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.
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7/21/2021
The agent Cameron who assisted me, was one of the most pleasant & genuine agents I've had the pleasure of working with. He was very knowledgeable and represented his company to the fullest.
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4/06/2023
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3/29/2023
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10/21/2021
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7/21/2021
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8/21/2021
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10/11/2023
Every phone call to A+ is amazing. I love all the ladies I have talked with. Crystal is a superstar. Lauren is wonderful, Amy is outstanding, and I forget the other lady ( aka mom) wonderful. Wonderful company, great customer service! So very pleased with A+, I recommend them to anyone that asks and those that don't.
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7/21/2020
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8/21/2021
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8/14/2022
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7/21/2020
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11/28/2022
Notes: Single resident, age 42. Looking for a bargain on immediate renters insurance policies VA Prior insurance Acceptance. Auto Insurance on Honda to follow shortly.
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7/20/2022
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7/21/2020
Marlon went above and beyond to get me some coverage for a new car very last minute, stayed later than he should have to help me, and found a car insurance policy for me extremely fast. He’s also a really nice person. Great service, and recommended me coverage best for me.
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7/21/2021
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7/21/2021
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5/09/2023
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Love G.
12/22/2023
That was the easiest inquiry about car insurance. I had a quote and was insured almost immediately. I was dreading trying to find insurance, but to my surprise the agent was very informative I had a great conversation with Katie. Definitely would recommend this business to anyone.
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7/21/2021
Very helpful staff!
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JOHN O.
7/21/2020
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.
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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
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Insurance rating factors: Non Owners, SR22 filing, minor ticket
