- Car Insurance
- Auto Insurance by State
- Indiana Car Insurance
Indiana car insurance
Common questions about Indiana
auto insurance
What car insurance is required in Indiana?
In Indiana, it's illegal to drive without insurance. Drivers in Indiana are required to have car insurance coverage for
- Bodily Injury to others
- Property Damage
- Uninsured /Underinsured Motorist Bodily Injury
- Uninsured Property Damage
Here are the minimum auto insurance limits drivers must have in Indiana.2
Coverage | Amount |
|---|---|
| Bodily Injury to others | $25,000 per person and $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
| Uninsured Motorist Bodily Injury Coverage | $25,000 per person and $50,000 per accident |
| Uninsured Property Damage | $25,000 per accident |
| Underinsured Motorists Bodily Injury | $50,000 per accident |
Check out the Indiana Department of Insurance for more details.
What's considered "full coverage" car insurance in Indiana?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of Indiana you're only required to have the state Liability minimums of 25/50/25.
However, “full car insurance” or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
You may also hear about Indiana PLPD insurance. This is just the 2 liability insurance types combined into one.
- PL: Personal Liability (or Bodily Injury Liability)
- PD: Property Damage Liability
As PLPD only covers injuries and damages to others, these wouldn't be considered full coverage.
Don't sacrifice coverage for cheap car insurance. We'll make sure you get the coverage you need at a great price in Indiana! Get an online auto insurance quote today.
Do you need insurance to register a car in Indiana?
Yes, to register your vehicle in the state of Indiana you need car insurance.
In general, to register a vehicle in Indiana you need
- A completed Application for Certificate of Title (Form 205)
- Your Indiana driver's license
- Original vehicle title
- Social Security number
- Proof of vehicle inspection, if necessary
- Payment for titling and registration fees
- Proof of Indiana car insurance
- Proof of residency
What's the average cost of car insurance in Indiana?
The average cost of car insurance in Indiana was $1,6583 in 2024 according to thezebra.com. That's 24% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.
Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Indiana auto insurance with a customized policy, so you only pay for what you need.
What Indiana car insurance coverage is right for you?
All Indiana drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your Indiana car insurance to get the coverage that fits you.
See all of our auto coverage options.
What's the best car insurance in Indiana?
Liberty Mutual knows that everyone has different needs for their Indiana auto insurance. Some may want the cheapest Indiana car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Indiana car insurance, so you only pay for what you need.
Who has the cheapest car insurance in Indiana?
Getting the cheapest car insurance in Indiana may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.
A Liberty Mutual auto insurance policy can cost less than you think.4
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate
Save money with these auto insurance discounts
Great drivers are made, not born. You'll get a discount if your driving history is violation-free.6
Learn more about SavingsThe more cars you insure with Liberty Mutual, the more you can save on your premium.6
Learn about Multi-Car Discounts and moreInstantly receive a 10% discount when you enroll. Complete the program and you could save up to 30% on your policy for safe driving behavior.7
Save with our safe driver program