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Indiana Car Insurance Resources

Indiana Car Insurance

Car Insurance Rates in IN

^ From 2006 to 2010, Indiana cities had the 42nd highest auto insurance rates in the nation. [2]

Car Insurance in IN by City

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Cars Insured in IN

^ Indiana ranked 14th of all U.S. states in total auto insurance policies in 2011. [1]

IN Car Insurance

Car Insurance in Indiana

Car Insurance Liability Requirements in Indiana

  • Minimum Liability Limits in IN: 25/50/10 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Indiana

Required Car Insurance Coverage in Indiana
  • Auto Insurance Coverage Requirements in IN [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in Indiana

  • Insurer Verification of Auto Insurance in IN [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

Indiana Car Insurance Facts, Estimates & Related Laws

Indiana Car Insurance Facts

Indiana Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in IN
    • Indiana had the 41st highest auto insurance rates in the nation in 2010. [2]
    • Rates in IN ranked 42nd in the nation in 2009. [2]
    • In 2008, IN had the 43rd highest rates in the country. [2]
  • Number of Auto Insurance Policies in IN
    • Indiana ranked 14th in the nation in auto insurance policies in 2011 with a total of 4,467,521. [1]
  • Uninsured Motorist Rate in IN
    • The uninsured motorist rate in IN ranked 10th in the nation in 2009. [3]

Indiana Distracted Driving Laws

  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Indiana Automotive Laws

  • Safety Belt Laws in IN
    • Safety belt laws have been in place since 1987 and apply to drivers/passengers 16+ years in all seats. [7]
    • Child restraint law in place for 7 years and younger. [7]
  • Motorcycle Helmet Laws in IN
    • Motorcycle helmets required for 17 and younger. [7]
  • Driver's License Renewal Cycle in IN
    • Renewal cycle: 6 years [7]

Indiana Auto & Driver Facts

Indiana Automotive Facts

Indiana Auto & Driver Facts
  • Speed Limits in IN
    • Rural interstates: 70 mph (Trucks: 65 mph) [7]
    • Urban interstates: 55 mph [7]
    • Other roads: 55 mph [7]
  • Motor Fuel Consumption in IN
    • Indiana cities collectively ranked 13th in the nation in total motor fuel consumption in 2011. [9]

Indiana Licensed Drivers

  • Licensed Drivers in IN [10]
    • Total Drivers: 6,569,665
    • Female: 3,239,700
    • Male: 3,329,965
    • IN has the 9th most drivers in the U.S.
  • Minimum Driving Age in IN [5]
    • Indiana has a minimum driving age of 15 years.

Indiana Auto Registrations

  • Auto Registrations in IN [8]
    • Registered Cars: 2,882,224
    • Registered Trucks: 3,024,623
    • Registered Motorcycles: 204,407
    • Total Registrations: 6,132,772
    • Rank: Indiana ranked 13th in the United States in total auto registrations in 2011.

Additional information about Indiana

About Indiana

Indiana has a population of approximately 6,483,802, which ranks 16th in the U.S. among all states. [6]

IN Car Insurance

More about Indiana auto insurance

For more information about auto insurance in IN, or for additional resources regarding Indiana car insurance, visit the Indiana Department of Insurance.

Did you know?

Driving while text messaging is currently banned for all drivers in 41 states and the District of Columbia.


1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Indiana Cities