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It's illegal to get behind the wheel in Indiana without auto insurance. Fortunately, it's pretty reasonably priced, especially for drivers who focus their search on the best car insurance in Indiana. Here's a look at which providers offer the most affordable rates based on several common driver profiles.
A 35-year-old female driver with a clean record pays about $1,501 annually for Indiana auto insurance, while a 35-year-old male with a clean record pays just slightly more at $1,534 per year. But drivers who go with Geico can get their annual premiums down to about $763 and $759, respectively.
Drivers can also find cheap car insurance quotes in Indiana with the following companies:
A single accident will raise the average Indiana auto insurance premium to $2,140 per year, but once again, Geico offers a much lower rate. Drivers with one accident on their records pay about $1,464 annually.
These insurers also offer low-cost car insurance to drivers with an accident history:
Speeding tickets drive Indiana auto insurance premiums up to about $2,019 per year. But drivers who go with Geico pay close to half this amount -- about $1,108 annually.
The following companies also offer affordable car insurance in Indiana to drivers with one speeding ticket:
Teen drivers pay about $3,664 for Indiana auto insurance. This is based on the profile of an 18-year-old male driver with a clean record. Allstate offered the most affordable rate to this group with average annual premiums of about $2,347.
These companies also make the list of the best car insurance companies in Indiana for teen drivers:
Senior drivers typically score cheap auto insurance in Indiana, with average premiums of about $1,378 per year. But seniors who choose Geico only pay about $654 annually for their coverage.
Older drivers can also score great Indiana auto insurance rates with these companies:
Cheap liability car insurance in Indiana costs about $478 per year on average. However, Geico offers drivers that same coverage for about $288 annually.
Drivers can also find great deals on Indiana minimum car insurance with these insurers:
Drivers with poor credit pay about $2,324 per year for Indiana auto insurance. But Geico once again stands out as the most affordable, offering this group coverage for about $1,375 per year on average
These companies also offer some of the best car insurance in Indiana for drivers with poor credit:
How much is car insurance in Indiana? The average annual premium is $1,778, which is almost 40% below the national average of $2,646 per year. But every driver's situation is different, so your premiums could be higher or lower than these averages.
|Average Rate Category||Indiana||National Average|
|1 accident on driving record||$2,140||$3,092|
|1 speeding ticket on driving record||$2,019||$2,766|
Drivers should familiarize themselves with these Indiana car insurance laws:
In at-fault auto insurance states like Indiana, the driver who is found to be at fault in the accident is responsible for paying the medical bills for all parties involved in the accident. These expenses can quickly exceed state minimum coverage.
Driving without Indiana auto insurance brings the following consequences:
All drivers must carry at least the following Indiana auto insurance:
Drivers must have at least:
In addition, drivers must have at least $25,000 in property damage liability coverage to pay for items they damage in an accident.
Drivers hoping to score the cheapest car insurance in Indiana should try the following:
Here are some other things to bear in mind when shopping for Indiana auto insurance:
Despite the laws against it, nearly 16% of Indiana drivers don't have insurance, according to the Insurance Information Institute. Drivers who are hit by someone without insurance will have to pay for their medical bills and vehicle repairs on their own unless they add uninsured motorist coverage. This protects the policyholder if they're hit by a driver without insurance. There's also underinsured motorist insurance, which kicks in if the driver who caused the accident doesn't have enough insurance to pay for all the damages.
Drivers who want help paying for their own vehicle repairs following an accident must add collision and comprehensive coverage to their policy. Collision coverage helps pay for the policyholder's vehicle repairs following an accident with another car, while comprehensive coverage pays for animal-vehicle collisions, weather-related damages, theft, vandalism, and more.
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The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.