By Alexis Karapiperis | Customer Service Representative at Learnandserve.org | Powered by A Plus Insurance

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.

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.

Should I Get Full Coverage Calculator

If you are unsure about whether full coverage auto insurance Indiana would be a good fit for you and your vehicle, use the calculator below:

Age of Vehicle0 to 2 yrs3 to 6 yrs7 to 10 yrs11 to 14 yrs14+ yrs old

Value of VehicleUnder $750$750 to $2,500$2,501 to $5,500$ 5,501 to $12,500$12,501 +

Monthly premium increase for Full coverageunknownLess than $65$66 to $125$125 and up

Under 6 = Liability / 7 to 9= Consider Full Coverage / 9 += Full Coverage RecommendedAlways talk with an insurance professional to discuss your specific needs.

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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

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.

Additional Helpful Links

Additional Indiana Insurance
Car Insurance | Indiana
Liability Auto Insurance | Indiana
Motorcycle Insurance | Indiana
SR22 Insurance | Indiana
Homeowners Insurance | Indiana

Last Updated on March 28, 2023 by