comparison - one and one at Insurance Navy

One of the most effective ways to find the cheapest car insurance in Indiana is to shop around. Sounds time-consuming? It doesn’t have to be.

At Insurance Navy, we work with a selection of the industry’s best insurance providers, able to get you the best price and value across several companies without you having to lift a finger. With one submission for a price quote, we can connect you with the best policies for your budget and needs.

Understand how various factors can impact your Auto rates

Your age, driving record, vehicle, and ZIP code are the biggest factors in your Indiana premium. Comparing quotes is the fastest way to lower your premium.

Choosing the correct type of Auto coverage

At Insurance Navy, we take much pride in helping educate individuals such as yourself about the various types of insurance policies available and working with you to find the RIGHT policy that fits your needs, that way, you pay for precisely what you require and nothing else.

Don’t let your Auto policy lapse

A common mistake, especially for those who may not drive their vehicle for some time, is letting their policy lapse.

At worst, policy lapses can be a red flag to insurance providers; at best, they break up the long history of good driving habits you’ve built up.

Consider Uninsured motorist coverage

About 13.9% of Indiana drivers are uninsured. Uninsured/underinsured motorist coverage protects you from the cost of a crash with one of them. This coverage will not lower your premium, but it can save you money after an at-fault driver has no insurance.