- Indiana Auto Insurance: All About Liability Insurance in Indiana
- indiana liability insurance- What are the State Minimum Requirements?
- Is Indiana a No-Fault State?
- Indiana liability insurance How to find Cheap Liability Insurance
- Indiana Liability Insurance: Non-Owners & Broadform
- Is Indiana Liability Insurance Enough?
- "Should I Get Full Coverage" Calculator
- Indiana Liability Insurance Cost For Liability Only
- Indiana Liability Insurance Who Has The Lowest Liability Price
- Indiana Liability Insurance: Should I Upgrade To Full Coverage?
- What does Indiana Liability Insurance cover?
- How can A Plus Insurance help me find affordable Indiana Liability Insurance?
- Questions about Indiana Liability Insurance? Call us at 1.888.445.2793.
- INSURANCE SERVICES WE OFFER
- OTHER HELPFUL GUIDES TO INSURANCE IN INDIANA
indiana liability insurance- What are the State Minimum Requirements?
Indiana liability insurance must meet the requirements set by the state. Per the states requirements, you are supposed to have $25,000 per person, $50,000 per accident and $25,000 for property damages. This will cover the other person if you are the one responsible for causing the accidnent.
The state also requires that you maintain the uninsured motorist bodily injury liability at the same limit, $25,000 per person, $50,000 per accident.
It is important to maintain at least the minimum requirements of liability car insurance in Indiana so that way if you are pulled over, in an accident, or even need to register your vehicle, you are ready.
| Indiana State Minimum Liability Insurance 25/50/25 | Required |
| Uninsured BI & PD Protection | Required |
| Underinsured Motorist BI & PD Protection | Not Required |
| Medical Payments to you and others in your vehicle | Not Required |
| Comprehensive & Collison | Not Required |
Is Indiana a No-Fault State?
When you are in an accident, you want to ensure that you and your passengers, plus your vehicle, are covered with the proper insurance.
Indiana is NOT a no-fault state. It is considered an “at-fault” state.
This means that liability must be established, and whichever driver causes the accident will use their insurance to pay for the person they have hurt or the vehicle they have damaged.
Insurance companies in Indiana will work with the police to gather the available evidence to decide who will be the person at fault for the accident. I
Indiana liability insurance How to find Cheap Liability Insurance
As you search for your auto insurance, make sure to shop your rates thoroughly to ensure you have proper coverage and cheap insurance.
A great way to start looking for cheap auto insurance in Indiana is to get a broker to do some work for you.
They are able to search several insurance companies at once while providing you with the best rate, with the best coverage.
A minimum liability insurance policy is one that will meet the state requirements, BUT, it will be the cheapest form of insurance if you are concerned about your budget.
Indiana Liability Insurance: Non-Owners & Broadform
There are a number of reasons why a person might choose to only have the minimum requirements on their auto insurance policy.
One possible reason for only needing liability only is if you don’t own a vehicle and barely drive.
If this is the case, you could benefit from having a broad form or now owner’s policy, both of which will only let you have liability coverage.
Many people searching for the cheapest option of minimum insurance coverage should consider one of these policies.
| Non-Owners or Broad form Insurance Company | Average Monthly Rate |
|---|---|
| Dairyland | $101 |
| Progressive Insurance | $111 |
| The General | $113 |
| Bristol West | $133 |
| Mendota Ins. Company | $161 |
| Geico | $175 |
| State Farm | $203 |
| Allstate | $221 |
| Acceptance RTR | $231 |
Is Indiana Liability Insurance Enough?
There might be reasons why liability insurance only might not be enough.
For example, if you have a lienholder on a vehicle you purchased, they most likely require you to have full coverage or at least comprehensive and collision on your policy.
If you want to upgrade your policy to full coverage, check out our calculator below. It might be worth looking into.
“Should I Get Full Coverage” Calculator
Indiana Liability Insurance Cost For Liability Only
| City | Price |
|---|---|
| Valparaiso | $90.00 |
| Avon | $110.00 |
| Dyer | $91.00 |
| Schererville | $103.00 |
| Shelbyville | $96.00 |
| Peru | $89.00 |
| Vincennes | $95.00 |
| Jeffersonville | $99.00 |
| Hobart | $106.00 |
| Highland | $107.00 |
| Crown Point | $96.00 |
| Muncie | $110.00 |
| Elkhart | $104.00 |
| Greenfield | $90.00 |
| La Porte | $90.00 |
| Kokomo | $110.00 |
| Portage | $110.00 |
| Beech Grove | $93.00 |
| West Lafayette | $94.00 |
| Evansville | $97.00 |
| Frankfort | $94.00 |
| Crawfordsville | $88.00 |
| Plainfield | $103.00 |
| Logansport | $105.00 |
| Munster | $93.00 |
| Bloomington | $105.00 |
| Cedar Lake | $92.00 |
| Hammond | $101.00 |
| Greenwood | $86.00 |
| Lawrence | $100.00 |
| Washington | $110.00 |
| Zionsville | $96.00 |
