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Cheapest Car Insurance in Indiana (IN)

Indiana, the 19th state, is home to world-class sports events such as the Indianapolis 500, the 400 Brickyard, Formula One, the RCA Tennis Championships, NFL, NBA and NHL teams. Needless to say, Indiana residents and tourists can always find something to do. Sometimes known as “The Crossroads of America”, Indiana’s waterways, trainstations and railroads are some of the best in the U.S. Drivers can find attractions year-round across the state, and CheapCarInsurance.net wants to make sure those drivers are safe and protected. This list of information is here to do just that.

Average Car Insurance Premiums and Average Car Insurance Premiums as a Percentage of Income

Record lows in average insurance premiums as a percentage of income make Indiana an affordable state for drivers. Census.gov reports that the state’s premiums have been consistently low, and reflect the national average cycles accurately.

Drunk Driving Fatalities

Consistently below the rest of the states in drunk driving fatalities, The National Highway Traffic Safety Administration reports Indiana’s recent increase has still left it well below the national average.

Teen Drinking and Driving

Indiana’s teens do not drink in drive on average as much as the teens across the rest of the nation. The Center for Disease Control indicates that Indiana’s average is 6.5 percent, while the national average is 10.1 percent.

Vehicular Theft in Indiana

Showing a noticeable decline, Indiana’s vehicle thefts continue to drop below the national average. The FBI reports the state’s vehicle thefts to be 209 in 2012, down from 227 in 2011. The national average has remained mostly constant at 229.

WIth so many professional sports venues, Indiana knows the importance of safety when on the field. The same goes for safety on the road. The following information brings all the necessary points of interest regarding Indiana’s car insurance into one place for the convenience of the driver.

Minimum Requirements for Car Insurance in Indiana

  • Indiana’s Department of Insurance states that Indiana law requires liability coverage on all vehicles. Uninsured/underinsured motorist coverage may be refused in writing.
  • Liability Coverage minimums:
    • $25,000 per single bodily injury or death.
    • $50,000 per multiple bodily injury or deaths.
    • $10,000 for property damage.

New Driver Licensing Requirements

  • Indiana requires all drivers to obtain a state drivers license within 60 days of residencey. New drivers and drivers with no out of state license must first apply for a learner’s permit to enable the applicant to learn to drive. To obtain a learner’s permit, an applicant must:
    • Be at least 15 years old
    • Complete an approved driver education course
    • Pass the vision and knowledge tests
    • Log 50 hours of drive time including 10 hours of nighttime driving
    • If under 18 years of age, the applicant must provide an Agreement of Financial Responisibility.
  • A probationary license is a regular driver’s license issued to drivers under the age of 18. The license can be ammended to remove the probationary restriction upon the driver’s 18th birthday. Probationary licenses hold the following restrictions:
    • All occupants in the vehicle must wear a seat belt
    • For the first 180 days, no passengers may be present unless accompanied by a licensed driver age 25 or older. This individual must be seated in the front adjacent to the driver
    • Cell phone use is strictly prohibited
    • The driver may not drive between the hours of 10 pm and 5 am for the first 180 days after being issued the license
    • After the first 180 days, the driver may not drive during the following times:
      • Sunday through Thursday after 11 pm
      • Monday through Friday before 5 am
      • Saturday and Sunday between 1 am and 5 am
    • The following conditions allow the driver to drive in the times listed above only when:
      • Accompanied by a licensed driver age 25 or older
      • Going to work, religious event or school
  • Vision Exam. Applicants must pass the exam with a visual accuity of at leat 20/40 to obtain a license with no restrictions. Indiana provides multiple restrictions to allow drivers with varying eyesight driving privileges. For further information regarding vision restrictions, refer to the Indiana Driver’s Manual.
  • Knowledge Test. Consisting of multiple choice questions, the knowledge requires the applicant to demonstrate understanding of traffic signs, signals and regulations. Information included on the exam can be found in the Indiana Driver’s Manual.
  • Road Skills Test. Applicants taking the road skills test must provide a vehicle that is properly registered, insured, licensed and maintained. A licensed driver must drive the vehicle to and from the testing site.
  • The applicant’s skills will be tested in the following areas:
    • Driving in the proper lane
    • Following distance
    • Being overtaken and/or passed by another vehicle
    • Speed control
    • Demonstrate defensive driving techniques
    • Follow instructions and observing general traffic flow
    • Intersection approach
    • Backing the vehicle
    • Parallel parking
  • If the driver fails the skills test, he/she must wait 14 days to re-take the test. If, while holding a learner’s permit, the driver fails 3 attempts, the driver must wait 30 days to re-test.
  • Fees. The Indiana Bureau of Motor Vehicle’s Fee Chart lists the following fees for Indiana drivers licenses:
    • Probationary license, 4 years, $14.50
    • Regular drivers license for applicants under 75 years of age:
      • 4-year, $14.50
      • 5-year, $16
      • 6-year, $17.50
    • A regular drivers license for applicants ages 75 to 85 is valid for 3 years and holds an $11 fee
    • A regular drivers license for applicants over the age of 85 is valid for 2 years and holds a $7 fee

