Cheap Car Insurance in Indiana
It is mandatory to get car insurance in Indiana for drivers to drive legally in the state. Different companies in Indiana provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Indiana:
|Name of the Company||Average annual car insurance premiums|
|Hastings Mutual Insurance Co||$1178|
|Indiana Farmers Mutual||$1255|
|United Farm Bureau of IN Group||$1339|
|Celina Insurance Group||$1527|
Cheap car insurance in Indiana for good drivers
Car insurance companies may charge high car insurance premiums from drivers in Indiana with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Indiana provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Indiana by maintaining a good driving record. Most auto insurance companies in Indiana provide a 5-10% good driver discount to those having a good driving history without violations.
- Drivers with no traffic ticket may save $244 on car insurance premiums in Indiana.
- Drivers may save $522 on car insurance premiums if they have an accident-free record in Indiana.
- By maintaining a good credit history you may save $781 on car insurance premiums in Indiana.
Cheap car insurance for inexperienced drivers in Indiana
Most auto insurance providers may charge high auto insurance premiums in Indiana from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers. Auto insurance premiums in Indiana vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Indiana.
|Age||Average annual auto insurance premiums with parents||Average annual auto insurance premiums for young drivers alone|
Affordable auto insurance in Indiana for high-risk drivers
Car insurance companies in Indiana charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Indiana can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Indiana may get discounts on car insurance policies.
|Rating factor||Average annual car insurance premium|
Best car insurance companies in Indiana
Car insurance prices in Indiana may vary from company to company. Some companies in Indiana charge lower car insurance premiums than others. To get the best auto insurance policy in Indiana you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Indiana by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Indiana:
- American Family
- Cal Casualty
- Celina Insurance
- Cincinnati Insurance
- First Chicago Maverick
- Liberty Mutual
- State Farm
What auto insurance coverage is mandatory to purchase for drivers in Indiana?
The average annual cost to get the minimum required coverage in Indiana may be around $490. The minimum required coverage for drivers in Indiana to drive legally in the state is:
|Coverage type||Coverage limit|
|Bodily injury coverage per person||$25000|
|Bodily injury per accident||$50000|
|Property damage per accident||$25000|
The state minimum auto insurance requirements in Indiana
The state minimum auto insurance coverage requirement in Indiana is liability coverage.
- $25000 bodily injury coverage per person is required in Indiana.
- $50000 bodily injury coverage per accident is required in Indiana.
- $25000 property damage coverage per accident is required in Indiana.
Other types of optional coverages in Indiana are:
- Roadside Assistance
- Loan/Lease Payoff
- Rental Car Reimbursement
- Uninsured/Underinsured Motorist Bodily Injury
- Uninsured Motorist Property Damage
- Medical and Funeral Services
Fine for driving without car insurance in Indiana
If anyone caught driving without a car insurance policy in Indiana then police may charge a fine or suspend driver’s license.
Car insurance prices by cities in Indiana
Car insurance premiums in Indiana may vary from city to city. In some cities of Indiana, car insurance prices are high compared to others.
|City||Average annual insurance premiums|