Indiana car insurance

You may not be circling the track on the Indianapolis Motor Speedway, but Indiana's highways can be just as frenetic. It's important to know about Indiana auto insurance requirements so you can find the right coverage that meets your needs. Learn about car insurance in the Hoosier State and get an Indiana auto insurance quote through Progressive.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Indiana's auto insurance requirements?

Car insurance is required for drivers in Indiana. Indiana drivers need liability coverage limits of at least:

  • $25,000 in bodily injury per person
  • $50,000 in total bodily injury per accident
  • $25,000 in property damage per accident

Choosing liability limits for your auto insurance doesn't have to be difficult. Learn more about how auto liability insurance works and what to consider when choosing your limits.

Comprehensive and collision coverage for Indiana drivers

If your vehicle was a big investment for you, it's wise to add comprehensive coverage and collision coverage. They can pay for the repair or replacement of your car if it's damaged in a covered accident or stolen. If you're leasing or financing a vehicle, most lenders in Indiana will mandate that you carry these coverages.

See more available coverages for car insurance.

Drivers nationwide who switch and save with Progressive save nearly $750 on average.* Get a car insurance quote today.

How much is car insurance in Indiana?

In 2018, Indiana was the ninth least expensive state for auto insurance, according to the Insurance Information Institute. Your rate can vary based on a wide variety of factors, including your driving history, ZIP code, plus the limits and coverages you choose. Learn more about the factors that impact car insurance prices.

Are there Progressive discounts for cheaper car insurance in Indiana?

Yes. Here are just a few of our money-saving discounts:

  • Multi-car
  • Multi-policy
  • Five-year accident-free
  • Online quote
  • Distant student
  • Teen driver
  • Paperless

Protect your most valuable assets—and save money—by bundling your car and homeowners insurance in Indiana. Progressive also offers a multi-policy discount when you bundle two or more policies, including auto and renters insurance or even a combination of your renters, motorcycle, boat, and RV policies.

See all car insurance discounts.

Pro tip:

The Progressive Snapshot® program personalizes your rate based on your driving habits. The safer you drive, the more you'll save. See more on Snapshot.

Facts about driving & car insurance in Indiana

  1. An estimated 15.8% of drivers in Indiana were uninsured in 2019, making it the 15th-highest state in the country for drivers without coverage. Consider uninsured motorist coverage to protect yourself if the other driver can't pay.

  2. Holding or using a cellphone while driving is illegal in Indiana. Avoid fines and distracted driving by using a hands-free device or saving the conversation for later.

  3. As of 2020, Indiana drivers ranked sixth for highest miles driven, with an average of 17,821 miles per year.

How to get car insurance in Indiana

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