DUI/DWI Laws

  • BAC limit: .08 Indiana law has implemented a mandatory imprisonment sentence on all Operating While under the Influence (OWI) offense. The Indiana Bureau of Motor Vehicles has provided addional information on its website. The following is a list of the state’s penalties for DUI convictions:
  • First Offense:
    • Minimum 60 days and maximum 1 year imprisonment
    • Minimum $500 and maximum $5,000 fine
    • License suspension of maximum 2 years
    • When involving under age passengers and/or injury collision, additional penalties are required
  • Second Offense:
    • Minimum 5 days and maximum 3 years imprisonment
    • $10,000 fine
    • License suspension of minimum 180 days to maximum 2 years
    • When involving under age passengers and/or injury collision, additional penalties are required
  • Third Offense:
    • Minimum 10 days and maximum 3 years imprisonment
    • $10,000 fine
    • License suspension of minimum 1 year and maximum 10 years
    • Ignition Interlock Device may be implemented
    • When involving under age passengers and/or injury collision, additional penalties are required

Increased fines, extended imprisonment and permanent loss of driving penalties occur for additional offenses.

Texting & Driving Laws

Distraction.gov reports that novice drivers in Indiana are prohibited from any cell phone use while driving. Texting is also banned for all drivers.

Unique Laws

Many laws almost seem inexplicable, and Indiana has just a few of those on its books. One law that must have made sense at one time or another is the prohibition of eating watermelon in a city park. Of course, one that makes perfect sense would be the town of French Lick Spring’s ordinance that requires all black cats to wear a bell on Friday the 13th. And if one is driving down Main Street in Evansville, it is illegal to have your headlights on!

State Department of Insurance

Indiana Department of Insurance
311 West Washington Street
Suite 300
Indianapolis, IN, 46204
(317) 232-2385.
www.in.gov/idoi
Get Directions

Department of Transportation

Indiana Department of Transportation
100 North. Senate Aveenue
Room 758
Indianapolis, IN 46204
317-233-4688
www.in.gov/indot
Get Directions

Department of Motor Vehicles

Indiana Bureau of Motor Vehicles
Indiana Government Center North
Room 402
100 North Senate Avenue
Indianapolis, IN 46204
(888) 692-6841
www.in.gov/bmv
Get Directions


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  • $1188
  • Sep 19, 2014
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  • $120
  • Aug 28, 2014
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  • $600
  • Aug 28, 2014
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  • $3600
  • Aug 10, 2014
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  • $900
  • Jul 30, 2014
  • Mark
  • $600
  • Jul 30, 2014
  • Janice
  • $480
  • Jul 15, 2014
  • Trevor
  • $3600
  • Jul 15, 2014
  • Wanda
  • $600
  • Jul 1, 2014
  • Dana
  • $960
  • Jul 1, 2014
  • Verness
  • $1200
  • Jun 30, 2014
  • Shondalay
  • $1000
  • Jun 30, 2014
  • Chris
  • $120
  • Jun 27, 2014
  • Anthony
  • $600
  • Jun 24, 2014
  • Paul
  • $3600
  • Jun 21, 2014
  • Melissa
  • $1200
  • Jun 18, 2014
  • Daphne
  • $480
  • Jun 12, 2014
  • Yomara
  • $1800
  • Jun 10, 2014
  • Jose
  • $2400
  • Jun 6, 2014
  • Risa
  • $480
  • Jun 5, 2014
  • Alan
  • $1200
  • Jun 4, 2014
  • Tonisha
  • $1000
  • Jun 1, 2014
  • Raymond
  • $3600
  • May 30, 2014
  • Tiffany
  • $1000
  • May 29, 2014
  • Derrick
  • $3600
  • May 22, 2014
  • Desiree
  • $1200
  • May 19, 2014
  • Danielle
  • $1800
  • May 16, 2014
  • Lujendo
  • $540
  • May 15, 2014
  • Tierra
  • $3600
  • May 14, 2014
  • David
  • $900
  • May 13, 2014
  • Damber
  • $800
  • May 9, 2014
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  • $960
  • May 7, 2014
  • Rodney
  • $1440
  • May 6, 2014
  • Ashley
  • $600
  • May 6, 2014
  • Michael
  • $2000
  • May 5, 2014
  • Vita
  • $1200
  • May 2, 2014
  • Kathleen
  • $200
  • Apr 28, 2014
  • Elizabeth
  • $600
  • Apr 27, 2014
  • Mercades
  • $1000
  • Apr 9, 2014
  • Steven
  • $1200
  • Apr 6, 2014
  • Sydney
  • $2400
  • Apr 6, 2014
  • Teddy
  • $1200
  • Apr 5, 2014
  • Shyte
  • $660
  • Apr 2, 2014
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  • $1200
  • Apr 1, 2014
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  • $400
  • Mar 31, 2014

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This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

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