Indiana Car Insurance (The Only Guide You’ll Ever Need)

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Indiana Car Insurance (The Only Guide You’ll Ever Need)

Daniel Walker
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UPDATED: Mar 20, 2020

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Indiana Car Insurance (The Only Guide You’ll Ever Need)

Indiana Statistics Summary
Road Miles 2015Total in State: 96,571
Vehicle Miles Driven: 78,819
Vehicles 2015Registered: 5,821,744
Total Stolen: 13,519
State Population6,691,878
Percentage of Motorists Uninsured16.7%
State Rank: 8th
Most Popular VehicleSilverado 1500
Driving DeathsSpeeding (2008-2017) Total: 208
Drunk Driving (2008-2017) Total: 914
Cheapest ProviderUSAA
Average Premiums 2018 (Annual)Liability: $382.68
Collision: $250.29
Comprehensive: $122.06
Combined Premiums: $755.03

Nobody quite knows what a Hoosier is, but everybody knows that Indiana is the Hoosier State. Home to two Big Ten schools and a whole lot of corn, Indiana sits at the heart of the Midwest, with Indianapolis serving as the Crossroads of America.

Think of it this way: if all roads once led to Rome, most of them now lead to Indianapolis. A lot of roads means a lot of cars come crossing through the state. With a lot of cars comes the need for a hefty amount of insurance.

That said, shopping for insurance isn’t exactly easy. There are hundreds of providers in operation in Indiana, and all of them offer to fill your needs in different ways. If you want to compare the details of each, you’re going to have to set aside a significant amount of time to do so.

The good news is that you don’t have to do that research on your own. We know what it’s like to try and find the best kind of insurance for your lifestyle. That’s why we’re here to help.

In this guide, you’ll be able to compare Indiana’s largest car insurance providers by rates, availability by city and ZIP code, discounts, and more. Not only that, but you’ll learn a little more about the rules of the road in Indiana and how you can keep your rates low by driving with care.

If you’re one of the 6.63 million Indiana residents, or if you want to move to the Hoosier state, you can use this guide to protect yourself and your vehicle from the dangers of the road.

Want to start comparing rates right away? You can use our FREE online tool to find the most affordable car insurance in your area. Just enter your ZIP code to get started.

Table of Contents

Indiana Car Insurance Coverage & Rates

Driving through Indiana is always interesting. Whether you’re passing around Indianapolis on I-465 or taking back roads past farmhouses and cornfields, you’re bound to come across a good view. Fun fact about Indiana: if you drive in the right direction, you may just come across Santa Claus, Indiana, home to Santa’s post office and helpful elves.

To drive safely to Santa Claus or any other Indiana destination, though, you need to have the right insurance. Here, we’ll touch on the state’s minimum required liability coverage, different forms of financial responsibility, and basic rate variables that may change how much you have to pay for your insurance.

Ready to get started? Then let’s go.

Indiana Minimum Coverage

Each state has its own minimum required liability coverage. Indiana’s breakdown is as follows:

All this coverage is designed to keep you and any passengers in your vehicle safe and financially secure in case you get into an accident of any kind, be that accident fatal or otherwise. You must have this coverage to drive legally in Indiana.

Why?

Because Indiana is an at-fault state.

Say you get into a car accident as an Indiana resident. Legal representatives will have to decide whether the accident was your fault or if it was the fault of the other party. If you’re determined to be at fault, you’re deemed responsible not only for your expenses post-accident, but also for the financial expenses of the other party.

That’s why such comprehensive minimum required liability coverage comes in handy. It protects you from any expenses you might incur if you’re determined to be at fault after an accident.

Forms of Financial Responsibility

If you get pulled over or into an accident in Indiana, law enforcement representatives will ask you to show them a form of financial responsibility, otherwise known as proof of insurance. Indiana counts the following documents as valid proof of insurance:

  • An insurance card, either as a physical copy or an electronic copy
  • An SR-22, should you have been in an accident in the past

Note that SR-22 insurance operates as a temporary form of insurance that all first-time offenders must have on hand when they get behind the wheel of a car.

Premiums as a Percentage of Income

The cost of your insurance will come out of your per capita disposable income. That per capita disposable income consists of the amount of money you have available after you’ve paid your taxes for the year.

In Indiana, residents made $28,323 per year as of 2014. That represents the amount of money they had to spend on things like groceries, rent, utilities, and car insurance.

The average annual cost of car insurance in Indiana represents 2 percent of a resident’s annual income. That comes to $566.46 a year for the state’s average coverage.

Core Coverage

Not all coverage is equal, though. You’ll be able to secure different kinds of coverage for different rates, as you can see in the table below:

Coverage TypeAnnual Costs (2015)
Liability$382.68
Collision$250.29
Comprehensive$122.06
Combined$755.03

Note that the above data comes from the NAIC’s 2015 report. Rates as of 2019 and beyond will be more expensive than those listed here.

Additional Liability

Indiana currently ranks at eighth in the nation of uninsured drivers. That means that 16.7 percent of Indiana residents get behind the wheel of a vehicle without being properly insured.

In light of this information, you may be interested in investing in uninsured/underinsured motorist coverage that exceeds the state’s minimum requirements. You may also want to invest in MedPay coverage. The loss ratios for both forms of liability coverage are listed below:

Loss Ratio201320142015
Medical Pay (MedPay)79.55%82.86%85.48%
Uninsured/Underinsured Motorist Coverage (UUM)60.33%64.13%73.42%

Loss ratios reflect the ability of applicable companies to fulfill claims issued by drivers.

A loss ratio over 100 percent suggests a company will pay out on claims, but it may also not be as financially stable as it could be. Comparably, a loss ratio below 60 percent suggests that while a company may be financially stable, it won’t be as willing to pay out on driver claims.

