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Indiana Auto Insurance

Indiana requires that at-fault drivers pay for any damages caused during an accident. For this reason, Indiana is what is referred to as a “tort” state. In a “tort” state there is minimum liability coverage which allows drivers to pay for any expenses arising from an accident, but their liability may extend beyond their insurance coverage.

Indiana Auto Insurance Coverage Requirements

The minimum liability coverage required for Indiana auto insurance is 25/50/10. This means that the liability coverage must pay at least $25,000 per each person, $50,000 for all individuals, and $10,000 for property damages caused by an at-fault accident.

As with other states, Indiana auto insurance providers also offer collision insurance, comprehensive insurance, and uninsured/underinsured motorist protection coverage. When buying auto insurance in Indiana it is advisable to purchase additional coverage such as these to protect yourself in the case of a catastrophic road accident.

Indiana Auto Insurance Rates

It is fairly cheap to purchase Indiana auto insurance when compared to the rest of the nation. In 2003, a study found that Indiana ranked 38th in the nation for money spent on car insurance throughout the year. The expense was on average $670.39 in 2003. In 1999, Indiana drivers spent an average of $581.98 for the year, which equates to a rise from 1999 to 2003 of 15.2%. Indiana drivers spent on average $373.70 for liability coverage, $269.74 for comprehensive coverage, and $124.28 for collision coverage in 2003.

Most insurance companies calculate Indiana auto insurance rates by figuring both the cost to insure all drivers in the state and also individual expenses. The individual expense is a calculated by factoring in things like age, car type, location, marital status, and driving record. The insurance uses those factors to determine your piece of the pie, so to speak.

Indiana Auto Insurance Companies

Indiana car insurance rates are not the same with every company, so it may be good to search around for a better deal.

Additional Information and Resources

Indiana Department of Insurance
311 West Washington St.
Indianapolis, IN 46204-2787
Phone: (317) 232.2395

For other Indiana Insurance Resources, See:

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