get an indiana car insurance quote from esurance

or call 1-800-378-7262

(24 hours a day, 7 days a week)

indiana car insurance

Hey there, Indiana residents. We know you're probably not a pro driver in the Indy 500, but that doesn't mean driving can't be awesome in the Hoosier State. It helps knowing you're getting affordable car insurance rates, 24/7 customer service, and simple policy management with Esurance.

We embrace innovative online technology that makes the car insurance process hassle-free and easier to understand. Get a free Indiana car insurance quote and gain instant access to our interactive tool, Express Lane®, which does some of the research for you so that you can get the most accurate quote possible. Whether you live in Indianapolis or Bloomington, every Esurance policy is built to save Indiana residents time and money.

Indiana car insurance discounts from Esurance

Hoosier State drivers are on the fast track for savings with our wide array of available auto insurance discounts, including:

  • Paid-in-Full discount
  • Fast 5® discount
  • Good Student discount
  • Homeowners discount
  • Multi-Car discount
  • Switch & Save® discount
  • Multi-Policy discount

Discounts may vary. If you're a current policyholder with questions about your discounts, call us at 1-800-ESURANCE (1-800-378-7262).

Our Renters Plus® discount in Indiana*

Add renters insurance to your Esurance car insurance policy and not only will you be protecting your stuff, but you'll score savings, too.

Car insurance coverages in Indiana

Required coverages

Drivers in the Hoosier State are required to carry the following minimum liability coverages and limits:

  • $25,000 in bodily injury liability coverage per person
  • $50,000 in bodily injury liability coverage per incident
  • $10,000 in property damage liability coverage per incident

You'll often see these minimum limits expressed as 25/50/10, and you can choose higher limits when you customize and buy your policy.

All Indiana policies also include uninsured motorist liability coverage, with the same limits as your liability coverage, and underinsured motorist bodily injury coverage with a minimum limit of $50,000 per incident. These coverages can help you avoid heavy bills if you're hit by a driver whose liability coverage is insufficient.

When you buy your policy, you can reject uninsured/underinsured motorist coverage in writing.

Optional coverages

Adding these coverages to your Indiana policy will give you extra security and peace of mind in the event of a claim:

  • Comprehensive coverage
  • Collision coverage
  • Rental reimbursement coverage
  • Emergency roadside service coverage
  • Customized parts and equipment coverage
  • Loan/lease gap coverage
  • Medical payments coverage

Insurance facts for Indiana drivers

Uninsured drivers in Indiana

A recent report from the Insurance Research Council estimated that 16 percent of Indiana drivers were uninsured as of 2009, which was above the national average of 13.8 percent.

Uninsured and underinsured liability coverages offer financial protection against drivers without enough insurance (or any at all) if they cause an accident and cause injury to you and your passengers or damage your vehicle.

Driving without liability insurance

If you're caught driving without insurance in Indiana, your license will be suspended for at least 90 days. Two or more of these license suspensions within a 3-year period will mean an additional one-year suspension.

Uninsured motorist database

If you're convicted of driving without insurance, your name will be in the Previously Uninsured Motorist Registry (PUMR) for 5 years. Once you're in the PUMR, the state of Indiana may request that you provide proof of financial responsibility at any time through random questionnaires.

Alternative insurance options

If you're having a hard time finding affordable car insurance, the Indiana Auto Insurance Plan may be an option. All licensed insurance companies in Indiana are required to take a certain percentage of drivers who are unable to find coverage through typical channels.

A licensed Indiana car insurance agent can help you apply to the program.

Determining your Indiana car insurance rate

Car insurance companies (including us) may take some of the following factors into account when determining your premium:

  • Driving record and claims history
  • Age, gender, and marital status
  • Year, make, and model of your car
  • Average annual mileage you'll be driving
  • ZIP Code where your car is parked
  • Insurance score based on credit and other factors
  • Coverages, limits, and deductibles you choose

Car repair shops in Indiana

Indiana customers can take their cars to Esurance-approved repair shops throughout the state. Our E-star® program features RepairView®, which lets customers track repairs online and guarantees repairs for as long as they own their cars.

Find an E-star shop near you.

Related links

Your guide to animal-related accidents
Read more about how to avoid hitting an animal, what to do if you accidentally do, and how insurance can help.

The Esurance Coverage Counselor®
Spend a few minutes to get personalized Indiana policy recommendations from our online counselor.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262