|The General Insurance||$89 /mo|
How to Get Cheap Car Insurance in Indiana?
Auto insurance is not much expensive in Indiana as compared to the other states. Still, it is difficult to afford for common citizens. Hence our team tries to provide the most affordable rates in their cities across Indiana.
We have created a list of all the companies with the cheapest minimum coverage in Indiana. Below are the top 5 Indiana auto insurance carriers with rates that are affordable for every driver:
Which are the Best Car Insurance Companies in Indiana?
We at Rateforce understand the difference between the best company and a cheap can insurance company. Hence for all those drivers who want the best car insurance deals for them, we have the list. To provide you the perfect list of all the top companies in Indian we have analyzed each company in the state. The analysis was based on factors like the reviews of the customers, reliability, and health of the company.
So now after our analysis here are the top auto insurance companies in Indiana that have the best deal services:
|The General Insurance||$89 /mo|
How To Get Best Car Insurance Coverage in Indiana?
Minimum Car Insurance Requirements in Indiana
If you want to drive your vehicle in any state of the country, you will have to follow the laws. And one of the basic laws of driving in the USA is to get the minimum insurance as per the requirements. Every state has its own minimum insurance requirements and the same goes for Indians. Below is the minimum auto insurance coverage that every driver need to drive in Indiana:
- Bodily Injury Liability (BIL) Coverage:
When a driver is at fault in an accident then he or she will have to pay for all the medical expenses of the victim. These medical expenses are referred to as bodily injury liability coverage. Each state has a predefined BIL limit for every driver and its passengers. In Indiana below are the bodily injury coverage:
$25,000 per person for all the medical expenses of the driver. and
The second is; $50,000 per accident for all the medical expenses of the driver and the passengers.
- Property Damage Liability(PDL) Coverage:
This is another compulsory coverage for every driver of the state. This is to cover all the repair expenses of the victim if you are at fault in the accident. If the private property of another person is damaged because of you then you will have to pay for the repair expenses. This includes the fence, garden, wall, and vehicle of the victim. So the minimum required property damage liability coverage for Indian drivers is $25,000 per accident.
When a driver is at fault in an accident then he or she will have to pay for all the medical expenses of the victim. These medical expenses are referred to as bodily injury liability (BIL) coverage. Each state has a predefined BIL limit for every driver and its passengers. In Indiana below are the bodily injury coverage:
- Uninsured motorist bodily Injury: Minimum of $25,000 per person and $50,000 per accident
- Uninsured motorist property damage: Minimum of $25,000 per accident*
- Underinsured motorist bodily injury: Minimum of $50,000 per person and $50,000 per accident*
*Uninsured and Underinsured Motorist coverages can be rejected in writing
Cheap State Minimum Coverage in Indiana
Here is the list of best companies that provide the lowest average rates to drivers for state minimum insurance coverage in Indiana:
- Safe Auto: $52 per month
- Assurance America: $59 per month
- The General Insurance: $89 per month
- Travelers: $125 per month
Cheapest Basic Full Insurance Coverage in Indiana
Here is the list of top insurance companies that provide the lowest average rates to drivers for our unique basic full insurance coverage in Indiana. It includes collision and comprehensive auto insurance coverage apart from state minimum auto insurance coverage.
- Safe Auto: $58 per month
- Assurance America: $88 per month
- Travelers: $190 per month
- The General Insurance: $197 per month
Cheap Premium Full Insurance Coverage in Indiana
Here is the list of top auto insurance carriers that provide the cheapest full coverage in Indiana. This covers all coverages as defined by state law in full coverage requirements with maximum benefits. Drivers with a clean driving record may consider this option.
- Safe Auto: $64 per month
- Assurance America: $91 per month
- Travelers: $199 per month
- The General Insurance: $217 per month
Additional Auto Insurance Coverage in Indiana:
The mandatory insurance coverage for all drivers is included in the minimum requirement coverage. However, there are some insurance coverages that are not required but are still necessary to save money. The top seven types of insurance coverages that every driver should think about are as follows:
- Collision Coverage:
Collision insurance covers your vehicle in the event that it collides with another object, living or non-living. If your car collides with a tree, fence, building, or pedestrian, for example. Your insurance company will cover all car repair costs in such cases.
- Comprehensive Coverage:
If your car is ever involved in a natural or man-made disaster, your insurance company will help you. Thunderstorms, fires, floods, and even vandalism are all possibilities. In the event of a disaster, you will be fully covered for all necessary car repairs.
- Roadside Assistance:
What will you do if your car breaks down while travelling on a highway or a deserted road? You can contact your insurance company, and they will send help right away. The insurance company will cover all costs associated with towing and repairing the vehicle.
