Required Liability Coverage: $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident
Indiana Insurance Requirements
In each State across America, drivers will need to hold their States minimum requirements for auto insurance.
Indiana requires drivers to meet their State minimum limit for liability. However, other states will require liability with uninsured motorist or liability with personal injury protection.
In Indiana, Insured Drivers are Required to Hold a Liability Limit of: 25 / 50 / 25
Bodily Injury for One Individual
Bodily Injury for Multiple Individuals
Property Damage
$25,000
$50,000
$25,000
Liability insurance is proof of insurance that you are financially responsible to cover the expenses of an accident that you were found guilty in causing. It will cover up to the amount on your policy for any payments of bodily injury to the other party or any damaged property.
However, once the insurance carrier has met those limits, any remaining costs will need to be paid out of pocket. For example, if you caused a crash and property damage was valued at $35,000, then you would need to pay the remaining $10,000.
Therefore, it is always encouraged to increase you liability limits since most accidents will be of higher value than what the State requires.
What if I Want to be Protected in an Accident I Caused?
Great question! This is where you have the option to add full coverage onto your auto policy! We will discuss full coverage insurance in the next section.
Motorcycles, RVs, ATVs, life insurance, you name it…we can help!
Full Coverage Auto Insurance Indiana
Getting a hold of cheap full coverage car insurance Indiana is easy when working with our A Plus Agents!
Full coverage car insurance consists of two components known as Comprehensive and Collision.
Comprehensive Coverage will cover any cost in repairs for your vehicle if it has been damaged due to any external factors such as: a tree falling, fire, flood, theft, a deer hitting the car, or vandalism.
Collision Coverage will cover any costs in damage done to your car when colliding with another vehicle or object, whether you car was actively moving or if it was parked.
With full coverage, you have the choice of what you want your deductible limit to be. Typically, deductible limits are either $500 or $1,000. This will need to be paid first before comprehensive or collision coverage will kick in.
If you are wanting to get the cheapest full coverage car insurance Indiana policy, we would recommend choosing a higher deductible amount. The reason for this, is that insurance carriers will view you, the insured, as taking on more financial responsibility, which in turn, they will lower your premium cost.
Average Full Coverage Rates Indiana
If you are wondering on average what full coverage insurance can look like per month, we have listed some insurance carriers along with their average rates in a chart below:
Carriers
Average Rate
National General
$120
State Farm
$146
Progressive Insurance
$149
Travelers
$150
Allstate
$151
Mendota Ins. Company
$151
American Family
$154
The General
$154
AssuranceAmerica
$155
Nationwide
$158
GAINSCO
$160
Bristol West
$169
Geico
$169
21st Century
$171
Acceptance RTR
$173
Cheapest Full Coverage Car Insurance Indiana
Do keep in mind, this is an average estimate for a full coverage auto insurance Indiana policy. Many factors will play into the total cost of what full coverage insurance will cost for you.
Factors can include but are not limited to:
Factors in Which can Alter Your Full Coverage Rates
Age
Gender
Driving History / Driving Violations
Vehicle Make / Model
Location
When discussing your quote with an agent, they will discuss these factors with you. If you are wanting to see about lowering your quote, be sure to ask about what discounts you may qualify for with your agent!
Get a Cheap Full Coverage Indiana Quote
Get started on a free quote for full coverage with our agents through call, text, or email.
Finding affordable full coverage should be easy and hassle free, that’s why we will do the shopping for you to help find you the best rate for a cheap full coverage car insurance Indiana policy! Our Agents are available to help answer any questions or concerns you may have.
Katie is the best ! Knowledgeable, Helpful and Fast
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Dion M.
7/21/2021
Over priced
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Beth B.
12/08/2022
Crystal is awesome, she checked multiple insurance companies and found me the best deal, she saved me over $150 per month. I have been a client of A+ Insurance for 18 years and I love their personalized services
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Fred L.
12/07/2022
Justin was a allstar I told her I that I hate phone calls like these and since COVID-19 everything on the customer service side of things where completely terrible….she gives me hope this can get better she was always asking if I need help she waited on the phone till I received and read everything she was kind and had a lot of information to offer no more I could ask for
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7/21/2021
Thanks for the awesome help today will highly recommend:)
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10/11/2023
Easy peezy to get my insurance started. Great rate!!!!! The rep, Ms. Crystal Farley was very helpful, friendly and down to earth.
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7/21/2021
Great job 👍
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11/17/2023
I went direct to the insurance company and then to A Plus Insurance and they were able to save me $70+ a month. Rates can't be beat. Alexandra was personable and very well informed. She was able to explain everything to me and made the buying process an enjoyable experience.
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1/10/2023
I filled out an online request to compare quotes and Katie quickly contacted me and secured a low rate for my auto insurance. I'm very pleased with the professionalism and courtesy provided by my insurance broker.