With that in mind, you can debate whether taking on additional liability coverage is worth the expense. With the percentage of uninsured drivers on the road in Indiana so high, loss ratios between 60-90 percent are pretty good to work with.

Add-Ons, Endorsements, & Riders

You can explore additional, optional coverage by considering some of the add-ons below. Click on the available links to learn more:

Demographic Rates in Indiana

The myths surrounding men and women drivers differ. Some sources say women have to pay more for their car insurance, whereas others suggest men’s reckless driving will cost them more in the long run.

Take a look at rate differentiation in Indiana:

CompanyMarried 35-year old FemaleMarried 35-year old MaleMarried 60-year old FemaleMarried 60-year old MaleSingle 17-year old FemaleSingle 17-year old MaleSingle 25-year old FemaleSingle 25-year old Male
Allstate P&C$2,461.65$2,522.04$2,161.34$2,364.89$7,566.53$9,542.11$2,500.79$2,718.57
American Family Mutual$2,305.56$2,305.56$2,072.87$2,072.87$6,342.08$9,188.19$2,305.56$2,839.57
First Liberty Ins Corp$3,951.85$3,951.85$3,632.20$3,632.20$8,652.09$13,064.06$3,951.85$5,418.04
Geico Cas$1,543.08$1,533.98$1,441.76$1,492.21$4,534.08$4,216.98$1,765.37$1,558.45
Illinois Farmers Ins 2.0$1,558.68$1,538.30$1,333.35$1,497.61$8,369.82$8,927.88$2,053.19$2,219.06
Nationwide Mutual$1,670.50$1,708.99$1,463.84$1,564.29$4,865.35$6,323.43$1,959.23$2,144.10
Progressive Paloverde$1,659.70$1,570.98$1,503.23$1,513.35$9,753.71$10,976.02$2,081.70$2,125.43
State Farm Mutual Auto$1,480.20$1,480.20$1,318.52$1,318.52$4,476.08$5,736.50$1,637.30$1,821.69
Travco Ins Co$1,225.25$1,246.82$1,148.12$1,147.95$7,586.22$11,997.40$1,295.87$1,500.67
USAA$1,039.00$1,023.39$966.69$974.02$2,894.49$3,235.29$1,404.62$1,503.00

As you can see, age has more of an impact on your rates than gender does. The older you get, the more likely it is you’ll see your rate level out, regardless of your gender. By the time drivers hit middle age, as you can see above, the premiums they’ll see should be balanced. In some cases, women even have to pay more than their male companions.

Indiana Car Insurance Companies

Now that you know a little more about Indiana’s insurance requirements, let’s consider the different car insurance providers who could help you meet those needs.

The Largest Companies’ Financial Ratings

A.M. Best outlines individual insurance companies’ financial ratings, as you can see below:

Company Group NameDirect Premiums WrittenLoss RatioMarket Share
Allstate Insurance Group$287,39051.71%7.61%
American Family Insurance Group$171,18661.90%4.54%
Auto-Owners Group$91,97666.46%2.44%
Erie Insurance Group$143,26172.18%3.80%
Geico$233,42867.85%6.18%
Indiana Farm Bureau Group$277,06568.18%7.34%
Liberty Mutual Group$185,53063.31%4.92%
Progressive Group$428,46658.96%11.35%
State Farm Group$907,71060.03%24.05%
USAA Group$98,40272.82%2.61%
State Total$3,774,28661.91%100.00%

Companies with the Best Ratings

Customer experience and satisfaction also contribute to a company’s state-wide reputation:

JD Power north central auto insurance rating

Companies with the Most Complaints in Indiana

Complaints are among the most informative forms of data when it comes to insurance. While you can’t always take them at face value, you should keep them in mind when choosing a company to work with.

RankCompanyComplaint Index
1Erie0.11
2Indiana Farm Bureau0.17
3Farmers0.34
4Wolverine Mutual0.37
5Hastings Mutual0.43
6Kemper Specialty0.47
7Cincinnati Insurance0.58
8State Auto0.66
9Pekin Insurance0.67
10State Farm0.69
11American Family0.82
12Indiana Farmers Mutual0.83
13Cal Casualty0.92
14Western Reserve1.05
15Allstate1.22
16Victoria1.27
17Grange Mutual1.29
18General Casualty1.31
19The General1.33
20Liberty Mutual1.62
21Hanover1.73
22Sentry2.98
23Safe Auto4.03
24Titan5.23
25The Hartford8.19
26InsureMax9.57
27American Freedom14.98

Indiana Car Insurances Rates by Company

We know that your budget is one of the biggest factors you have to consider when choosing a car insurance provider. That’s why we’ve gathered a list of the most affordable providers in Indiana for you to peruse.

CompanyAverageCompared to State Average 
Allstate P&C$3,979.74$661.6216.62%
American Family Mutual$3,679.03$360.919.81%
First Liberty Ins Corp$5,781.77$2,463.6542.61%
Geico Cas$2,260.74-$1,057.38-46.77%
Illinois Farmers Ins 2.0$3,437.24$119.113.47%
Nationwide Mutual$2,712.47-$605.66-22.33%
Progressive Paloverde$3,898.01$579.8914.88%
State Farm Mutual Auto$2,408.63-$909.49-37.76%
Travco Ins Co$3,393.54$75.422.22%
USAA$1,630.06-$1,688.06-103.56%

Commute Rates by Company

As you can see in the table below, the distance of your morning commute is going to impact your car insurance rate:

