Car Insurance In Indiana

How Much Does Car Insurance In Indiana Cost?

The average cost for annual full coverage auto insurance is $1,133, which is 20.6% less than the national average.

Your insurance premium depends on several factors, including age, driving history, marital status, credit rating and more.

Affordable Car Insurance Quotes In Indiana

Looking for cheap car insurance in Indiana? You’ve come to the right place. At Fred Loya Insurance we offer customized auto insurance policies for every budget.

Whether you are new to our insurance family or have been with us for some time, we provide discounts based on your driving and insurance history and other factors so we can offer you the best rate for your car insurance.

At Fred Loya Insurance, we offer numerous benefits, including immediate coverage without a credit check, mobile alerts, flexible payment options, online payment options and more.

Visit our offices and let our experienced agents create your custom policy.

Get Cheaper Car Insurance In Indiana With Our Fred Loya Insurance Discounts

Our discounts allow us to offer you the best rate for your car insurance policy. Ask our agents which Fred Loya Insurance discounts you qualify for!

• Prior Insurance Discount

  Have you had auto insurance for more than six months? Find out if you qualify for our Prior Insurance Discount!

• Homeowner Discount

  If you own a home, you may be eligible for a cheaper insurance policy with our Homeowner Discount!

• Claim-Free Discount

  Do you have a claim-free driving record? Ask our agents about our Claim-Free Discount.

• EFT Discount

  Set up automatic monthly payments and take advantage of our EFT Discount.

• Vehicle Alarm Discount

  Does your car have a state-approved alarm system? Benefit from reduced insurance rates with our Vehicle Alarm Discount.

• Multi-car Discount

  Looking for the best premium to insure multiple cars? Ask our agents if you qualify for our Multi-car Discount.

• New Car Discount

  Did you recently purchase a new car? We’ll give you one more reason to celebrate: our New Car Discount!

• Anti-Lock Brakes Discount

  If your vehicle has an anti-lock braking system, you may qualify for lower insurance rates with our Anti-Lock Brakes Discount!

• Air Bag Discount

  We consider safety a top priority! If your car is equipped with air bags, you may be eligible for our Air Bag Discount.

Indiana Minimum Car Insurance Requirements

Coverage	Requirements
Bodily Injury Liability	Bodily Injury Liability covers expenses related to bodily injury or death if you are found at fault in an accident. The minimum requirements are $25,000 per person and $50,000 per accident.
Property Damage Liability	Property Damage Liability covers expenses related to vehicle and structure damage if you cause an accident. The minimum requirement is $25,000.
Uninsured Motorist Bodily Injury Coverage	Uninsured Motorist Bodily Injury Coverage covers injury and death expenses in an accident caused by an uninsured driver or a hit-and-run driver. The minimum requirements are $25,000 per person and $50,000 per accident.
Uninsured Motorist Damage Coverage	Uninsured Motorist Damage Coverage pays for damages caused by a driver who is not insured. The minimum is $25,000 per accident.
Underinsured Motorist Bodily Injury Coverage	Underinsured Motorist Bodily Injury Coverage pays for bodily injury or death expenses caused by a driver who does not have enough insurance to cover costs. The minimum requirements are $50,000 per person and $50,000 per accident.

Indiana Car Insurance Laws And Regulations

Indiana Driver’s License Process

Learner’s Permit

If you are 15 years old, you can apply for an Indiana’s learner’s permit. To apply, you need to:

• Be enrolled in behind-the-wheel training
• Pass a vision exam
• Pass a written exam

Probationary Driver’s License

To apply for a probationary driver’s license, you must have had a learner’s permit for six months and

• Be 16 years and three months old
• Have completed driver education

or

• Be 16 years and nine months old, in which case you are permitted to skip driver education

Standard Driver’s License

To apply for a standard driver’s license, you must be 21 and meet the following requirements:

• Pass a vision exam
• Pass a written exam
• Pass a driving exam

Driving Without Car Insurance In Indiana

Driving without car insurance in the state of Indiana is against the law. You are required to provide evidence of insurance at all times.

If you do not have auto insurance, you will face the following penalties:

For your first violation:

• Suspension of your driver’s license for a minimum of three months
• $250 reinstatement fee
• SR-22 certificate for three years

For your second violation:

• Suspension of your driver’s license for one year
• Suspension of your vehicle registration for one year
• $500 reinstatement fee
• SR-22 certificate for three years

For your third violation:

• Suspension of your driver’s license for one year
• Suspension of your vehicle registration for one year
• $1000 reinstatement fee
• SR-22 certificate for five years

The Indiana BMV may require proof of insurance in different situations, such as:

• A car accident
• A traffic violation conviction
• A third pointable moving traffic violation within one year
• Any pointable moving traffic violation if you have not been able to provide evidence of insurance before

To provide proof of car insurance, ask your insurance company to submit a Certificate of Compliance to the BMV using the Electronic Insurance Forms Submission (EIFS).

The BMV will process your Certificate of Compliance within 90 days. If you do not provide proof of financial responsibility, you will face a suspension of your driving privileges. Reinstatement of privileges will typically require an active insurance policy along with an SR-22.

Indiana Teen Driving Laws

Like many other U.S. states, Indiana focuses on preserving the lives of its young drivers through teen driving laws.

To drive with a learner’s permit, you must be:

• Under 16 years old and enrolled in a driver’s education course
• Under 18 years old

You are permitted to drive only under the supervision of:

• A licensed instructor recognized by the BMV, who is sitting in the front seat
• A licensed driver who is 25+ years old and is related to you by legal status, blood or marriage
• A spouse who is 21+ years old and has a driver’s license

If you have a probationary driver’s license, you are not permitted to use any telecommunication device except for calling 911.

For the first 180 days after getting your probationary driver’s license, you must observe curfew hours between 10 p.m. and 5 a.m.

You may not transport passengers unless you are accompanied by a licensed instructor who is 25+ or a spouse who is a licensed driver and is 21+.

Until you are 18 years old, you are not permitted to drive during the following times:

• Saturday — Sunday: From 1 a.m. to 5 a.m.
• Sunday — Thursday: After 11 p.m.
• Monday — Friday: Before 5 a.m.

Exceptions to the curfew hours include driving to/from work, school or religious events, driving with an adult who is 25+ and has a driver’s license or driving with a spouse who is 21+ and has a driver’s license.

Indiana Seat Belt Laws

All drivers and passengers over 16 years old must wear seat belts in the state of Indiana.

Children who are under 8 years old should be buckled up in booster seats or child safety seats.

Seat belt fines begin at $25.

Indiana Distracted Driving Laws

As of July 1, 2020, the state of Indiana follows the hands-free law. You are not allowed to use any mobile devices while driving.

You can use your phone only in combination with a headset, Bluetooth or any other hands-free technology that allows voice commands.

The hands-free rule applies to phone maps, music and podcasts as well. The only exception is dialing 911 for an emergency.

*All information was gathered from official state websites and is accurate as of November 1, 2021.