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Indiana Car Insurance

Whether you’re planning a day out exploring Carmel or commuting to work in Fort Wayne, Indiana has a lot of roads to travel. With reliable car insurance designed to protect you through all of life’s journeys, Amica has you covered no matter where you’re headed across the Hoosier State.

Amica offers customized Indiana car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote for insurance that meets your unique coverage needs.

Indiana’s required auto insurance limits

In Indiana, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $25,000 per accident

Bodily injury liability coverage: Provides financial protection for causing bodily harm to others in an auto accident where you’re at fault. It includes medical expenses, lost wages, pain and suffering, and rehabilitation costs. If you’re sued, your policy may also pay legal defense costs. Coverage is subject to certain limitations and exclusions. 

Property damage liability coverage: Coverage for damage you cause to someone else’s property in an auto accident where you’re at fault. This includes the costs of repairing or replacing the other party’s vehicle, as well as any other damaged property, such as fences or other structures. Additionally, your policy may help with legal fees if you’re sued for the property damage you caused. Coverage is subject to certain limitations and exclusions.

In addition to the minimum liability coverage requirements, Indiana mandates coverage for uninsured motorists bodily injury, underinsured bodily injury and uninsured property damage, with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage
    • $25,000 per person*
    • $50,000 per accident*
  • Underinsured Motorist Bodily Injury Coverage
    • $50,000 per accident*
  • Uninsured Motorist Property Damage Coverage
    • $25,000 per accident*

Uninsured/underinsured motorist bodily injury coverage: Provides coverage if you’re injured in an accident caused by a driver who either doesn’t have insurance or doesn’t have enough insurance to pay for your medical bills and other expenses. 

Uninsured motorist property damage coverage: This coverage will help pay for the repair or replacement of your vehicle in the event it’s damaged in an accident caused by an uninsured driver or unidentified hit-and-run driver. 

*In Indiana, these coverages can be rejected in writing.

It’s important to understand that these are just the minimum requirements, and Indiana drivers may choose higher coverage limits for added protection.

Additional coverage considerations in Indiana

Opting for additional auto insurance coverage beyond Indiana-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages you might consider:

  • Comprehensive (other than collision): Coverage for damage to your vehicle that isn’t the result of a collision with another car or object. This includes damage caused by falling trees or rocks kicked up by other cars. 
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object. 
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident. 
  • Roadside assistance coverage: Around-the-clock roadside assistance, providing services like jumping dead batteries, towing your car and unlocking car doors.
  • Repairing or replacing auto glass: Repair or replacement of your damaged windshield, windows and other auto glass, without a deductible.

Understanding rate factors for Indiana auto insurance

There are several factors that impact auto insurance in Indiana, including individual circumstances, geographical location, coverage options and more. Here are some points to consider:

  • Driving history: Your individual driving record plays a substantial role in determining your Indiana auto insurance premiums. Drivers with clean records typically pay lower premiums than those with a history of accidents or traffic violations.
  • Vehicle type: Your car’s make and model, safety ratings, repair costs and likelihood of theft can influence Indiana car insurance rates. 
  • Claims in Indiana: Auto insurance rates may be affected by the claims filed in your state. Higher rates of accidents, theft or other incidents can lead to increased premiums for all drivers in Indiana. 
  • Weather patterns: Weather-related incidents impact Indiana car insurance rates, particularly for comprehensive coverage includes protection against damage caused by the weather.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Maximize savings with Indiana insurance discounts

Amica offers various auto insurance discounts to help policyholders save money on their premiums.1 Here are some discounts Indiana drivers may be eligible for:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 16-25, with a “B” average or higher are eligible for our Good Student Discount. 
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount. 
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings. 
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Indiana policy premium up front.

If you’re an Indiana driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you’re eligible to save up to 20% with a multiline discount.

Facts and figures about Indiana

Fun facts about Indiana:

  • Indiana is famous for the Indianapolis Motor Speedway, often referred to as “The Brickyard.”2
  • Between the late 1800s and the early 1920s, Indiana was the manufacturing hub for Auburns, Duesenbergs, Maxwells, Studebakers and more. The Studebaker National Museum can be found in South Bend.2
  • Indiana’s automotive manufacturing sector includes major companies like General Motors, Subaru and Toyota.3

Facts about driving in Indiana:

  • Indiana has BMV Connect kiosks, where drivers can print their driving record, renew their license, update their contact information and more.4 
  • Indiana offers Express Credential Service, where drivers can expedite the processing of their ID cards, permits and licenses for an additional fee.4 
  • Indiana has a Move Over Law that requires drivers to yield the right of way or come to a complete stop when an emergency vehicle is approaching with its lights flashing.4

How to get car insurance in Indiana

We’re here to guide you through the process of personalizing your car insurance in Indiana. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Indiana drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Indiana drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary. 
2 70 Intriguing Facts About Indiana
3 Autos Drive America
4 Driver’s Manual 
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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