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Indiana Auto Insurance

Driving in the Hoosier State

Getting around Indiana has changed a lot since fur traders were last seen on the Wabash and Maumee River in their birch bark canoes. Today, all motor vehicles registered in Indiana are required to be covered by auto liability insurance. If you’re heading down state Highway 37 to the Hoosiers game in Bloomington, driving up U.S. Route 41 to Terra Haute or on W. 23rd Ave. in Gary, wherever you’re driving all motor vehicles registered in the state need to be covered with at least the Indiana minimum car insurance requirements.

Talk to your local Safeco insurance agent about coverage that is right for you and to get your Indiana auto insurance quote today.

Indiana Car Insurance Laws

Indiana Auto Insurance

Car Insurance in Indiana

Is car insurance required in Indiana? Yes.
All registered Indiana motor vehicles must:

  • Be covered by at least the minimum liability levels

All Indiana drivers must be able to:

  • Show proof of insurance

To learn more about Indiana car insurance rates, get your Indiana car insurance quote today.

Indiana Car Insurance Requirements

What is the minimum car insurance coverage in Indiana?

Auto insurance requirements vary by state. Most states require you to have both bodily injury liability and property damage liability coverage. Some states require personal injury protection and/or uninsured and underinsured motorist coverage.

Talk to your Indiana Safeco agent for personal advice about product availability in your area and how much coverage is right for you.

Proof of Financial Responsibility in Indiana

What is proof of financial responsibility?

It’s evidence that you have the ability to pay for potential damages caused by your car.

Is proof of financial responsibility required in Indiana?
Yes. The most common and easiest way to meet financial responsibility requirements in Indiana is to buy Indiana auto liability insurance

Proof of Insurance in Indiana

Failure to have car insurance in Indiana can result in a 90 day suspension of your driving privileges. If you’re a repeat offender, you could lose your driving privileges for up to one year.

What is proof of insurance?

It’s documentation that verifies a current insurance policy or other form of financial responsibility. All Indiana drivers must be able to show evidence that they’re insured if asked to do so by a law enforcement officer.

Is proof of insurance required in Indiana?
Yes. Proof of insurance in Indiana is required for:

  • Vehicle registration
  • At traffic stops

Is electronic proof of insurance accepted in Indiana?
Yes.

Also, the Indiana Electronic Insurance Forms Submission program allows insurance agents and insurance companies to electronically submit insurance information on your behalf to the Indiana Bureau of Motor Vehicles.

What is electronic proof of insurance?

Electronic proof of insurance allows Indiana drivers to use your smartphone or mobile electronic device to display a digital version of your insurance ID as valid proof of insurance.

All car insurance companies in Indiana are required to electronically submit your proof of insurance to the Indiana Bureau of Motor Vehicles if you’re involved in a traffic violation or accident.

Texting While Driving in Indiana

Everyone is prohibited from texting and driving in Indiana.

Recommended Auto Insurance Coverage

If you’re involved in an accident, the minimum car insurance requirements in Indiana may not be enough to protect you financially from expensive repair and medical costs. Liability insurance will only help pay for the other driver’s expenses. It will not help pay for your own expenses. As a safe, responsible driver, consider raising your liability limits and adding collision, comprehensive and medical payments to your policy.

All Indiana car insurance companies offer policies to cover Indiana auto insurance coverage requirements. Talk to your local Safeco insurance agent about a level of coverage that is right for you and to get an Indiana car insurance quote.

Indiana Auto Insurance Coverage Options

In addition to car insurance coverage required in Indiana and our popular auto insurance coverage options, drivers in Indiana even more coverage option to choose.

Safeco Optimum Package Plus™

For as little as $8 a month get a diminishing collision deductible that decreases $50 every six months, or $100 with an annual policy renewal, for a maximum of $500. Plus increase your personal property coverage up to $1,000 for items stolen from your vehicle, enjoy electronic lock and key replacement coverage with no deductible and much more.

Indiana Auto Insurance Discounts

There are numerous ways to save and lower your car insurance rate in Indiana. In addition to our popular car insurance discounts, drivers in Indiana have even more opportunities to save.

More Than One Policy

Indianaans who also have an active home, condominium or renters policy with Safeco may qualify for an auto insurance discount.

Keep a Clean Driving Record

Indiana drivers who maintain a good driving record for at least 34 months may qualify for accident-free and violation-free discounts on their auto insurance rate.

Advance Quote

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount that lasts for up to 10 years. Get your Indiana auto insurance quote today and start saving tomorrow.

Young Drivers in Indiana

Getting Your First Driver’s License in Indiana

Minimum age to get a driver's learner permit in Indiana: 15
Minimum age to get a probationary driver’s license in Indiana: 16 years and 6 months
Minimum age to get a full driver’s license in Indiana: 18

Teens, Mobile Phones and Texting While Driving

Drivers under the age of 18 in Indiana are prohibited from using any type of hand-held or hands-free electronic communication device while driving. This includes talking on a mobile phone and texting.

Road Trips and Scenic Drives in Indiana

Indiana's Historic Pathways

Two ancient transportation, trade and migratory routes in southern Indiana intersect to form the Historic Pathways. The first pathway follows U.S. Route 50 west from Lawrenceburg to Vincennes. The second pathway heads northwest on U.S. Route 150 from New Albany to Shoals and closely follows part of the Old Buffalo Trace, a migratory route used by American bison for centuries.

Heritage Trail

Winding through northern Indiana, the Heritage Trail is a 90-mile route of small towns and back roads through Amish country. Stop at historical markers, galleries and Amish furniture stores along the way.

Things to Do in Indiana

Watch Some Auto Racing

The Indianapolis Motor Speedway is the world’s largest capacity sports arena and hosts three motorsport events a year. If you happen to visit when there isn’t a race happening, you can also check out the Hall of Fame museum. See the 1911 Marmon Wasp and more than 30 additional historic Indianapolis 500 winning racing cars.

Smell the Flowers at Quilt Gardens

19 gardens across Elkhart County in northern Indiana are planted with hundreds of thousands of blooming annuals in patterns that resemble and mimic beautiful Amish quilts.

Fun Facts About Indiana

State nickname: The Hoosier State/td>
Residents are called: Hoosiers
Origin of the word Hoosier: Unknown or disputed
NBA teams: Indiana Pacers
NFL teams: Indianapolis Colts
Native basketball legend: Larry Bird
Native pop star: Michael Jackson
Native late night host: David Letterman
Mythical snapping turtle: Beast of Busco
State dessert: Sugar cream pie
Native aviation pioneer: Wilbur Wright
© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506