GroupCommute and Annual MileageAnnual Average
Allstate10 miles commute. 6000 annual mileage.$3,979.74
Allstate25 miles commute. 12000 annual mileage.$3,979.74
American Family10 miles commute. 6000 annual mileage.$3,634.66
American Family25 miles commute. 12000 annual mileage.$3,723.40
Farmers10 miles commute. 6000 annual mileage.$3,437.24
Farmers25 miles commute. 12000 annual mileage.$3,437.24
Geico10 miles commute. 6000 annual mileage.$2,220.59
Geico25 miles commute. 12000 annual mileage.$2,300.89
Liberty Mutual10 miles commute. 6000 annual mileage.$5,628.11
Liberty Mutual25 miles commute. 12000 annual mileage.$5,935.42
Nationwide10 miles commute. 6000 annual mileage.$2,712.47
Nationwide25 miles commute. 12000 annual mileage.$2,712.47
Progressive10 miles commute. 6000 annual mileage.$3,898.01
Progressive25 miles commute. 12000 annual mileage.$3,898.01
State Farm10 miles commute. 6000 annual mileage.$2,340.29
State Farm25 miles commute. 12000 annual mileage.$2,476.96
Travelers10 miles commute. 6000 annual mileage.$3,393.54
Travelers25 miles commute. 12000 annual mileage.$3,393.54
USAA10 miles commute. 6000 annual mileage.$1,608.43
USAA25 miles commute. 12000 annual mileage.$1,651.69

Coverage Levels by Company

Your chosen level of coverage is going to impact the amount you’re expected to pay:

GroupCoverage TypeAnnual Average
AllstateHigh$4,185.52
AllstateMedium$3,964.38
AllstateLow$3,789.32
American FamilyHigh$3,591.92
American FamilyMedium$3,800.78
American FamilyLow$3,644.40
FarmersHigh$3,565.78
FarmersMedium$3,430.50
FarmersLow$3,315.42
GeicoHigh$2,407.42
GeicoMedium$2,254.59
GeicoLow$2,120.21
Liberty MutualHigh$5,985.03
Liberty MutualMedium$5,766.94
Liberty MutualLow$5,593.34
NationwideHigh$2,691.75
NationwideMedium$2,690.85
NationwideLow$2,754.80
ProgressiveHigh$4,174.68
ProgressiveMedium$3,837.21
ProgressiveLow$3,682.14
State FarmHigh$2,522.50
State FarmMedium$2,407.80
State FarmLow$2,295.59
TravelersHigh$3,428.83
TravelersMedium$3,425.20
TravelersLow$3,326.58
USAAHigh$1,692.31
USAAMedium$1,626.02
USAALow$1,571.85

Credit History Rates by Company

Your credit history reflects your ability to pay back the money you owe to different organizations. Naturally, car insurance providers are going to take your credit history into account when offering you a rate.

GroupCredit HistoryAnnual Average
AllstateGood$3,334.15
AllstateFair$3,670.06
AllstatePoor$4,935.01
American FamilyGood$2,736.23
American FamilyFair$3,268.20
American FamilyPoor$5,032.66
FarmersGood$3,030.19
FarmersFair$3,270.65
FarmersPoor$4,010.86
GeicoGood$1,801.53
GeicoFair$2,260.74
GeicoPoor$2,719.94
Liberty MutualGood$4,635.00
Liberty MutualFair$5,011.70
Liberty MutualPoor$7,698.61
NationwideGood$2,439.73
NationwideFair$2,608.92
NationwidePoor$3,088.75
ProgressiveGood$3,588.61
ProgressiveFair$3,806.34
ProgressivePoor$4,299.10
State FarmGood$1,623.32
State FarmFair$2,093.59
State FarmPoor$3,508.97
TravelersGood$3,199.76
TravelersFair$3,202.05
TravelersPoor$3,778.81
USAAGood$1,243.51
USAAFair$1,450.78
USAAPoor$2,195.89

Driving Record Rates by Company

Your driving history reflects both your knowledge of the rules of the road and your ability to work within them.

GroupDriving RecordAnnual Average
AllstateClean record$3,175.58
AllstateWith 1 accident$4,665.22
AllstateWith 1 DUI$4,301.12
AllstateWith 1 speeding violation$3,777.03
American FamilyClean record$2,536.03
American FamilyWith 1 accident$4,041.92
American FamilyWith 1 DUI$5,117.20
American FamilyWith 1 speeding violation$3,020.98
FarmersClean record$3,075.51
FarmersWith 1 accident$3,585.45
FarmersWith 1 DUI$3,692.93
FarmersWith 1 speeding violation$3,395.05
GeicoClean record$1,483.91
GeicoWith 1 accident$2,335.58
GeicoWith 1 DUI$3,162.96
GeicoWith 1 speeding violation$2,060.50
Liberty MutualClean record$4,509.08
Liberty MutualWith 1 accident$5,317.03
Liberty MutualWith 1 DUI$8,331.91
Liberty MutualWith 1 speeding violation$4,969.05
NationwideClean record$2,332.31
NationwideWith 1 accident$3,007.11
NationwideWith 1 DUI$2,883.35
NationwideWith 1 speeding violation$2,627.10
ProgressiveClean record$2,920.42
ProgressiveWith 1 accident$5,121.94
ProgressiveWith 1 DUI$3,485.71
ProgressiveWith 1 speeding violation$4,063.99
State FarmClean record$2,352.06
State FarmWith 1 accident$2,578.33
State FarmWith 1 DUI$2,352.06
State FarmWith 1 speeding violation$2,352.06
TravelersClean record$2,882.59
TravelersWith 1 accident$3,562.38
TravelersWith 1 DUI$4,036.63
TravelersWith 1 speeding violation$3,092.54
USAAClean record$1,231.12
USAAWith 1 accident$1,752.37
USAAWith 1 DUI$2,010.62
USAAWith 1 speeding violation$1,526.13

High-risk drivers are frequently charged more for their coverage than low-risk drivers.

Number of Insurers in Indiana

Domestic and foreign insurers are titles that don’t use their titular terms in the traditional sense. Domestic providers are providers who are present only in a specific state. Foreign insurers, comparatively, are providers who make their policies available just about everywhere.