- Medical/Funeral Services:
This type of insurance is necessary for medical services such as summoning an ambulance or transporting a deceased person. Furthermore, the company will pay for the driver’s funeral and will cover all expenses.
- Loan/Lease Payoff:
When your car is totaled in an accident, this type of insurance coverage is essential. If you still owe money on a loan or lease, your insurance company will assist you in repaying it. The pending loan or lease amount will be paid by the company.
- Rental Car Reimbursement:
This is an optional type that is not overly costly and can cost hundreds of dollars. You can rent another car while your car is being repaired. And the insurance company will cover all of the costs of renting a car.
Cheap Car Insurance Quotes in Indiana on Ticket Profile
The final car insurance rates for any driver are dependent on a lot of factors. Based on all these factors insurance companies create some ticket profiles. These ticket profiles always get higher or lower auto insurance rates as compared to all the common drivers. Here are the top popular ticket profiles in Indiana:
Cheap Car Insurance for Young Drivers in Indiana
Did You Know – In 2018 more than 250 people died in a fatal car accident that involved a teen driver. Young drivers or commonly known as teen drivers always get the highest car insurance rates. The reason behind this is; young drivers are considered the riskiest drivers due to lack of experience. As a result; all the auto insurance companies provide higher insurance rates to teen drivers.
The best way to get cheap car insurance for young drivers is to ask for a student discount. All the teen drivers who have an average grade of B or higher can apply for the student discount. Moreover; the Indiana government has banned considering the gender of the drivers as a factor to calculate the auto insurance rates. Below are the top companies in Indiana that can provide the cheapest car insurance for teen drivers.
|State Farm||$167 /mo|
|American Family||$76 /mo|
|State Farm||$97 /mo|
Cheapest Car Insurance for Drivers with a DUI in Indiana
As per CDC state transportation safety report of Indiana; 2,068 people were killed in crashes involving an alcohol-impaired driver in Indiana from 2009-2018. Such drivers endanger not only their passengers, but also other motorists and pedestrians. As a result, DUI drivers are always consider as high risk drivers and insurance rates for risky drivers are always high.
The driver with DUI can try to apply for a fallout but the process is very long and expensive. It involves court fines, SR-22 filing, reinstatement fees, etc.
The major problem for every driver is the increase in the car insurance cost by every company. The struggle to find affordable auto insurance is common for each driver with DUI in every state. Here are the top companies in Indiana that provide the cheapest car insurance rates for DUI drivers:
Cheap Car Insurance for Speeding Drivers in Indiana
Yes, we know that a speeding vehicle is thrilling for some of us but it is also dangerous for everyone else. In 2018; 26 percent of all the traffic fatalities were related to speeding drivers. And hence all the insurance companies consider speeding drivers as risky and provide higher insurance costs.
Whenever a driver is caught while speeding, he or she gets some points on the driving record. These points are based on the speed of the vehicle at the time he or she was caught by an officer. Based on these points the insurance company decides how much the insurance rate increases. Now here are the top Indiana auto insurance companies that will provide you the cheapest rates:
|State Farm||$60 /mo|
|Safe Auto||$80 /mo|
|Assurance America||$105 /mo|
|State Farm||$105 /mo|
|Safe Auto||$125 /mo|
|Indiana Farmers||$127 /mo|
|Cincinnati Insurance||$152 /mo|
Cheap IN Car Insurance Rates for Drivers with an At-Fault Accident
No one can forget the anxiety, guilt, and stress after an at-fault accident. And the worst part is the increase in car insurance rates for the next few years. An at-fault driver is also considered one of the riskiest drivers. As a result; most insurance companies double the premium amount.
Drivers with at-fault history can try to ask for forgiveness but the application process is complex and long. The best option for the drivers in this ticket profile is to get quotes from different companies and compare those quotes. Below are the best auto insurance companies in IN that have the cheapest rates for at-fault drivers:
Best Auto Insurance for Good Drivers in IN
Drivers with clean driving records and experience of driving on the roads of the country are considered as good drivers. A good driver always gets lower car insurance rates as compared to all the other drivers and ticket profiles. So if your age is more than 40 years and you have a clean driving record then you can try for this profile.
Don’t forget to ask your insurance company even if they forget to mention it. Here are the cheapest cat insurance rates for the good drivers in Indiana:
|Safe Auto||$44 /mo|
|The General Insurance||$89 /mo|
Cheapest Coverage for Drivers with Poor Credit in Indiana
Car insurance companies use the history and data points of the drivers to check their credit scores. Credit scores help the companies predict if the driver is reliable and responsible to pay the premium on time. Moreover; most insurance companies believe that drivers with poor credit scores file more claims.
