Cheapest Car Insurance in Indianapolis

The average cost of car insurance in Indiana is 56% lower than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in...

Drivers in Indiana need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $25,000 of property damage liability insurance. Collision, comprehensive and gap insurance may also be required by a lender or lessor if your vehicle is financed.

In addition, an optional but recommended type of coverage in Indiana is uninsured/underinsured motorist insurance. It replaces the liability coverage an at-fault driver should've had and pays for your costs up to your policy limits.

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Full coverage insurance in Indiana is usually defined as a policy that provides more than the state's minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $25,000 in property damage coverage. Full coverage in Indiana also includes optional collision and comprehensive insurance. As a result, full coverage insurance costs an average of $1,432 per year in Indiana, while a state minimum policy costs $422 per year.

If you can't afford to repair or...

Indiana is an at-fault state, which means that the at-fault driver is responsible for paying for everyone injured in the accident. There are no restrictions on the right to sue after an accident in at-fault states, even if the insured buys personal injury protection (PIP).

Drivers in Indiana are required to carry at least $25,000 in bodily injury liability insurance per person, up to $50,000 per accident, and $25,000 in property damage liability insurance. When an insured driver is responsible for an accident, liability insurance covers the other driver's expenses.

On average, state minimum coverage costs $898 per year in Indiana, but there are many factors that can affect how much you pay for a policy. Any coverage above and beyond what is required by Indiana law is optional, but it's usually worth the money to get some additional protection. The biggest reason is that state minimum coverage doesn't protect your personal vehicle. For insurance to pay for damage to your car, you'll need full coverage.

In Indiana, full coverage refers to a policy that includes collision and comprehensive, plus higher coverage limits than what is required by state law. Full coverage car insurance costs about $2,918 per year in Indiana. There may be cases when you don't need full coverage insurance, but Indiana drivers should buy as much coverage as they can afford as a general rule.

Most policies offer coverage for six months to one year at a time and can be paid in a variety of ways, including monthly payments. The best car insurance companies in Indiana balance affordability with quality coverage and strong customer service. You can easily get a quote from top companies like State Farm, Geico, Westfield, IN Farm Bureau, and Erie Insurance online or over the phone, or use WalletHub's comparison tools to find the best car insurance policy for your needs.

You can get car insurance discounts in Indiana based on how you drive, the car you own, and your relationship with your insurance company. In Indiana, car insurance companies are allowed to consider factors like employment, residential, and marital status when setting premiums. That means there are also discounts available for being married, owning a home, or being affiliated with certain employers or educational institutions.

Almost anyone can get a discount on car insurance...

Penalties for Driving Without Insurance in Indiana

Not having car insurance and not being able to prove that you have it are two different violations. If you have insurance but cannot prove it when you get pulled over or at the scene of an accident, you are guilty of an "administrative violation", similar to a seat-belt ticket. In Indiana, your citation might be dismissed if you can provide the court with proof of valid insurance for the date of the citation on or before your court date.

Driving without car insurance at all is much more serious, and the penalties are more severe. In addition to the legal consequences, you can also expect your car insurance premium to go up.

You can avoid these consequences by meeting Indiana's minimum car insurance requirements.

Required Car Insurance in Indiana

• $25,000 in bodily injury liability coverage per person
• $50,000 in bodily injury liability coverage per accident
• $25,000 in property damage liability coverage per accident

The key to maintaining the minimum amount of coverage required by Indiana is to find a policy you can afford. If your coverage has already lapsed, start by comparing quotes from the insurance companies WalletHub's analysis identified as having the best post-lapse rates.

Best Car Insurance in Indiana After a Lapse in Coverage

• USAA
  
• Indiana Farmers Insurance
  
• State Farm
  
• Indiana Farm Bureau
  
• Geico
  

Drivers in Indiana pay an average of $898 per year to maintain the minimum amount of coverage. That's nothing compared to the consequences of driving without insurance, especially if you get into an accident.

What Happens If You Get Into a Car Accident Without Insurance in Indiana?

1. If you get into an accident: all penalties will apply.

If you get into an accident while driving without insurance in Indiana, you will incur the penalties for driving without insurance no matter who is at fault. Driving uninsured can make it difficult to be compensated for damages if you are not at fault and can have long-lasting and life-changing consequences if you are at fault.

2. If the accident is your fault: you'll have to pay for all the damages out of your own pocket.

In addition to the legal consequences of driving without insurance, you could easily be responsible for tens of thousands of dollars or more in damages to your vehicle, the other driver's car repairs and hospital bills, and your own medical care. You could face mounting debt or even bankruptcy, especially if the other driver doesn't carry uninsured motorist coverage or personal injury protection.

3. Even if you were not at fault or only partially at fault, there will be other consequences.

Driving uninsured doesn't negate the other driver's fault entirely, but you're almost certainly going to be penalized and unable to recover everything you would be entitled to if you had insurance. In at-fault states such as Indiana, the driver who caused the accident is usually responsible for damage to your car and any medical treatment you may need. However, Indiana uses a modified comparative negligence system, which means you may not be able to recover all the costs associated with the accident if you are found even partially responsible for causing it. This would leave you to cover these costs out of pocket if you were uninsured at the time.

Indiana car insurance laws require bodily injury liability coverage of $25,000 per person and $50,000 per accident, along with $25,000 of property damage liability coverage. Indiana also requires uninsured and underinsured motorist coverage totaling Not Required.

The first two categories – bodily injury liability and property damage liability - cover injuries or damages that you accidentally cause with your car. Your car insurance pays up to the per-person or per-accident limit in each category....

Key Things to Know About Liability Car Insurance in Indiana

• Some communities are exempt. Per Alaska state legislature, if you live in certain communities, you are exempt from vehicle registration, the Mandatory Insurance Law, and CDL road testing. In this case, you are not required to purchase...

Cheapest Cities for Car Insurance in Indiana

1. Richmond: $849 per year
2. Goshen: $877 per year
3. Columbus: $882 per year
4. Lafayette: $889 per year

Some cities in Indiana have cheaper car insurance premiums than others because insurance companies...