You can see Indiana’s breakdown of its domestic and foreign insurers here:

Domestic64
Foreign958
Total1022

Indiana State Laws

With some finances out of the way, we can touch on the laws that change the way insurers have to interact with Indiana drivers.

That said, not all of us speak legalese. Breaking down Indiana’s laws takes a bit of time. It’s especially important to consider these legalities, though, because you may find that they differ from the other states’.

The good news is that you don’t have to tackle that research on your own. We’re here to guide you through the legal mumbo jumbo that keeps Indiana operating. So, whether you’re dealing with your first ticket or worried about the consequences of driving without insurance, don’t fret. We’ll walk you through the legalities to ensure you stay on the right side of the law.

Car Insurance Laws

Every state takes different factors into account when determining the laws drivers have to abide by. Liability insurance, for example, varies in each state due to this process, but so do speed limits, drunk driving consequences, and seating requirements.

High-Risk Insurance

If you have a spotty driving history, you may have to seek out high-risk insurance. High-risk insurance, or an SR-22, is a type of insurance that high-risk drivers are required to add to their existing coverage after a conviction or similar punishment.

You may be required to get an SR-22 if you’ve received any of the following:

  • DUI conviction
  • Reprimand for driving without insurance
  • Reprimand for driving with a suspended license
  • Reprimand for leaving the scene of an accident

Low-Cost Insurance

Indiana does not offer car insurance programs for low-income families that would ease the pressure of paying for car insurance. However, drivers can seek out discounts to make the cost of insurance more bearable.

Be sure to ask your provider of choice if you or your family are eligible for any of the following:

  • Accident-Free Discount
  • Affiliation Discount (this would be any discounts through your employer, school, team, etc.)
  • Anti-Theft Discounts (i.e. if you have alarms, tracking systems, etc on your vehicle)
  • Auto-Pay Discounts (if you were to set up automatic payments from checking — some providers refer to it as a Paper-Saving Discount)
  • Good Student Discount
  • Homeowner’s Discount
  • Multi-car Discount
  • Green/Hybrid Car Discount (if you own/lease a hybrid or electric vehicle)

Be sure you shop around to find the best coverage for you that is equally cost-effective.

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Automobile Insurance Fraud in Indiana

The insurance industry sees 10 percent of its operating costs go to enduring fraudulent claims or accounts over a year.

There are two different types of automobile fraud.

  • Hard fraud sees a driver deliberately falsifying a claim or faking an accident to receive compensation
  • Soft fraud sees a driver padding a claim or misrepresenting accident information to an insurance provider

Soft fraud is the more common of these two types of fraud.

Even though you may think you’re just telling a white lie, soft fraud is considered a misdemeanor, and lying on your claim is considered a Class 5 Felony.

Windshield Coverage

Several states require drivers to have windshield coverage provided by their insurance company. This kind of coverage keeps drivers from taking to the road with a cracked or broken windshield.

Indiana does not require insurance providers to offer windshield coverage, nor does it require drivers to obtain windshield coverage.

That doesn’t mean you shouldn’t consider including windshield coverage in the coverage you take on. Windshield coverage keeps you from having to dig into your bank account to pay for part replacement.

In Indiana, vehicles that are less than five years old can choose between OEM, aftermarket, or used parts when looking to replace a damaged windshield.

Statute of Limitations

You have a limited amount of time to file a claim after an accident takes place. The statute of limitations for different types of damage claims break down as follows:

  • Personal Injury Claims: Two Years
  • Property Damage Claims: Two Years

“No Pay, No Play” in Indiana

Indiana is, unfortunately, a haven for drivers trying to take to the roads without car insurance. Because Indiana is an at-fault state, they’ve had an easier time getting away with doing so. Drivers without insurance only need to successfully argue that they’re not responsible for any of the accidents they get into, and they’ll not have to pay for any of their damages.

In response to this, Indiana instituted new statutes designed to limit the amount of money insured drivers have to pay upon getting into accidents with uninsured drivers. If the uninsured driver has a history of not paying for their accidents and not seeking out car insurance, they won’t be able to collect “non-economic” damages from the at-fault driver. These damages include:

  • Emotional/Physical Pain and Suffering
  • Physical Impairment
  • Loss of Enjoyment/Companionship/Services
  • Other Non-Pecuniary Loss

Vehicle Licensing Laws

Driving without insurance seems tempting to those looking to save a quick buck. However, getting caught without insurance or proper vehicular registration can cost you more than a bit of money. Indiana has instated the following penalties to punish drivers who take to the road without the state’s minimum required insurance coverage:

  • First Offense: License and registration suspension for between 90 days and one year
  • Second Offense: License and registration suspension for up to one year or more

Teen Driver Laws

Most teenagers are eager to get behind the wheel of a car. In Indiana, teens as young as 15 years old can apply for a learner’s permit and start familiarizing themselves with Indiana’s roadways. To get their full license, teenage drivers will need to meet the following requirements:

Teen Requirements for Getting a License in IndianaTime
Mandatory Holding Period6 months
Minimum Supervised Driving Time50 hours, 10 of which must be at night
Minimum Age16 years old (3 months with drivers education ; 9 months without)

Teenagers must also abide by night driving and passenger restrictions until they age past 18. Those restrictions break down as follows:

  • No driving between the hours of 10 p.m.-5 a.m. during the first six months a driver has their license.
  • After the first six months, no driving between the hours of 11 p.m.-5 a.m. Sunday-Friday or 1 a.m.-5 a.m. Saturday-Sunday until the driver in question receives their full license.
  • During and after the first six months, no passengers may ride in a teen driver’s vehicle except for family members.

License Renewal Procedures

Indiana residents need to renew their licenses on a six-year cycle. The good news is the state has migrated its renewal process. Nowadays, so long as you’re not a teenager or older driver, you can renew your license online.

