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Indiana drivers are subject to mandatory car insurance requirements for any vehicle registered in Indiana. The state of Indiana operates under tort law, which means drivers at-fault in a car accident are responsible for damages.
whether you live in Indiana or are just passing through, you really want to consider a policy with much more coverage than the requirements set by the Indiana Bureau of Motor Vehicles.
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Indiana Car Insurance Requirements
If you own a vehicle registered in Indiana then you must have liability insurance with coverage of at least 25/50/10.
This means your car insurance policy must have at least:
- $25,000 bodily injury liability per accident per person
- $50,000 bodily injury liability all persons per accident
- $10,000 property damage liability insurance
While these limits may seem reasonable on the surface they are far lower than you need. Liability insurance only covers damages/injuries to other people so if you purchase a policy simply with the state minimum requirements you essentially have no insurance for you or your vehicle.
Most drivers in Indiana opt for a more comprehensive policy, which includes higher limits of coverage ($100,000 or more) and several other forms of car insurance coverage including:
- Medical payments
- Personal injury protection.
While the cheapest car insurance policy is always one which only provides the bare minimum insurance required by law it is also the policy that provides the least amount of coverage and exposes you to tremendous potential personal liability.
Always consider expanded limits of coverage as well as any additional types of coverage you need.
Drivers can save $859/yr* by comparing car insurance
*based on a survey of 1,000 car insurance customers
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Indiana Car Insurance Companies
Indiana drivers certainly have a very broad list of car insurance companies to choose from. The state is home to almost 200 licensed auto insurance companies making Indiana one of the top 3 states in terms of how many car insurance companies are licensed to offer coverage.
This provides a great advantage for drivers when doing a car insurance comparison search and you should really take advantage of comparing as many providers as you can before choosing an auto insurer.
Some of the auto insurance companies who offer coverage in Indiana include:
The one thing you really want to pay attention to when shopping for car insurance in Indiana is the large selection of quality regional auto insurance companies.
Although many do not have the celebrity power of a GEICO or Allstate these regional car insurance companies often provide the same coverage at comparable or even lower rates than some national brands.
Car insurance comparison is really important to Indiana drivers for many reasons including just knowing who the providers are.
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