indiana car insurance
Hello there, Indiana driver, and welcome to our guide to Indiana car insurance. You'll find info on legal requirements, optional coverages, Esurance discounts, perks like RepairView®, and more.
Indiana's mandatory car insurance requirements
Indiana drivers are legally required to carry the following coverages:
- $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 coverage in writing.
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 the uninsured.
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.
Factors that can impact your Indiana car insurance premium:
- Driving record
- Age, gender, and marital status
- Make and model of your car
- How frequently you drive
- ZIP Code
- Claims history
- Credit-based insurance score
- Coverages, deductibles, and limits you select
Esurance in Indiana
We've been offering car insurance to Indiana drivers since the good old days of 2005.
Esurance discounts offered in Indiana
When you buy a new policy from Esurance, you may qualify for:
- Paid-in-Full discount
- Fast 5® discount (for starting your quote online)
- Good Student discount
- Homeowners discount
- Multi-Car discount
- Switch and Save® 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 get a nice discount, too.
Optional car insurance coverages in Indiana
- Comprehensive coverage
- Collision coverage
- Rental car coverage
- Emergency road service coverage
- Customized parts and equipment coverage
- Loan/lease gap coverage
- Medical payments coverage
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.
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.
Indiana driving facts and stats
Quick-hitting laws, trends, and stats that every IN motorist should know before taking the wheel.
The Esurance Coverage Counselor®
Spend a few minutes to get personalized Indiana policy recommendations from our online counselor.
*Discount of 30 percent of renters premium deducted from auto premium automatically.