Cheap car insurance in indiana Cheap car insurance in indiana



Cheap car insurance in indiana

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Cheap Indiana Car Insurance

Compare the best rates from 30 car insurance companies in Indiana.

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Here’s what you need to know when driving in Indiana

Across the Hoosier State, there are 197,997 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Cheap Car Insurance

What’s the cheapest car insurance in Indiana?

Cheap Insurance for Good Drivers in Indiana

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Indiana drivers without a recent speeding ticket typically save 17% on their car insurance — on pace with the national average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Cheap Insurance for Young Drivers in Indiana

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Indiana, the typical teen driver pays $4,225 per year — $700 cheaper than average for teen drivers nationwide — but still almost four times times more than the rate for all Indiana drivers.

Cheap Car Insurance for Bad Drivers in Indiana

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you’ll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 33% after a DUI, 31% after an at-fault accident, and 17% after a speeding ticket in Indiana. The post-citation penalties assessed by car insurance companies in the Hoosier State align with national averages. If you have a sparkling clean driving history, be sure to inquire about your insurance company’s safe driver discount.

What are the Best Car Insurance Companies in Indiana?

Every car insurance company advertises its low prices. But as with any service, the most affordable car insurance option isn’t always the best selection. Considering the stakes, it’s worthwhile to do your due diligence to find an insurance policy that covers your car completely in the event of an incident. Be patient and look for the best value, instead of settling for the most affordable car insurance in Indiana.

Compare top auto insurance companies’ fiscal strength and claims satisfaction levels to better understand the level of service you can expect. Claims satisfaction — assigned by J.D. Power — is rated on a scale of 2 to 5, with 5 being “among the best” and 2 being “the rest.” Financial strength — calculated by A.M. Best and ranging from “Superior” to “Poor” — evaluates an insurance company’s financial strength and ability to meet its contractual and policy obligations.

What is the Best Auto Insurance Coverage in Indiana?

The minimum allowed insurance in Indiana is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

If you select the minimum required coverage in Indiana, expect to owe an average of $485 per year. This is cheaper than the national average by 26%. If you want a higher level of car insurance coverage, you can select a policy with comprehensive and collision coverage, protecting against damages caused by car-versus-car collisions, theft, or weather incidents. However, better coverage comes at a cost: in Indiana, a comprehensive policy with a $1,000 deductible costs $976, 101% more than basic liability-only coverage. For a comprehensive policy with a $500 deductible, expect to pay 134% more than for basic liability-only coverage.

Compare mean rates for basic, better, and best car insurance levels below.

Car Insurance Laws

State minimum insurance requirements in Indiana

In Indiana, the state minimum coverage requirement is liability with limits of:
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident
Optional coverage in Indiana (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

Liability coverage is legally required in Indiana and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Indiana, the minimum is listed as 25/50/25 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Indiana but higher coverage amounts are available with most companies.

Indiana Car Insurance FAQs

Is Indiana a no-fault state for car insurance?

No. Indiana is an at-fault state. In the event of an accident, you are only responsible for the damage you actually cause.

Is it illegal to drive without car insurance in Indiana?

Yes. Currently, it is a misdemeanor. While the punishment depends on the occurrence of the offense, driving without insurance typically incurs a hefty fine and a license suspension. The impact on your premium — as well as the fines — will be far more expensive than what you would have paid for car insurance in the first place.

Can I get Indiana car insurance without an Indiana license?

Yes. If you have an out-of-state license, you should be able to get car insurance in Indiana. If you do not have a license or use an international license, you might have more difficulty.

How much does car insurance cost in Indiana cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Lafayette, Indiana, and the most expensive in Gary, Indiana.

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SOURCE: http://www.thezebra.com/indiana-car-insurance/

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