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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.
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.
|Total Cost Per Year||$666.24|
|Price Per Month||$55.52|
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.
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.
These are the most common vehicles owned by Indiana drivers requesting car insurance quotes through QuoteWizard last year.
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.
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:
The state of Indiana also requires the following minimum insurance coverage for uninsured and underinsured motorists:
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:
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 requires the filing of an SR-22 from any driver:
“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.
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.
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.
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:
The penalties for a second offense OUI conviction are:
The penalties for a third offense OUI conviction are:
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 children aren't legally secured, you'll be subject to a fine of $25. Points are also added to your driver’s license.
Indiana has implemented a 3-tier graduated driver's license program. It begins with the learner’s permit phase and ends with full driver privileges.
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.
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:
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:
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.
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 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.
The state of Indiana taxes gasoline at 29.89 cents per gallon. The Federal fuel tax is 18.4 cents per gallon. Indianans pay 48.29 cents per gallon in tax. Diesel fuel is taxed at 38.81 cents per gallon. Federal tax of adds another 24.4 cents per gallon. This brings the total tax on diesel to 63.21 cents per gallon.
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.
In 2013, there were 783 traffic fatalities in Indiana, almost identical to the 781 traffic fatalities reported in 2012.
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.
Source: National Insurance Crime Bureau - Hot Wheels Report 2014
|1||8.7%||Indiana Farm Bureau|
|8||2.3%||Indiana Farmers Mutual|
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