Indiana Auto Insurance Quotes by Phone
Shopping for auto coverage in Indiana can involve more than comparing a monthly premium. Insure Auto Quotes helps Hoosier drivers begin a phone-based quote search based on their vehicle, location, budget, and coverage needs. Call to connect with a licensed insurance professional and discuss available options.
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Insure Auto Quotes is not an insurance company and does not issue policies or set final rates.
Indiana Minimum Auto Insurance Requirements
Indiana law requires motorists to maintain financial responsibility for vehicles operated on the state’s roadways. For most drivers, this means carrying an auto liability policy with minimum limits of 25/50/25.
$25,000
Bodily injury or death of one person in one accident
$50,000
Bodily injury or death of two or more people in one accident
$25,000
Property damage liability in one accident
These minimum limits help pay for covered injuries or property damage for which an insured driver is legally responsible. They generally do not pay to repair the insured driver’s own vehicle or cover every possible expense resulting from a serious accident.
Newly written Indiana auto liability policies must also include uninsured and underinsured motorist coverage unless the named insured rejects that coverage in writing. The Indiana Department of Insurance lists minimum uninsured motorist bodily-injury limits of $25,000 per person and $50,000 per accident, $25,000 in uninsured motorist property-damage coverage, and $50,000 in underinsured motorist bodily-injury coverage.
Drivers can ask about higher liability and uninsured motorist limits based on their assets, financial situation, and desired protection.
For current state requirements, review the Indiana BMV’s proof of financial responsibility information and the Indiana Department of Insurance auto insurance guide.
Indiana Auto Insurance Coverage Options
Indiana’s minimum liability requirement is only a starting point. Drivers may want to consider additional coverage based on their vehicle, finances, driving habits, and desired level of protection. A lender or leasing company may also require physical-damage coverage while a vehicle is financed or leased.
Uninsured and Underinsured Motorist Coverage
Uninsured motorist coverage may help with covered losses caused by a driver who has no insurance. Underinsured motorist coverage may help when an at-fault driver’s available liability coverage is not sufficient to cover an eligible bodily-injury loss. Indiana policies include this protection when newly written unless it is rejected in writing. Drivers should compare the offered limits, property-damage provisions, exclusions, and applicable deductibles before making a selection.
Collision Coverage
Collision coverage may help pay to repair or replace an insured vehicle following a covered collision or rollover. A deductible generally applies, and payment remains subject to the vehicle’s value, policy limits, exclusions, and other policy terms.
Comprehensive Coverage
Comprehensive coverage may help pay for covered vehicle damage caused by events other than a collision or rollover. The Indiana Department of Insurance identifies theft, fire, windstorm, and glass breakage as examples of losses that comprehensive coverage may address. Indiana drivers can also ask how a particular policy treats hail, flooding, falling trees or branches, vandalism, and contact with a deer or another animal. Coverage depends on the policy’s terms, exclusions, and selected deductible.
Medical Payments Coverage
Medical payments coverage may help pay eligible medical expenses for the insured driver and usually passengers who are injured while riding in, entering, or getting out of the insured vehicle. Available limits, covered expenses, and exclusions vary by policy. Coverage availability, limits, deductibles, and exclusions vary by insurer. Drivers should review all policy details with a licensed insurance professional before choosing coverage.
What Affects Indiana Car Insurance Rates?
Indiana auto insurance rates can vary because insurers use different rating and underwriting methods. A quote may reflect information about the household’s drivers, the vehicle being insured, where it is kept, how it is used, and the coverage selected.
Common Factors Insurers May Consider
- Driving record and claims history
- Location and vehicle storage
- Driver age and experience
- Vehicle type and repair costs
- Coverage limits and deductibles
- Mileage and vehicle use
- Credit-based insurance information where permitted
The Indiana Department of Insurance identifies driver record, vehicle use, place of residence, policy limits, deductibles, vehicle type, claims history, and credit scores among the factors companies may use.
Indiana’s driving environment can also involve severe thunderstorms, damaging wind, hail, flooding, winter conditions, and deer crossing rural roads. The Indiana Department of Homeland Security reported more than 300 severe-wind damage reports and 91 severe-hail reports in the state during 2024. Indiana State Police also advises motorists to remain alert for deer near roadways and avoid dangerous swerving.
How to Compare Indiana Auto Insurance Quotes by Phone
Comparing Indiana auto insurance quotes by phone allows drivers to explain their needs, ask questions about required and optional coverage, and review available choices with a licensed insurance professional.
1. Share Your Information
Have information ready about the drivers, vehicles, garaging location, annual mileage, current insurance, driving history, and desired protection.
2. Discuss Indiana Insurance
Ask about Indiana’s liability requirements, uninsured and underinsured motorist coverage, available limits, medical payments, collision and comprehensive coverage, deductibles, and possible discounts.
3. Review the Details
Review the quoted premium, policy term, liability limits, optional coverage, deductibles, exclusions, payment options, and proposed coverage start date. Make sure each quote is based on comparable coverage before deciding.
Frequently Asked Questions About Indiana Car Insurance
Have a general question? Visit our car insurance FAQ page for more information about coverage, quotes, and the calling process.
Moving between Indiana and Michigan? Review our Michigan auto insurance quotes by phone guide to see how the states’ requirements differ.
Looking for information about another location? Browse our auto insurance guides by state.
Ready to Start Your Auto Insurance Quote Search?
Start your auto insurance quote by calling to connect with a licensed insurance professional.
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