Best Car Insurance Rates In The Great State of Indiana

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Compare Auto Insurance Quotes in Indiana to Get the Best Rates

Compare Auto Insurance Quotes in Indiana to Get the Best Rates

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, inform you about important insurance laws, and provide you with both information about the cost of driving, and some insights about insurance risk in Indiana, all to help you protect yourself and your family.

Average Indiana Car Insurance Rates

Indiana drivers are pretty good behind the wheel and insurance companies have noticed. Average car insurance rates in Indiana are much lower than the national average. Prices may vary depending on your zip code thanks to traffic congestion, weather conditions and crime rates.

On average, auto insurance in Indiana costs $642.19 per year. The national average annual cost is $866.31.

Indiana Average Annual Car Insurance Rates
Coverage Rates
Liability $371.69
Collision $240.00
Comprehensive $117.25
Total Cost Per Year $642.19
Price Per Month $53.51

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 top companies and find the cheapest rates.

Top 10 Vehicles in Indiana

These are the most common vehicles owned by Indiana drivers requesting car insurance quotes through QuoteWizard in the past 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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Best Car Insurance Companies in Indiana

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

  1. Progressive
  2. Allstate
  3. Geico
  4. Farmers
  5. Nationwide
  6. Esurance
  7. Liberty Mutual
  8. 21st Century
  9. AIG
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Indiana State Auto Insurance Laws

Car Insurance Minimum Coverage

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

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.

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Financial Responsibility Insurance (SR-22) Requirements

Indiana requires the filing of an SR-22 from any driver that has had their driving privileges suspended after failing to provide proof of responsibility or following conviction of major offenses such as a DWI or 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 the BMV receives a notification from your insurer that your insurance was cancelled or it’s found that an SR-22 is not on file during this 3-year period, the driver’s 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, which means law enforcement can pull you over and issue a citation for breaking these laws without any other cause.

Implied Consent Law

Indiana’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested by law enforcement for suspicion of operating a vehicle while under the influence (OUI) of drugs or alcohol. Refuse the test and you’ll face the following penalties in addition to those for an OUI:

  • First Offense: suspension of driver’s license for 1 year
  • Second and Subsequent Offenses: suspension of driver’s license for 2 years

OUI Law and Penalties

If you drive or operate a motor vehicle in the state of Indiana with a Blood Alcohol Content (BAC) of 0.08% or higher, you are 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

Child Restraint Law

Indiana’s Child Restraint law requires that all children younger than 8 years of age use appropriate child safety seats.  Children between the ages of 8 and 15 and weighing 40 or more pounds are allowed to wear lap belts only if no shoulder belt is available. Children under the age of one year and weighing less than 20 pounds must be secured in a rear-facing child safety seat.

If you are pulled over by law enforcement and it’s discovered that children are not legally secured, you will be subject to a fine of $25 and points will be added to your driver’s license.

Graduated Driver’s License

Indiana has implemented a 3-tier graduated driver's license program beginning with the learner’s permit phase and ending with full driver privileges once all conditions are met.

Teen drivers can apply for a learner’s permit on their 15th birthday if they are enrolled in a state approved driver’s education program. Teens that don’t take driver’s education must wait until they turn 16 to apply for a learner’s permit.

Young drivers are required to remain in the Permit Holding Period for a minimum of 180 days before applying for a probationary license. During this period, teens must complete at least 50 hours of supervised driving practice, with at least 10 of them taking place at night with either a certified driving instructor, a licensed driver of at least 25 years of age, or a spouse at least 21 years of age.

Once all requirements and prerequisites have been satisfied, teens may apply for a probationary license.  This license allows drivers to operate a motor vehicle on the roads of Indiana with the following restrictions:

  • May not drive between the hours of 10 pm and 5 am, 7 days a week for the first 180 days of holding their license
  • Sunday-Thursday, may not drive between the hours of 11 pm and 5 am; Friday-Saturday, may not drive between the hours of 1 am and 5 am until age 18 unless driving to or from school or church-related functions
  • Drivers cannot carry any passengers for the first 180 days unless there is a licensed driver at least 25 years old, a certified driving instructor, or parent or guardian sitting in the front seat next to them. Children, siblings, or a spouse are exempted
  • All cell phone use, including texting is banned

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 and 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

Seat Belt Laws

Indiana requires that all passengers 8 years of age and older wear seat belts in both the front and back seats of moving vehicles. Failure to comply will result in a fine of $25 plus court costs.

Vehicles Registered in Another State

When you drive a vehicle in Indiana that is required to be registered in another state, you must have the type of insurance required by that state.

The Cost of Driving in Indiana

Average Indiana Car Insurance Rates

The average cost of car insurance in Indiana in 2014, the most recent year for which data was available, was $642.19 compared to a national average of $866.31. Indiana is ranked the 46th most expensive state, including the District of Columbia, for car insurance.

Fuel Taxes

As of January 2016, the state of Indiana taxes gasoline at 29.89 cents per gallon. When added to the Federal fuel tax of 18.4 cents per gallon, residents of Indiana can expect to pay a total of 48.29 cents per gallon in taxes every time they fill their tanks.  Indiana taxes diesel fuel at 38.81 cents per gallon. When added to the Federal diesel tax of 24.4 cents per gallon, Indianans will pay a total of 63.21 cents in taxes per gallon for diesel fuel.

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 in Indiana

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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