| Merrillville | $101.00 |
| Huntington | $92.00 |
| Clarksville | $106.00 |
| Jasper | $96.00 |
| Richmond | $103.00 |
| Lafayette | $100.00 |
| East Chicago | $109.00 |
| Lake Station | $88.00 |
| New Albany | $99.00 |
| Martinsville | $102.00 |
| Madison | $97.00 |
| Terre Haute | $92.00 |
| Warsaw | $97.00 |
| Granger | $101.00 |
| Columbus | $91.00 |
| South Bend | $89.00 |
| Michigan City | $101.00 |
| Brownsburg | $87.00 |
| Goshen | $106.00 |
| Griffith | $95.00 |
| Gary | $90.00 |
| Auburn | $94.00 |
| Chesterton | $88.00 |
| Marion | $96.00 |
| St. John | $86.00 |
| Connersville | $110.00 |
| Seymour | $109.00 |
Indiana Liability Insurance Who Has The Lowest Liability Price
| City | Company |
|---|---|
| Beech Grove | Progressive |
| Schererville | Bristol West |
| Madison | Geico |
| Plainfield | National General |
| Noblesville | Progressive |
| Avon | National General |
| Dyer | Progressive |
| Granger | Progressive |
| Zionsville | Liberty Mutual |
| Crown Point | Progressive |
| Yorktown | The General |
| East Chicago | Dairyland* |
| Westfield | Progressive |
| New Haven | The General |
| Anderson | Progressive |
| Connersville | Geico |
| Carmel | Progressive |
| Huntington | Geico |
| Richmond | Progressive |
| Speedway | Geico |
| Fishers | Bristol West |
| Munster | Dairyland* |
| Muncie | Progressive |
| La Porte | The General |
| New Albany | The General |
| Griffith | Progressive |
| Franklin | The General |
| Evansville | Liberty Mutual |
| Hobart | Progressive |
| Valparaiso | Dairyland* |
| Columbus | Geico |
| Fort Wayne | Progressive |
| Chesterton | The General |
| Frankfort | Progressive |
| Marion | The General |
| Vincennes | Geico |
| Lafayette | Progressive |
| Greenfield | Progressive |
| Cedar Lake | Geico |
| Warsaw | Geico |
| Crawfordsville | The General |
| Logansport | Liberty Mutual |
| Bedford | National General |
| Auburn | Progressive |
| Shelbyville | Liberty Mutual |
| Lawrence | Geico |
| Lebanon | Geico |
| Goshen | The General |
| Clarksville | Dairyland* |
| Portage | Farmers |
| Gary | Geico |
| Highland | Progressive |
| Peru | Progressive |
| Kokomo | Geico |
| Greenwood | Progressive |
| Michigan City | Bristol West |
| Greensburg | Progressive |
| Jasper | Progressive |
| Mishawaka | Dairyland* |
| Washington | Geico |
| West Lafayette | Liberty Mutual |
| Jeffersonville | The General |
| Terre Haute | Dairyland* |
| South Bend | Progressive |
| New Castle | Progressive |
| Hammond | Progressive |
| Lake Station | Geico |
| Elkhart | Bristol West |
| Bloomington | Dairyland* |
Indiana Liability Insurance: Should I Upgrade To Full Coverage?
| City | Price |
|---|---|
| Bloomington | $177 |
| Franklin | $164 |
| St. John | $180 |
| Michigan City | $163 |
| Anderson | $172 |
| Mishawaka | $156 |
| Merrillville | $151 |
| Terre Haute | $153 |
| Lafayette | $172 |
| Schererville | $160 |
| Washington | $146 |
| Fishers | $172 |
| Logansport | $179 |
| South Bend | $152 |
| New Haven | $175 |
| Portage | $158 |
| Zionsville | $179 |
| Evansville | $177 |
| Greenfield | $181 |
| Westfield | $150 |
| Avon | $173 |
| Yorktown | $166 |
| Elkhart | $155 |
| Cedar Lake | $148 |
| New Albany | $149 |
| Frankfort | $150 |
| Madison | $168 |
| New Castle | $153 |
| West Lafayette | $172 |
| Lebanon | $173 |
| Vincennes | $153 |
| Lawrence | $147 |
| Hammond | $150 |
| Jasper | $163 |
| Marion | $154 |
| Fort Wayne | $159 |
| Huntington | $153 |
| Chesterton | $161 |
| Bedford | $172 |
| Noblesville | $168 |
| La Porte | $175 |
| Granger | $148 |
| Highland | $168 |
| Clarksville | $166 |
| Gary | $171 |
| Greenwood | $165 |
| East Chicago | $161 |
| Lake Station | $161 |
| Muncie | $167 |
| Speedway | $149 |
| Brownsburg | $167 |
| Seymour | $159 |
| Munster | $164 |
| Greensburg | $149 |
| Jeffersonville | $158 |
| Hobart | $161 |
| Crawfordsville | $150 |
| Warsaw | $159 |
| Griffith | $167 |
| Martinsville | $169 |
| Shelbyville | $168 |
| Beech Grove | $148 |
| Dyer | $166 |
| Crown Point | $164 |
| Kokomo | $158 |
What does Indiana Liability Insurance cover?
Indiana Liability Insurance typically covers bodily injury and property damage that you may cause to others in an accident. It’s a legal requirement in Indiana to have a minimum amount of liability coverage. A Plus Insurance can guide you through the coverage details.
How can A Plus Insurance help me find affordable Indiana Liability Insurance?
A Plus Insurance shops multiple carriers to find you the most affordable Indiana Liability Insurance rates. Our team compares options to ensure you get the coverage you need at the best rates available in the market.
Questions about Indiana Liability Insurance? Call us at 1.888.445.2793.
If you have specific questions or need assistance with Indiana Liability Insurance, call us at 1.888.445.2793. Our dedicated team is ready to provide expert guidance and support tailored to your insurance needs.
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Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
OTHER HELPFUL GUIDES TO INSURANCE IN INDIANA
Last Updated on by Alexis Karapiperis