CarInsuranceCalculator’s guide to car insurance in Indiana
For car insurance quotes in Indiana you should require the following insurance coverage or financial responsibility at a minimum:
25/50/10 – This is shorthand for the liability policy limits required which means you need a minimum coverage of:
- $25,000 for death or injury to one person;
- $50,000 for death or injury to two or more people; and
- $10,000 for property damage to others
Nearly all car insurance policies have a provision that will adjust your coverage from the minimums required in your state to the minimum insurance or proof of financial responsibility in another U.S. state. So you do not need to get a new insurance policy for each state you are driving through. However, if you buy a policy in a low limits state (like Indiana or Illinois) but live in a high limits state (like Alaska), insurers will only write a policy where your car is principally garaged. So if your actual home is in Alaska, you should also buy at least the lower auto insurance limits for Alaska.
Another point is, that Indiana’s required insurance limits are relatively low, compared against the costs of repair and damages which easily occur in an accident. If you are in a serious collision and the damages you caused are greater than the coverage limits you purchased, you may be personally liable to pay for those damages that exceed your insurance coverage. Additional insurance coverage or auto insurance types could protect you in such cases. More in our article on full coverage car insurance and the general car insurance types.
Indiana Car Insurance Law
Indiana is a modified comparative fault state with a 50% rule. This is a legal defense that means that a plaintiff can recover for an injury, reducing the amount that the plaintiff can recover based on the percentage of which the plaintiff is at fault if it is determined that his or her fault in causing the injury is 50% or less. If the plaintiff’s fault level reaches 51% or more, he or she cannot recover any damages resulting from the accident.
Driving Under the Influence (DUI) in Indiana
In Indiana, a first time offense of Driving Under the Influence (DUI) or Operating Under the Influence (OUI) is a misdemeanor. If you are 21 years or older, if you have a Blood Alcohol Content (BAC) level of .08% or higher while driving, Indiana law presumes you are driving under the influence. Indiana has enhanced penalties for DUIs in which your BAC is .15% or greater. If you are under 21, a lower BAC may apply to you.
1st OUI – Indiana
You license may be suspended for up to 2 years. You can be sentenced to jail for the minimum of 30 days up to 60 days. However, if your BAC is.15 or greater, you may be sentences for up to 1 year in jail. Fines can vary from $500.00 to $5,000 if convicted of a DUI with a BAC of .15% or greater. You will also be responsible for court fees of at least $300.00. Additionally, community service, attendance at a victim impact panel, substance abuse education, and/or an ignition interlock device may be ordered. You may also be subject to probation for up to 2 years. You will need an SR-22 for restoration of license after suspension.
2nd OUI – Indiana
A second time OUI within 5 years of your first OUI is treated as a felony, with enhanced penalties. You will automatically have your license suspended for a minimum of 180 days up to 2 years. You can be sentenced for the minimum of 10 days to up to 3 years in jail, or alternatively community service of up to 350 hours. A fine of up to $10,000.00 may be imposed. Additionally, community service, attendance at a victim impact panel, substance abuse education, and/or an ignition interlock device may be ordered. You may also be subject to probation for up to 2 years. A SR-22 is required for restoration of license after suspension.
Top Ten Car Insurance Companies in Indiana
The top ten of auto insurance companies in Indiana is ranked by market share in the state as follows:
- State Farm Mutual Automobile Insurance
- United Farm Family Mutual Insurance Company
- American Family Mutual Insurance Company
- Allstate Insurance Company
- Progressive
- Erie Insurance Exchange
- Indiana Farmers Mutual Insurance Company
- Geico General Insurance
- Indiana Insurance Company
- Illinois Farmers Insurance Company