That said, you’ll need to submit proof of adequate vision every 10 years, meaning that you’ll need to make every other renewal in-person.

Older Driver License Renewal Procedures

The renewal process is a little more difficult for older drivers. Drivers between the ages of 75-84 need to renew their licenses on a three-year cycle. Anyone driving past the age of 85 needs to renew their license on a two-year cycle.

Drivers in both these age groups also need to submit a vision test with every license renewal. These drivers are also unable to submit their renewals online or through the mail and must come to the DMV in person.

New Residents

If you’ve just moved to Indiana, you’ll need to make sure you comply with the state’s insurance, license, and registration requirements. This means either raising or lowering your insurance coverage to meet Indiana’s minimum liability insurance policy.

As a reminder, Indiana’s minimum required liability coverage breaks down as follows:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident
  • $25,000 property damage liability coverage
  • $50,000 underinsured motorist coverage

Negligent Drivers

Indiana law defines a negligent driver as someone who, while driving recklessly, places themselves, other people, and property at risk. Indiana is quick to charge negligent drivers, as can be seen in the list of consequences below.

Negligent drivers face the following:

  • $1,000 or more fine
  • A year-long license suspension
  • 180 days of jail time

Indiana Rules of the Road

Those are the legalities you’ll come across in Indiana. What are the rules of the road, though, and how will you need to interact with other drivers while moving from Point A to Point B?

Fault vs. No-Fault

As mentioned, Indiana is an at-fault state. This means that, at the time of an accident, one driver will be determined as the “at-fault” party — the party who was responsible for the accident. That party will then have to take on the financial responsibilities of both the injured party and their own vehicle, as any costs arise in relation to the accident.

Keep Right & Move Over

If you are driving more slowly than the posted speed limit, or if you are not looking to pass a car in front of you, Indiana law dictates you must remain in the right-hand lane of the applicable interstate.

You must also move over for vehicles that have their lights flashing, regardless of whether they’re clearly marked as emergency vehicles. These vehicles include but are not limited to:

  • Police cruisers
  • Ambulances
  • Firetrucks
  • Tow trucks
  • Recovery vehicles

Speed Limits

It’s tempting, when you’re looking out at an empty road flanked by cornfields, to lean a little heavily on the acceleration. However, doing so can readily net you a speeding ticket.

Indiana’s speed limits in rural and urban areas break down as follows:

Type of Roadway Speed Limit
Rural Interstates70 mph (65 mph for trucks)
Urban Interstates55 mph
Other Limited Access Roads60 mph
Other Roads55 mph

Note, too, that these are the maximum speeds you’re legally allowed to go on applicable roads. If you want to avoid an unnecessary fine, leave the Speed Racer fantasies for video games. The real world has real consequences that you’ll have to face if you aren’t careful.

Seat Belt & Car Seat Safety

Indiana legislators have crafted laws designed to keep children and adults safer in cars. This means strict seat belt and car seat laws. You can find more information about these laws in the tables below:

Seat Belts DetailsLaws
Effective SinceJuly 1, 1987
Primary EnforcementYes; effective since July 1, 1998
Age/Seats Applicable16+ years old in all seats
1st Offense Maximum Fine$25

Note that “primary enforcement,” as detailed above, means that police officers can stop you for not wearing a seat belt and they need no other reason to pull you over to the size of the road.

Car Seat RequirementsAge/Fine
Child Safety Seat7 years old or younger
Adult Belt Permissable8 through 15 years old
Maximum fine for first time offense$25

At this point, Indiana does not have laws in place that dictate whether a person can ride in the cargo area of a pickup truck.

Ridesharing

Ridesharing has seen a distinct uptick over the past few years. Uber and Lyft now serve as viable career opportunities for drivers willing to share their time and vehicles. Before you start working for one of these employers, though, you need to make sure that your car insurance covers ridesharing.

Currently, the following Indiana insurers have ridesharing insurance on their rosters:

  • Allstate
  • Erie
  • Farmers
  • Geico
  • Safeco
  • State Farm
  • USAA

Automation on the Road

Self-driving vehicles are still being tested around the United States, but they’ve yet to take to the roads. Right now, “automation” refers primarily to platooning technology, or technologies designed to keep groups of vehicles together while traveling on the road. Trucks and buses typically use these sorts of technologies to stay within a reasonable distance of one another.

These sorts of automated technologies also include cruise control or vehicle detection.

At this point, Indiana does not have any laws in place that limit the use of these sorts of technologies.

Safety Laws

Accidents can’t always be avoided. There are certain behaviors, however, that make a person more inclined to an accident. Drinking and driving or driving while distracted both put a person at greater risk for an accident. Let’s dive into some of the statistics regarding both of these behaviors and their in-state consequences.

DUI Laws

Indiana saw 220 alcohol-related fatalities in 2017 alone. That number serves as a testament to the need for strict DUI laws throughout the states. You can see outlines of DUI laws and consequences in the tables below:

Indiana DUI DetailsLaws
Offense NameOperating While Intoxicated (OWI)
BAC Limit0.08
High BAC Limit0.15
Criminal Status1st class C misdemeanor, 1st High BAC class A misdemeanor; subsequent convictions within 5 years class D felony
Look Back Period5 years
Indiana DUI - 1st OffensePenalties
License Revoked Period 30 days - 2 years OR probation with rehabilitation course
Jail Timeno minimum but up to 1 year
Fine$500 - $5,000
Othermay be required to: attend victim impact panel, submit to urine testing and other terms of probation
Indiana DUI - 2nd OffensePenalty
License Revoked Period180 days - 2 years
Jail Time5 days - 3 years AND/OR community service
Fineno minimum, but up to $10,000
Othersame as 1st offense
Indiana DUI - 3rd OffensePenalty
License Revoked Period1-10 years
Jail Time10 days-3 years AND/OR community service
Finesno minimum, but up to $10,000
Othersame as 1st Offense

Indiana refers to drinking and driving as Operating While Intoxicated. You will face significant fines and potential jail time should you be caught behind the wheel while intoxicated. Even after you’ve faced those consequences, you’ll be expected to pay higher insurance premiums to better protect yourself.

