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Best Affordable Auto Insurance in Indiana
Get Free Quotes and Find the Best Coverage

Cheap and affordable Indiana auto insurance is available if you are an informed consumer and you know what type of coverage you need. If you take the time to learn what the state requires as well as to get multiple free quotes from a variety of insurers, you are guaranteed to get the best car insurance policy for your lifestyle. Indiana state law requires all drivers to carry auto insurance that at the very least meets the state's minimum amounts. In accordance with another law passed in 2010, each newly written Indiana auto liability policy must include uninsured and underinsured motorist's coverage unless you reject this in writing. This is essential information to know because in general policy prices will increase since these additional coverages are now required. Conversely if you choose to reject the additional coverage, you can bring down the premium on your policy by hundreds of dollars. The state minimum liability limits are: $25,000 in bodily injury to one person injured or killed in an accident, $50,000 for two or more people, and property damage liability in the amount of $10,000 for any destruction caused by an accident you are at fault for. Under insured motorist and uninsured motorist minimums differ by region and policy, however typically the average is $50,000 worth of coverage. Finding the best and most affordable auto insurance in Indiana can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Indiana. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Hoosier State.

Understanding Indiana's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Indiana one must understand what coverage they need. Indiana does not require Personal Injury Protection (PIP) or protection from uninsured motorists to be a part of your policy, and is not a no-fault state.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Indiana the minimums are 20/40/15. The numbers are in thousands of dollars.

Indiana Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 20/40/15
  • No-Fault State: No
  • Personal Injury Protection Required: No
  • Uninsured Motorist Coverage Required: No
  • Average Liability Cost: $352
  • Average Collision Cost: $246
  • Average Comprehensive Cost: $110
  • Average Cost per Year in Indiana: $618
  • US Average Cost: $795
  • Expense Rank: 42/51

Best Indiana Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/A N/R
N/A 65%
41%
N/R
N/A 53%
37%
40%
55%
N/R
30%
N/A N/R
N/A 48%
65%
N/R
39%
63%
49%
N/A 42%
N/A 55%
34%
N/R
N/A N/R
35%
N/A 23%
42%
N/R
N/A 50%
N/A N/R
N/R
N/A 75%
N/R
34%
33%
N/A 42%
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%