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How Much is Indiana Car Insurance in 2021?

indiana car insurance

On a nationwide basis, the average annual cost of car insurance is nearly $1,600 in the United States. So if you’re looking for an Indiana car insurance policy, just what can you expect to pay?

Keep reading to learn about your car insurance options and what you can expect to pay to keep your vehicle properly ensured. 

Types of Car Insurance Policies 

The most common types of car insurance are liability, comprehensive, collision, uninsured/underinsured, personal injury protection, and medical payments. 

The types of coverages you need are based on factors like the type of car you drive, your income level, your experience as a driver, and whether you buy, finance, or lease your car. 

Depending on your needs, there are additional policy options you can add to the standard required coverage. Some of the most common are guaranteed auto protection, umbrella insurance, rental reimbursement, emergency roadside assistance, mechanical breakdown, pay=-as-you-go, non-car owner, and SR22 insurance

Once you determine what types of coverage you need your policy to include, you can look into what those required and optional coverage will cost. This way, you’ll know what to expect and be able to figure out which payment options are best for you and your family. 

The Cost of Indiana Car Insurance 

Every state sets its own car insurance minimums. For example, in Indiana, drivers are required to have the following policy minimums

  • Bodily injury: $25,000 per person and $50,000 per accident 
  • Property damage liability: $25,000 per accident 
  • Uninsured motorist bodily liability: $25,000 per person and $50,000 per accident 
  • Uninsured motorist property damage: $25,000 per accident 
  • Underinsured motorist bodily injury: $50,000 per person and $50,000 per accident 

It’s important to note that you have the right to reject uninsured and underinsured motorist coverages in writing. 

To get a policy with those minimum rates, you’ll want to know what to expect in terms of the impact on your wallet. Fortunately, car insurance rates in Indiana are low compared to the national average. 

On average, Indiana car insurance quotes are under $1,200. Your premium, however, can change based on your age, gender, marital status, credit score, driving violations, and coverage level. 

The older you are, the less you can expect to pay for your annual premium. New drivers under 18 can see premiums upwards of $4,000. 

While rates in Indiana are about the same for men and women, married or widowed individuals can expect to pay less than single or divorced individuals. 

In terms of credit score and driving violations, you can expect a lower premium the better your credit score is, and a higher premium the more driving violations you have. 

Learn More About Car Insurance 

Whether you’re in the market for Indiana car insurance or you’re weighing your options for when you buy a car and look for the best car insurance Indiana policy, it’s important to know about your options and what you can expect in terms of expenses. 

Now that you have an idea of the cost of car insurance in Indiana, we can help you build the policy that’s right for you. Contact us today to learn more. 

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