Leave the drinking for your time at home, or make sure you have a designated driver on tap to get you back to where you need to be safely. If you don’t, you’ll suffer severe consequences.

Distracted Driving Laws

Almost everyone has a cellphone on them today. Thus, the temptation to check your phone while driving has increased.

Indiana has responded to this trend with reasonably strict texting bans, as you can see below:

Hand-held banYoung driver cell phone banTexting banEnforcement
NoDrivers younger than 21All DriversPrimary (officers can pull a driver over JUST for texting)

Text messages aren’t worth your life while you’re on the road. You need to wait until you’ve come to a complete stop to check your phone.

Driving in Indiana

Vehicle Theft in Indiana

There are certain types of vehicles more likely to be stolen in Indiana than others, as you can see in the table below:

RankMake/ModelYear of VehicleNumber of Thefts
1Ford Pickup (Full Size)2005659
2Chevrolet Pickup (Full Size)1994619
3Chevrolet Impala2004423
4Dodge Pickup (Full Size)2001263
5Chevrolet Malibu2005238
6GMC Pickup (Full Size)1995192
7Honda Accord1994186
7Chevrolet Pickup (Small Size)1998186
9Pontiac Grand Prix2004183
10Ford Taurus2003182

That said, different cities have higher risks of vehicular theft than others, as detailed here:

Indiana Vehicle Thefts by CityCity PopulationMotor Vehicle Theft
Albion2,3440
Alexandria5,0607
Anderson55,367230
Angola8,5874
Auburn12,80212
Aurora3,7214
Batesville6,4894
Bedford13,40032
Beech Grove14,38464
Berne3,9643
Bloomington82,415148
Boonville6,1979
Bremen4,5974
Brownsburg22,90826
Carmel84,88043
Cedar Lake11,68812
Chesterfield2,5083
Clarksville21,86547
Clinton4,8105
Columbia City8,8507
Columbus45,874129
Crawfordsville16,05521
Cumberland5,2188
Danville9,1517
Decatur9,34510
Delphi2,8872
Dyer16,36913
East Chicago29,397225
Edinburgh4,5093
Ellettsville6,5841
Elwood8,49219
Evansville120,284492
Fairmount2,9061
Fishers83,35829
Fort Wayne254,820386
Franklin24,0349
Garrett6,29116
Gary78,819732
Goshen32,19570
Greenfield21,17517
Greensburg11,6752
Greenwood53,20888
Griffith16,67154
Hagerstown1,7643
Hammond79,329406
Hartford City6,0534
Highland23,37254
Hobart28,63185
Huntington17,2719
Indianapolis850,2205,005
Jasper15,1956
Jeffersonville45,846139
Knox3,6570
Kokomo56,878114
Lafayette68,173232
Lake Station12,33561
La Porte22,11229
Lawrenceburg5,0120
Ligonier4,3853
Linton5,3591
Long Beach1,1733
Lowell1,1733
Marion29,54975
Martinsville11,82336
Merrillville35,756112
Mishawaka47,967140
Mooresville9,49030
Mount Vernon6,58619
Muncie70,059154
Nappanee6,6945
New Albany36,490134
New Haven15,57527
New Whiteland5,6683
North Judson1,7591
North Liberty1,8900
North Manchester5,9870
North Vernon6,64016
Peru11,2195
Plainfield29,64453
Plymouth10,0349
Portage36,86245
Porter4,8836
Portland6,27818
Rensselaer5,9052
Rushville6,2048
Schererville28,05432
Scottsburg6,6147
Sellersburg6,15015
Seymour18,655100
Shelbyville19,15928
South Bend100,711326
South Whitley1,7281
Speedway11,96746
Tell City7,2287
Terre Haute61,215281
Tipton4,9835
Valparaiso32,09023
Walkerton2,2845
Warsaw13,89716
Washington11,81340
Waterloo2,2404
Westfield32,69812
West Lafayette30,68716
Whitestown3,7785
Whiting4,91820
Winchester4,8666
Winona Lake4,9340
Zionsville24,4333

Road Fatalities in Indiana

There are other roadway concerns you’ll need to keep an eye out for beyond theft. As you’re driving through Indiana, make sure you watch out for the other drivers on the road to better avoid becoming a statistic.

Here’s what you need to know to drive safely on Indiana’s interstates.

Most Fatal Highway in Indiana

U.S. 41 in Indiana sees the most fatalities of all Indiana’s highways over a year. There is an average of 11.1 fatalities on this rural roadway, suggesting that rural locations in Indiana are more prone to fatal accidents than urban ones.

Traffic Fatalities by Weather Condition & Light Condition

Different weather and light conditions can impact the way that drivers can operate on the road. Take a look at how both factors cause fatalities in Indiana:

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal412110203261752
Rain238233057
Snow/Sleet10150016
Other5060011
Unknown000000
TOTAL450119237291836

Fatalities by County

We can’t control the weather or the nature of the highway we’re driving on. There are some fatalities, however, that we have a little more control over. Take a look at the following data to learn more about Indiana’s different fatalities and how often each occurs in the state.

Traffic Fatalities by Road Type

Location also impacts the likelihood of a car accident, as you can see in the table below:

Road Type2008200920102011201220132014201520162017
Rural530418474477524535472521543555
Urban290275280274257249273296285357
Unknown0000000012
Total820693754751781784745817829914

Fatalities by Person Type

Person type is also likely to impact fatality statistics. “Person type” here refers to a person’s relationship to a vehicle as opposed to any other demographic statistics.