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7/21/2021
I have used this company for a long time and I couldn't ask for a better insurance lady. I rate 10/10 recommend Chrystal
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Coleson
3/01/2023
CalmVery PatientPoliteMade it easy
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7/21/2021
I've always gone through A Plus Insurance. I highly recommend their services, very friendly and professional.
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7/21/2021
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9/18/2023
Left a voicemail sunday evening and received a call the next morning. The whole process took a painless 20 minutes. I got an excellent rate even with a couple tickets still on my 3-year record. Great service.
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Patrick G.
7/21/2021
Notes:
single Female 29 value Quality motorcycle insurance uninsured UT Prior insurance Liberty Mutual Hyundai
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5/21/2022
Alexis at A Plus Insurance is an amazingly friendly and very customer-service focused representative of your company. She was extremely thorough in wanting to understand my inquiries and she ensured all of my questions were answered in a timely manner. She even made an extra effort to call me back and confirm I received all of the information I had requested. Alexis made me feel like I was her number one concern and didn't rush our conversation. Alexis is a definite "keeper" for your agency. Many, many thanks to Alexis and your insurance agency for helping fulfill our insurance needs! p.s. Marlon, another employee of your company also extended me very similar courtesies. He is a "keeper" too! ~ Heather Forbes
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Heather F.
12/09/2022
Katie was amazing!! She was very professional and helpful helping me with my business insurance as well as home and auto. Been doing business with them for many years and will continue due to high quality of service, great rates and professionalism. Thanks Katie, you rock!!!
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8/18/2021
Got me started with new auto insurance immediately saved me alot of money.
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7/21/2020
Marlan is the best. He found me a great Rate
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3/04/2023
My agent, Katie, was so patient and understanding with me while I took forever getting documents together for my quote- she really went out of her way to accommodate me. I look forward to working with her in the future, especially if this is the type of service I can expect!
Notes: single Female 21 looking to find quick motorcycle insurance online with immediate insurance ID Card Michigan Prior insurance Foremost Mitsubishi
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6/21/2022
Jola, the insurance agent, went the extra mile at all times. It took many days and phone calls to make my policy happen. I don't know if I could have had her patience. Kudos to you Jola!!! You're A Plus.
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Mary M.
12/21/2021
Katie is amazing, it was super quick and easy!
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Angela C.
10/21/2021
Notes: first time Young driver 20 get quick liability car insurance some prior Ticket AZ Prior insurance: The General Kia Optima
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7/07/2022
I spent almost all day trying to get the right insurance coverage with the right price until I found Cameron he's such. A life saver very respectful courtese and just all about your needs you know what a gentle men I really really like Camerons work I give him ten stars excellent costumer service skills bravo Cameron keep up the good work way to go bro......thanx again , Your recent costumer Diana Cancino
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Diana C.
10/03/2023
Additional Helpful Links
For personalized advice and a free quote, call us at 1.888.445.2793.
What Does Full Coverage Car Insurance Include in Indiana?
In Indiana, full coverage car insurance typically includes liability coverage, collision coverage, and comprehensive coverage. This combination helps cover costs associated with car accidents, theft, and other damages. It’s important to note that ‘full coverage’ isn’t a specific policy, but a combination of coverage types.
How Can I Find Cheap Full Coverage Car Insurance in Indiana?
To find cheap full coverage car insurance in Indiana, it’s recommended to compare quotes from multiple insurers, consider raising your deductibles, maintain a good driving record, and look for discounts such as multi-policy discounts, good driver discounts, and others. Each insurance company assesses risk differently, so shopping around is key.
Are There Specific Discounts for Full Coverage Car Insurance in Indiana?
Yes, many insurers in Indiana offer discounts that can apply to full coverage car insurance. These can include safe driver discounts, multi-car and multi-policy discounts, discounts for anti-theft devices, and discounts for completing defensive driving courses. It’s beneficial to inquire with your insurer about specific discounts you may qualify for.
How much is full coverage insurance in Indiana?
The cost of full coverage insurance in Indiana can vary widely depending on several factors, including your driving history, the type of vehicle you own, your location within Indiana, and the coverage limits you choose. To get an accurate quote and find the best rates for full coverage insurance in Indiana, please contact our team at 1.888.445.2793. Our experienced agents can provide you with personalized guidance and a customized insurance quote tailored to your needs.
Here’s What Our Clients Say About Us
Customer service was outstanding
Insurance rating factors: Non Owners, SR22 filing, minor ticket
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Rudell D.
notes: single male 53 purchase immediate non owners policy GA Prior insurance Safeway Lincoln
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Ben G.
Very Professional and got the job done quick!I worked with Marlon Moss. Thank you for the great service.
Notes: married renter, 34 investment quick non owners now Virginia Prior insurance Diaryland No vehicle listed