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Minimum State Insurance Requirements » Indiana

20 / 50 / 10

Personal injury insurance for the driver: $20,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $50,000

Property damage coverage per claim: $10,000



Indiana Car Insurance Information

Hoosier drivers looking for the best source of Indiana car insurance information anywhere need look no further than, the nation’s premier source for insurance quotes and deals. The site also features key Indiana insurance statistics including average annual rates, minimum coverage limits, and safety information like DUI penalties.

Indiana Car Insurance Information

Indiana’s economy is split between heavy manufacturing and agricultural activity. Much of the state lies on the Interior Lowland, a flat area of rich farmland and straight roads. It is also rich with history; in the south, ancient Native American burial mounds can be seen by drivers in the Evansville area to this day. Local drivers know that severe winter weather conditions can make driving anywhere in Indiana a tricky business.

With this in mind, Indiana drivers must secure a good insurance policy. Low annual premiums of just $1,013 make this easy, as does the state’s no-fault policy. Although 16 percent of Indiana drivers currently lack insurance, this number is mostly due to economic conditions rather than high insurance rates and will likely decrease in the future. Strict DUI penalties including potential jail time make safe driving a must anywhere in the state.

Car Insurance Minimum Requirements

Insured Hoosier drivers must carry at least $25,000 of per-person injury liability coverage, $50,000 of per-accident coverage, and $10,000 of property damage coverage for a total split of 25/50/10. Though these numbers are right around the national average, they are higher than in some other Midwestern states due to Indiana’s high number of uninsured drivers.

Car Insurance Companies

From South Bend to Terre Haute to the state capital of Indianapolis, most Indiana towns feature at least one homegrown local insurance agency. The agricultural economy of central Indiana necessitates the use of farm machinery and heavy trucks, increasing the need for local insurance services both for owners of this equipment and drivers who share the road with them. As more families exit the farming business, the need for these small-town agencies has decreased in recent years. The national companies that have taken their place, however, maintain a tradition of customer service and relationship-building that Hoosiers appreciate.

Free Car Insurance Quotes For Indiana

Taking advantage of Indiana’s low car insurance rates is easy at, the premier resource for Hoosiers looking to save on their insurance. Drivers can simply enter their zip code or vehicle make and model and instantly find free Indiana car insurance information worth hundreds of dollars in annual savings! Try it at today.

Car Insurance Rates

Indiana’s low average annual premium of $1,013 makes it the 45th most-expensive state in the country. That’s not too shabby! Compared to other states in the region, Hoosiers pay less than folks in Michigan to the north and Kentucky to the south, but Illinois drivers to the west and Ohioans to the east both enjoy cheaper premiums still. For drivers looking to maximize Indiana car insurance savings, is the place to go!