Indiana Traffic Fatalities by Person Type20132014201520162017
Passenger Car Occupants321258326331355
Light Pickup Truck Occupants951018811890
Light Utility Truck Occupants849211598124
Large Truck Occupants1615161417
Other/Unknown Occupants91191814
Van Occupants4542413444
Bus Occupants41001
Motorcyclists115124108101149
Pedestrians76789687101
Bicyclists and Other Cyclists1412121913
Other/Unknown Non-occupants58576
State Total784745817829914

As you can see, passengers are the people most frequently involved in fatalities. Motorists are also high up on the list of potential fatality victims.

Fatalities by Crash Type

There are also specific crash types that most frequently result in fatalities:

Crash Type20132014201520162017
Single Vehicle431397443436455
Involving a Large Truck117128118108138
Involving Speeding218204233213208
Involving a Rollover162166181176173
Involving a Roadway Departure447406435454471
Involving an Intersection (or Intersection Related)192189217221261
Total Fatalities (All Crashes)784745817829914

Five-Year Trend for the Top 10 Counties

The table below relays the top 10 counties in Indiana that happen to see the most accidents over a year.

County Name20132014201520162017
Marion808397104102
Lake4748595051
Allen3131303643
Porter1613221928
La Porte1821101927
St. Joseph2023122227
Elkhart2120331626
Tippecanoe24619723
Vanderburgh2120151621
Gibson46141019

Fatalities Involving Speeding

We’ve already touched briefly on the dangers of speeding anywhere in the nation. Even so, Indiana sees its fair share of speeders on the interstates. Speeding often results in fatalities, as detailed in the table below:

County NameFatalities 20132014201520162017Fatalities Per 100K Population 20132014201520162017
Adams013010.002.888.580.002.82
Allen81087152.202.742.181.894.02
Bartholomew035310.003.736.153.661.22
Benton000000.000.000.000.000.00
Blackford000000.000.000.000.000.00
Boone023120.003.254.761.563.04
Brown3010119.930.006.670.006.65
Carroll3311014.9115.035.035.010.00
Cass121312.595.202.627.892.63
Clark416343.550.885.222.593.42
Clay6002322.510.000.007.6311.45
Clinton204246.100.0012.346.2012.38
Crawford2110018.839.379.470.000.00
Daviess311119.293.063.053.033.02
De Kalb243124.739.447.072.354.67
Dearborn202214.020.004.044.042.01
Decatur210107.633.780.003.750.00
Delaware733325.992.582.592.601.74
Dubois441019.469.462.360.002.35
Elkhart9812394.493.975.901.474.39
Fayette022100.008.538.554.300.00
Floyd323323.952.633.923.912.60
Fountain100105.920.000.006.070.00
Franklin3102013.074.360.008.800.00
Fulton002100.000.009.844.970.00
Gibson026340.005.9317.858.9311.91
Grant332214.354.392.962.991.50
Greene111133.063.063.093.109.32
Hamilton125320.340.661.620.950.62
Hancock211122.821.391.381.362.67
Harrison315327.692.5512.657.565.01
Hendricks321701.961.280.634.370.00
Henry213324.092.056.166.204.13
Howard313203.631.213.642.430.00
Huntington103132.720.008.222.758.26
Jackson024140.004.579.112.289.11
Jasper4323111.978.955.978.982.99
Jay001000.000.004.730.000.00
Jefferson131143.099.263.093.1012.47
Jennings000340.000.000.0010.8614.48
Johnson112110.690.681.340.660.65
Knox203025.260.007.950.005.33
Kosciusko010210.001.270.002.531.26
La Porte573954.496.272.718.174.54
Lagrange4324410.507.805.1810.2210.18
Lake2421259154.884.285.121.853.09
Lawrence021010.004.382.190.002.19
Madison141150.773.080.770.773.86
Marion23203031182.472.143.193.281.89
Marshall120202.134.260.004.290.00
Martin101009.780.009.790.000.00
Miami5013013.820.002.788.320.00
Monroe021910.001.390.696.180.68
Montgomery321117.875.242.612.612.60
Morgan324324.332.885.754.312.87
Newton001040.000.007.150.0028.31
Noble331006.356.332.100.000.00
Ohio1001116.680.000.0016.9817.16
Orange2001010.090.000.005.130.00
Owen112204.724.769.609.560.00
Parke010110.005.800.005.905.92
Perry122105.1510.3510.365.260.00
Pike001110.000.008.038.058.09
Porter526533.001.203.582.991.78
Posey3010011.740.003.900.000.00
Pulaski100207.730.000.0015.860.00
Putnam033140.007.968.002.6810.61
Randolph000010.000.000.000.004.01
Ripley3404110.6114.120.0014.083.52
Rush000300.000.000.0018.040.00
Scott120704.218.460.0029.530.00
Shelby313116.762.256.762.262.25
Spencer000010.000.000.000.004.90
St. Joseph7626132.622.240.752.234.81
Starke110114.324.360.004.354.37
Steuben031220.008.692.905.825.80
Sullivan3011214.190.004.794.829.64
Switzerland010000.009.480.000.000.00
Tippecanoe639083.311.634.840.004.20
Tipton081220.0051.986.5613.2013.22
Union012010.0013.8027.780.0013.89
Vanderburgh353361.652.751.651.653.30
Vermillion2151312.626.3932.066.4119.35
Vigo341512.773.710.934.640.93
Wabash123403.106.239.4112.680.00
Warren000010.000.000.000.0012.19
Warrick010030.001.640.000.004.80
Washington242147.2014.347.203.6014.37
Wayne212422.951.482.996.013.02
Wells121103.617.193.593.590.00
White005120.000.0020.594.158.27
Whitley140113.0011.960.002.992.96

