Best Auto Insurance Rates in Indiana

On average, your neighbors pay $55 a month.

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Local Insurance Information

Compare Auto Insurance in Indiana

Since Indiana’s state motto is “The crossroads of America”, we figured that driving was an important aspect of the Hoosier state. Here at QuoteWizard, we’ve compiled useful insurance information from industry and government sources which Hoosiers can use to save money on their insurance premiums.

This page will show you which types of coverage are legally required in Indiana and inform you about important insurance laws. It also provides information about the cost of driving and insights about insurance risk in Indiana.

Average Indiana Car Insurance Rates

How much is car insurance in Indiana? Drivers here are pretty good behind the wheel and insurance companies have noticed. Average car insurance rates in Indiana are much lower than the national average. On average, auto insurance in Indiana costs $666.24 per year. The national average price is $889.01.

Prices may vary depending on your zip code thanks to traffic congestion, weather conditions and crime rates.

Indiana Average Annual Car Insurance Rates
Coverage Rates
Liability $382.68
Collision $250.29
Comprehensive $122.06
Total Cost Per Year $666.24
Price Per Month $55.52
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Indiana insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Indiana car insurance rates increased from $621 in 2011 to $666 in 2015, a jump of $44 dollars, or 7.22 percent.

Indiana average car insurance rates

Buying car insurance in Indiana should be easy. Unfortunately, it can be the opposite when you shop for it on your own.

Instead of spending hours researching insurers by yourself, let QuoteWizard lend a helping hand. We’ll connect you to the top car insurance companies in the country so you can compare rates. In the end, you’ll not only save time, but also money!

Last year, 65,665 people used QuoteWizard to compare car insurance quotes in Indiana from multiple companies to lower their rates.

Best Car Insurance Companies in Indiana

These were the most common car insurance companies reported by QuoteWizard users in Indiana last year. Out of the 65,665 Indiana drivers that used QuoteWizard to request insurance quotes last year, 1,794 had no car insurance.

Top 10 Vehicles in Indiana

These are the most common vehicles owned by Indiana drivers requesting car insurance quotes through QuoteWizard last year.

  1. Ford F150
  2. Chevrolet Blazer
  3. Chevrolet Silverado
  4. Ford Taurus SE
  5. Chevrolet Impala LS
  6. Chevrolet Cavalier
  7. Ford Ranger
  8. Chevrolet Malibu
  9. Honda Accord EX/LX
  10. Chevrolet S10
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Indiana State Auto Insurance Laws

Minimum Car Insurance Requirements in Indiana

If you drive a vehicle registered in Indiana, you must maintain a minimum level of insurance coverage of 25/50/10. This means that you must have:

  • $25,000 of coverage for bodily injury liability per person
  • $50,000 of coverage for bodily injury liability per incident
  • $10,000 of coverage for property damage liability per incident

The state of Indiana also requires the following minimum insurance coverage for uninsured and underinsured motorists:

  • Uninsured Motorists: Bodily Injury: $25,000/$50,000
  • Property Damage: $10,000
  • Underinsured Motorists: Bodily Injury: $50,000

Recommended Coverage

About 20 percent of Indiana drivers have no insurance, giving it the fifth highest rate of uninsured drivers in the country. That raises rates for all insured drivers. To make matters worse, getting into an accident with an uninsured driver will cost you a lot of money. There are means to protect yourself, however. Auto insurance companies provide uninsured coverage so you don’t have to cover costs if you’re in a crash with an uninsured driver.

The minimum required liability gets you road legal and covers some of the damages to the other driver in a crash. But it really does nothing for your personal costs after a crash. Also, if the accident is serious enough it can quickly cost more than what minimum liability covers. To avoid having to pay out of pocket, we recommend:

  • $100,000 Individual Body Injury Liability
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability

Proof of Financial Responsibility

Unlike most states, drivers in Indiana are not required to carry proof that they meet the state’s minimum insurance requirements. High risk drivers, however, may need to have their car insurance company file a Certificate of Compliance (COC) after:

  • A car accident
  • A traffic ticket within one year of receiving two other traffic tickets
  • Conviction of a serious traffic violation
  • Any traffic violation by a driver whose license was suspended for failing to provide proof of financial responsibility

Penalties

If you are stopped by law enforcement or get into an accident and cannot prove that you meet the minimum Indiana insurance requirements, you could face fines and/or penalties.

Indiana drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Financial Responsibility Insurance (SR-22) Requirements

Indiana requires the filing of an SR-22 from any driver:

  • That's had their driving privileges suspended after failing to provide proof of responsibility
  • Following conviction of major offenses such as a OUI
  • Leaving the scene of an accident

“SR” stands for safety responsibility and it certifies that a driver has the minimum amount of insurance required by state law. Driving privileges will not be restored until the driver’s insurer electronically submits an SR-22.