So if you have a bad credit score and you are looking for affordable car insurance then the best way is to ask for discounts and compare the rates. Below are the top auto insurance companies that can provide cheaper rates as compared to the others:
Which Car Insurance Discounts are available in Indiana?
The easiest way to get affordable car insurance in Indiana is to get as many discounts as possible. Every company provides different types of discounts for car drivers. Here are the four most common discounts you can ask from any car insurance company:
Upfront Payment Discount:
Your insurance company will give you a good discount if you pay your annual premium in advance. Advance payment is preferred by every car insurance company. They reward the driver in order to promote this payment model. As a result, if you are financially capable of paying the annual premium in advance, you will receive a significant discount.
Safety Features Discount:
The driver, passengers, and the vehicle are all safer thanks to the safety features in the cars. As a result, the likelihood of accidents and injuries decreases, resulting in the driver filing fewer claims. You can get this discount if your car has features like automatic seat belts, anti-theft car alarms, and so on.
Multiple Vehicles Discount:
Do you own multiple vehicles and require coverage for all of them? Then your insurance company will try to persuade you to buy a policy from them for all of your vehicles. As a result, they will offer reasonable discounted rates; be sure to haggle as much as possible for this discount.
Multiple Policy Discount:
If you already have a car insurance policy and need additional coverage, you may qualify for this type of discount. It could be homeowner’s insurance, life insurance, or any other type of coverage. Your insurance company will try to persuade you to purchase all of your policies from them. As a result, you will receive substantial discounts.
SR-22 Car Insurance in Indiana State
SR-22 auto insurance is necessary for all the drivers whose license has been suspended. The reason behind suspension can be too many violations, drunk and drive, hit and run, or an at-fault accident. Applying for an SR-22 form is easy and cheap, it is only for $50 but getting SR-22 insurance is difficult and expensive.
In Indiana, a driver is required to carry the SR-22 insurance for at least 3 years. That means you will get higher car insurance rates for the next three years. Below are the top insurance companies you can try to get a cheaper SR-22 insurance premium:
|Company||Average Annual Rate||Annual Average Premium with SR-22 and DUI|
Best Cities for Cheap Car Insurance in Indiana
Did you know the location of the driver is one of the most important factors in deciding the car insurance rates? Yes, the state, city, and the zip code of the driver plays a very important role in car insurance premium. Every auto insurance company checks the location of the driver for different factors. These factors include the crime rate of the city, the road conditions of the area, the population of the area, etc. So this is one of the reasons that you and your friend who has the same car model get different insurance rates.
Here is the list of top Indiana cities along with their average auto insurance rates:
|City||Avg. Annual Premium|
FAQs About Car Insurance In Indiana
How to find the cheapest Car insurance in Indiana near me?
The best ways to get auto insurance in indiana near you are:
- Compare the rates: Don’t forget to compare auto insurance rates in indiana from different companies in your area.
- Discounts: Ask for different types of car insurance discounts that apply to your profile.
Is Indiana a no-fault state?
No, Indiana is not a no-fault state. Indiana is an at-fault state, which means the driver who is at-fault will be responsible for the medical and repair expenses. As a result; the insurance company of the at-fault driver will be responsible for the expenses.
How many days my license will be suspended for no insurance in Indiana?
If you ever get caught driving without insurance in Indiana then your license will be suspended for 90 days minimum.
Can I get jail time for driving without auto insurance in Indiana?
Yes, you will get a jail time of up to 60 days and a fine of a maximum of $500 for driving without insurance.
What is the average car insurance rate in Indiana?
The Average Cost of Auto Insurance in IN is $367 for minimum coverage liability and $1291 for full coverage. Here is everything you need to know about the average car insurance cost.
Can my car insurance company cancel my policy?
Yes, each car insurance company has the rights to cancel the policy in the following cases:
- The driver has failed to pay the premium.
- The driver has provided fraudulent information to the company.
- The driving license of the driver is suspended because of any reason.
Which is the cheapest car insurance company in Indiana?
It is difficult and unfair to give the tag to any one company. Because each company has a different way to calculate the insurance cost for every driver. There are a lot of car insurance factors. that one company considers but others avoid. So, instead of one name, we can provide you the top auto insurance companies in Indiana. Progressive, SafeAuto, Nationwide, and The General Insurance are the cheapest auto insurance companies in Indiana.
How to find cheap car insurance near me in Indiana?
The best way to find cheap car insurance in Indiana is to get the rates of top companies from websites like RateForce. All you have to do is provide the basic details like vehicle model, ZIP Code, age, license number, etc. Based on all these details you will get the list of cheap companies in your area.
Editorial Guidelines: The above content is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.