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.
Cheap Full Coverage Car Insurance Indiana
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:
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.
What is the cost for a Non-Owners SR22 Insurance in Indiana? (MALE, SINGLE, 40’s, 80223 DENVER CO)Year/Make Model: NAOwnership Status: NADiscounts: PAPERLESS, AUTOPAY Selected Coverages with MendotaBodily Injury Liability: 25/50Property Damage Liability: 25KUninsured Motorist Coverage: REJECTEDComprehensive and Collision: REJECTEDOther Rejected…
What Is My Neighbor Paying for Their Non-Owners Insurance with SR22 42, Female, Single, Salisburg Indiana)Policy Type: Non-OwnersAdditional Policy Forms: SR22Discounts: Paperless, pay in full Non-Owners SR22 Selected Coverages With DairylandBodily Injury Liability: $25,000 per person/$50,000 per accidentProperty Damage Liability:…
Katie is so kind, professional, patient, and kind....read moreKatie is so kind, professional, patient, and kind. I have other auto insurance policies (state farm, travelers, horace mann) for other vehicles but the experience with A+ is superior.read less
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11/21/2021
Lauren was awesome, cool, collective and to the...read moreLauren was awesome, cool, collective and to the point with all the information I needed to get the process completed aswell as getting me some pretty appealing qoutes.Ty very much!read less
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7/21/2021
Absolutely fantastic, totally helpful, small family business, got...read moreAbsolutely fantastic, totally helpful, small family business, got me a fantastic rate. Jola was my agent and sheβs cool as hecc. Thank u so muchread less
Peter S.
7/21/2020
Marlon was so helpful and such a pleasure...read moreMarlon was so helpful and such a pleasure to speak with!read less
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2/12/2023
Marlon was awesome and helped me get a...read moreMarlon was awesome and helped me get a great rate, great company!read less
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2/08/2023
Marlon went above and beyond to get me...read moreMarlon 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. Heβs also a really nice person. Great service, and recommended me coverage best for me.read less
Zachary W.
10/14/2022
My agent Jola went above and beyond making...read moreMy agent Jola went above and beyond making sure I got the right discounts and switched over from previous (higher premium) plan and made for a smooth transition. Thank you Jola for the best customer service I have gotten since I have moved back to Alaska. πread less
Jewell
7/21/2021
Always friendly and helpful
Chelsie H.
7/21/2021
I have used this company for a long...read moreI have used this company for a long time and I couldn't ask for a better insurance lady. I rate 10/10 recommend Chrystalread less
Coleson
3/01/2023
Jola was professional knowledgeable and very helpful
Steve S.
9/14/2022
AMANDA, AMANDA, AMANDA!!!! A God send this one...read moreAMANDA, AMANDA, AMANDA!!!! A God send this one was!!!! Here I was looking for auto insurance, comparing prices and quotes for 3 days. Not wanting to speak to any agents. Somehow, Amanda calls, I explain, I didn't want to speak to any agents because I wasn't trying to buy anything at the moment I was only looking for quotes. I explained that I already found the cheapest. Rather than try to sell me gimmicks, Amanda ADVISES me on FINANCIAL LAW AND PENALTIES regarding my vehicle. Amanda started to educate me on Colorado law vs Financial law and the requirements. I loved how Amanda broke everything down for me and made everything make sense so my insurance didn't brake my wallet. She advised me to speake with my financial company to ensure I wasn't breaking any rules and reminded me I could always amend my policy if I needed and she would always be there to guide me if I needed her. This made me feel safe!! I knew I was making the right choice not only for my vehicles, but for my family as well as my finances. Thank you Amanda for helping me in my time of need!!read less
Zuriel M.
4/15/2023
5 Star agent
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7/21/2021
CRYSTAL FARLEY. Best in the business. I have...read moreCRYSTAL FARLEY. Best in the business. I have gone through many insurance companies and none of the representatives are as patients and willing to help as much as crystal FARLEY. I am very thankful for such an amazing customer service and the laughs shared through our conversations. You are so amazing and very helpful. We need more crystals in this line of work and I hope and pray you the very best and I WISH YOU GET A BIG RAISE π. very professional and amazing help. Thank you crystalread less
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2/22/2023
Katie was great. No complaints.
Michael X.
7/21/2021
Good communication answered all my questions that I...read moreGood communication answered all my questions that I needed to knowread less
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11/21/2021
I give this company a five star rating...read moreI give this company a five star rating ! The salesman Marlon Moss got me a great rate with a good company . I was very happy with his attitude & demeanor ! Most insurance salesman or just trying to put you in a plan to make a sale not this guy he wanted to make sure I got the coverage I wanted in the way I wanted it and I do greatly appreciate that thank you Marlon!!!πread less
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3/08/2023
Great customer service skills and very effective!!!
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7/21/2021
Jola was extremely helpful and got me the...read moreJola was extremely helpful and got me the lowest quote possible! This was my first time purchasing vehicle insurance and I would do it again as long as I can use A Plus and Jola! Thank you!read less
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7/21/2021
Very helpful...
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7/21/2021
Lauren was a really great help during the...read moreLauren was a really great help during the entire process from beginning to end! Very professional and quick. 10/10 recommend
Notes: Gainsco came in the most competitive for liability only insurance policy in South Carolina - obtaining an online insurance policy with proof of insuranceread less
kaneisha j.
6/21/2022
Price was cool but the insurance I received...read morePrice was cool but the insurance I received is laughable. Had random peoples name on it as insured drivers and it also had my name but I was listed as a non eligible driver on my ID card and 123 years old! I called and inquired and they said it's fine when it's not. I called and attempted to cancel my policy before being charged and they told me they were busy and they'd contact me later that day. Not a single call or form of communication was made and I have been charged for insurance I no longer need and will be charging back. The company isn't a insurance company it's a insurance broker don't get deceived.read less
Edward B.
6/07/2023
They find the cheapest option to fit your...read moreThey find the cheapest option to fit your needs. Its better then calling each company directly burning time.read less
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7/21/2021
Jola did a great job. Friendly, informative and...read moreJola did a great job. Friendly, informative and not pushy.read less