Indiana state law requires that an SR-22 be carried for 3 years after the end of the suspension of driving privileges. If your insurer notifies the BMV that your insurance was cancelled or your SR-22 isn't on file, your license will be suspended.

State of Indiana Traffic Safety Laws

Distracted Driving Laws

Indiana has banned novice drivers from the use of cell phones, both handheld and hands-free while operating a moving vehicle. In addition, all drivers are banned from texting.

Both of these bans are primary laws. This means police can pull you over and issue a citation for breaking these laws without any other cause.

Implied Consent Law

This Indiana law requires that drivers submit to alcohol or drug testing. It tests blood, breath, or urine from drivers arrested for suspicion of operating a vehicle while under the influence (OUI) of drugs or alcohol.. Refuse the test and you’ll face license suspensions and fines.

OUI Law and Penalties

If you drive with a Blood Alcohol Content (BAC) of 0.08% or higher, you're guilty of Operating a Vehicle While Under the Influence (OUI).

The penalties for a first offense OUI conviction are:

  • Between 60 days and 1 year in jail
  • A fine of between $500 and $5,000
  • Up to 2-year suspension of driver’s license

The penalties for a second offense  OUI conviction are:

  • Between 5 days and 3 years in jail
  • $10,000 fine
  • Minimum 180-day suspension of driver’s license, with a maximum of 2 years

The penalties for a third offense  OUI conviction are:

  • Between 10 days and 3 years in jail
  • $10,000 fine
  • Minimum 1-year suspension of driver’s license, with a maximum of 10 years
  • Required use of an ignition-interlock device

Senior Drivers in Indiana

The license renewal cycle for drivers in Indiana is every 6 years. But when drivers reach the age of 70, they can no longer renew their licenses electronically or by mail. They must do so in person at the DMV.

As Indiana drivers get older, the renewal cycle becomes even more frequent:

  • Drivers between the ages of 75 and 84 must renew their licenses every 3 years
  • Drivers 85 years of age and older are required to renew their driver’s licenses every 2 years

Vehicles Registered in Another State

Do you drive a vehicle registered in another state? If so, you need the minimum insurance coverage required by that state. You must also be able to provide proof of this insurance to law enforcement upon request.

The Cost of Driving in Indiana

Average Indiana Car Insurance Rates

The average cost of car insurance in Indiana in 2015 was $666.24 compared to a national average of $889.01. Indiana is ranked the 43rd most expensive state, including the District of Columbia, for car insurance.

Car Insurance Risk in Indiana

Uninsured Motorists

In 2012 it was estimated that 14.2% of all drivers on Indiana roads had no car insurance. This number is slightly higher than the national average of 12.6% and ranks Indiana 14th in the nation for uninsured motorists.

Traffic Fatalities

In 2013, there were 783 traffic fatalities in Indiana, almost identical to the 781 traffic fatalities reported in 2012.

  2010 2011 2012 2013
Total Fatalities 754 751 781 783

Vehicle Thefts

Indiana had 13,861 vehicle thefts reported in 2014, a 2.3% decrease compared to 2013 when 14,184 vehicles were reported stolen. In 2014, the vehicle theft rate was 210.1 per 100,000, a decrease of 2.7% from the 2013 rate of 215.9 per 100,000.

The vehicle theft rate in Indiana is slightly lower than the overall US vehicle theft rate, which was 216.2per 100,000 in 2014.

Top 10 Most Stolen Vehicles

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 1999 Chevrolet Pick-Up (Full Size)
  2. 2001 Ford Pick-Up (Full Size)
  3. 2004 Chevrolet Impala
  4. 1997 Chevrolet Pick-Up (Small Size)
  5. 2001 Dodge Pick-Up (Full Size)
  6. 2002 Chevrolet Malibu
  7. 2000 Jeep Cherokee/Grand Cherokee
  8. 2001 Ford Taurus
  9. 1999 GMC Pick-Up (Full Size)
  10. 2004 Pontiac Grand Prix

Indiana Auto Insurance Company Market Share

Source: Indiana Department of Insurance, 2009 Indiana Auto Complaint Index
Rank Market Share Company
1 8.7% Indiana Farm Bureau
2 7.3% Progressive
3 6.8% Allstate
4 5.1% American Family
5 3.8% Geico
6 2.6% Farmers
7 2.5% Erie Insurance
8 2.3% Indiana Farmers Mutual
9 1.5% USAA

Indiana Department of Insurance

Website:
http://www.in.gov/idoi/
Director:
Stephen W. Robertson
Consumer Affairs Hotline:
(317) 232-2395

File a Consumer Insurance Complaint

Website:
Consumer Online Form

Sources:

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