Car insurance in Indiana, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Indiana car insurance coverage isn't just something that drivers in the "Hoosier State" should have; it's something they
have.
Indiana auto insurance coverage doesn’t have to break the bank. You may be able to save by shopping around, declining unnecessary coverage and trading high deductibles for lower premiums. Indeed, you can cut costs, but you can't cut corners. If you drive in Indiana, you need auto insurance in Indiana. Here's what kind and how much, according to Indiana state law:
The best contacts and resources to help you get it done
Browse Indiana auto insurance rates online
If you need Indiana auto insurance, online quotes are a good starting point. Available from all major auto insurance companies in Indiana, they offer a fast and convenient way to research and compare premiums.
I recommend: Get comprehensive online quotes from Indiana car insurance providers at websites like
InsWeb,
Insurance.com,
InsuranceUSA and
InsuranceFinder, or from companies like
Progressive and
Esurance, which quote both their own and competitors' rates.
Solicit Indiana car insurance quotes from national providers
Most major car insurance carriers offer auto insurance in Indiana and all provide competitive Indiana auto insurance rates.
I recommend: Among the largest and most popular car insurance companies in Indiana are
AIG,
Allstate,
Chubb,
Farmers,
GEICO,
The Hartford,
Liberty Mutual and
State Farm. National associations like
AAA and
AARP are also good sources for affordable auto insurance in Indiana.
Get car insurance in Indiana from local and regional companies
In Indiana, auto insurance rates can vary dramatically; for some of the most affordable, consider locally based providers.
I recommend: For automotive insurance in Indiana, try Indiana-based companies like
Indiana Farm Bureau Insurance,
Indiana Insurance and
Indiana Farmers Mutual Insurance Company. Also consider local programs, like the
Indiana Automobile Insurance Plan, which is designed for drivers who can't easily find auto insurance in Indiana.
Use an independent agent to find Indiana car insurance bargains
Buying car insurance in Indiana via an independent insurance agent can expose you to new resources, practical advice and special rates.
I recommend: To find an independent agent who can sell you car insurance in Indiana, use the “find an independent agent” feature at the
Independent Insurance Agents of Indiana website.
Choose Indiana auto insurance companies that you can trust
Before doing business with Indiana car insurance providers, review their records with consumers to make sure they are reliable, reputable and responsible.
I recommend: If you subscribe to
Consumer Reports, you can check up on car insurance companies in Indiana. Another good resource is the
Indiana Department of Insurance, which compiles statistics on
complaints against auto insurance companies in Indiana.
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