Indiana Auto Insurance

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Drivers all across the Hoosier State must abide by the same Indiana auto insurance requirements, so finding the best cheap policy in the state is actually easier than you think. Whether your vehicle is registered in Mishawaka, Clarksville, Anderson, New Albany, Greenwood, East Chicago, Gary, Bloomington or another city within the state’s borders, getting adequate Indiana auto insurance is a must.

To meet Indiana auto insurance coverage requirements, you’ll need to maintain adequate bodily injury liability, property damage, uninsured motorist and underinsured motorist coverage. These legal state minimums are some of the highest in the country and failure to maintain them could result in heavy fines, license suspension and other legal ramifications.

At Clovered, our team of licensed agents is always available to take your calls, answer any questions you may have and find the best Indiana auto insurance that meets your coverage needs — and your wallet’s.

Indiana Auto Insurance Coverage Requirements

As a major corridor, Indiana houses conjunctions of interstates and highways that run east to west and north to south. Since there are so many drivers navigating Interstates 70, 65, 74 and 69 the streets are packed from Indianapolis up to Gary and down to Evansville.

Since there’s such an influx of out-of-state drivers, the Indiana state minimum auto insurance requirements are a bit more stringent. This helps protect you and the other drivers on the road, especially if they’re coming from a state with lesser auto minimum requirements.

  • Bodily Injury Liability: $25,000 per person, $50,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Uninsured Motorist Bodily Injury: $25,000 per person, $50,000 per accident
  • Uninsured Motorist Property Damage: $25,000 per accident
  • Underinsured Motorist Bodily Injury: $50,000 per person, $50,000 per accident

What Does Indiana Auto Insurance Cover?

Property Damage Liability

This coverage helps pay to repair the damage you directly cause to another person’s vehicle or their property if you’re at fault. It’s required by law in most states.

Collision Coverage

This coverage helps pay to repair damage to your vehicle if you’re at fault in an accident that involves another vehicle or piece of property. It’s required if you’re financing or leasing your vehicle.

Comprehensive Coverage

This coverage helps pay to repair or replace your vehicle if it was stolen or damaged by something other than a collision, like a hailstorm, tree, fire or vandalism.

Bodily Injury Liability

If you’re at fault in an accident that injures a passenger of another car or pedestrian, this coverage will help to pay their medical bills, legal fees and loss of income.

Personal Injury Protection

Whether you’re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger’s medical bills. Some states make this coverage mandatory.

Medical Payments

This is similar to PIP coverage in that it may help to pay for the medical bills of you and your passenger if you’re involved in an accident, whether you’re at fault or not. It’s different because MedPay is always optional.

Gap Coverage

If your vehicle is totaled in an accident, guaranteed asset protection (GAP) coverage helps to pay the difference between your vehicle’s current worth and what you still owe on your auto loan.

Towing & Labor

An optional coverage, towing and labor may be added to your auto insurance policy to get you out of binds. This pays for a tow truck to pick up your vehicle and take it to the nearest repair shop.

Rental Car

You may add rental car coverage that pays for a rental car while your vehicle is in the shop. But nearly every auto policy also covers the vehicle and passengers when you’re driving a rental car.

Uninsured Motorist

This coverage is within your own auto policy and helps to pay for repairs to your vehicle or for your medical bills if a driver who’s at fault doesn’t have auto insurance.

Underinsured Motorist

This coverage is also within your own auto policy, helping to supplement the remaining expenses to repair your vehicle and pay your medical bills if the other driver doesn’t have sufficient coverage.

How to Get Cheap Auto Insurance Indiana

On average, auto insurance costs are much lower in Indiana than in the rest of the country. A liability coverage policy will typically set you back just around $675 per year, a cool $225 less than many other states in the country.

But just because Indiana auto insurance is already well below the national average, that doesn’t mean you have to settle for those prices. At Clovered, we partner with some of the best auto insurance companies in Indiana to find people like you at lower rates.

To get a quote for auto insurance in Indiana, simply call one of our many licensed agents at Clovered and we’ll run the prices, quotes and coverage amounts for you. Once we find a policy that fits your needs and your budget requirements, it’ll go into effect immediately!

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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.