Fatalities Involving an Alcohol-Impaired Driver

Indiana also sees more than its fair share of alcohol-related accidents, including accidents involving teenage drivers who are intoxicated when they get behind the wheel. The table below details the number of individuals involved in alcohol-related fatalities over a year:

Indiana Drunk Driving Deaths by County
FatalitiesFatalities per 100,000 Population
County Name2013201420152016201720132014201520162017
Adams021000.005.752.860.000.00
Allen810910142.202.742.452.703.75
Bartholomew124121.262.494.921.222.44
Benton000000.000.000.000.000.00
Blackford000110.000.000.008.288.35
Boone103111.660.004.761.561.52
Brown2200113.2913.380.000.006.65
Carroll211009.945.015.030.000.00
Cass022320.005.205.247.895.26
Clark431313.552.630.872.590.85
Clay3111111.253.783.793.823.82
Clinton103223.050.009.266.206.19
Crawford2100118.839.370.000.009.46
Daviess110233.103.060.006.069.06
De Kalb120112.364.720.002.352.33
Dearborn212114.022.024.042.022.01
Decatur000300.000.000.0011.260.00
Delaware132120.862.581.730.871.74
Dubois321047.104.732.360.009.40
Elkhart347261.501.983.440.982.93
Fayette001120.000.004.284.308.62
Floyd312363.951.312.613.917.79
Fountain100105.920.000.006.070.00
Franklin3001113.070.000.004.404.42
Fulton100014.890.000.000.004.99
Gibson002230.000.005.955.968.93
Grant120711.452.930.0010.481.50
Greene221426.116.133.0912.416.22
Hamilton623432.020.660.971.260.93
Hancock212262.821.392.762.718.00
Harrison322527.695.115.0612.605.01
Hendricks532313.261.931.271.870.61
Henry002110.000.004.112.072.06
Howard224662.422.424.867.297.28
Huntington002120.000.005.482.755.50
Jackson300016.900.000.000.002.28
Jasper5301114.968.950.002.992.99
Jay131104.7014.194.734.750.00
Jefferson120113.096.170.003.103.12
Jennings200217.090.000.007.243.62
Johnson410122.750.680.000.661.30
Knox211165.262.632.652.6616.00
Kosciusko002620.000.002.547.602.53
La Porte651575.394.480.904.546.36
Lagrange010100.002.600.002.560.00
Lake1616149203.253.262.871.854.12
Lawrence310226.542.190.004.394.38
Madison121260.771.540.771.554.63
Marion27142133262.901.502.233.502.74
Marshall121302.134.262.146.430.00
Martin000000.000.000.000.000.00
Miami011100.002.772.782.770.00
Monroe201511.410.000.693.430.68
Montgomery012010.002.625.220.002.60
Morgan205512.880.007.197.191.43
Newton021040.0014.197.150.0028.31
Noble220114.234.220.002.112.11
Ohio000010.000.000.000.0017.16
Orange3001015.130.000.005.130.00
Owen212109.454.769.604.780.00
Parke2012211.600.005.8911.7911.84
Perry012000.005.1710.360.000.00
Pike101107.960.008.038.050.00
Porter656533.602.993.582.991.78
Posey212017.833.917.810.003.91
Pulaski000210.000.000.0015.867.98
Putnam114032.662.6510.670.007.96
Randolph012110.003.957.963.994.01
Ripley040530.0014.120.0017.6010.55
Rush001100.000.005.986.010.00
Scott220218.428.460.008.444.19
Shelby200214.510.000.004.522.25
Spencer100124.820.000.004.889.81
St. Joseph763572.622.241.121.852.59
Starke102214.320.008.758.704.37
Steuben042200.0011.595.795.820.00
Sullivan212129.464.769.584.829.64
Switzerland001100.000.009.429.390.00
Tippecanoe423142.211.091.610.532.10
Tipton011220.006.506.5613.2013.22
Union1000013.690.000.000.000.00
Vanderburgh743553.852.201.652.752.75
Vermillion2130012.626.3919.240.000.00
Vigo713446.470.932.793.723.72
Wabash013400.003.119.4112.680.00
Warren010110.0012.000.0012.2312.19
Warrick110421.641.640.006.453.20
Washington120253.607.170.007.2117.97
Wayne001320.000.001.494.513.02
Wells124103.617.1914.373.590.00
White023100.008.1912.364.150.00
Whitley130123.008.970.002.995.92

EMS Response Time

Emergency Medical Services are among the first personnel to respond to an accident. If you happen to get into an accident, you’ll want a rough estimate of how long it’ll take EMS to arrive at the scene.

Unfortunately, Indiana doesn’t report its EMS response times in rural or urban areas.

EMS services arrive within eight minutes in urban areas, according to the national average. In rural areas, they’ll typically arrive within 14 minutes.

The best thing to do is make a phone call to emergency services as soon as you can after an accident. Whether you’re making the call yourself or having someone else do it for you, that call can make a real difference.

Transportation

What does driving daily look like in Indiana? Here, you’ll learn more about the state’s traffic patterns, car ownership, and more.

Car Ownership

As is the case across most of the nation, Indiana residents tend to own two cars, on average. Drivers who own a single car are just as common as those who own three cars, as well.

Commute Time

You wouldn’t think commutes would be all that long in a state like Indiana. While the state does come in under the national average — 25.3 minutes — you’re still likely to spend an average of 22.7 minutes on the road every morning and evening.

Commuter Transportation

It’s also rare for Indiana residents to carpool with one another. The vast majority of drivers in Indiana drive themselves to and from work on their own.

Traffic Congestion in Indiana

Indiana’s largest city is also home to the state’s most traffic congestion. Indianapolis ranks at 177 on the INRIX scorecard for global traffic. This means that you’ll need to leave yourself plenty of time to make it around I-465 in the mornings and evenings!

URBAN AREA2018 IMPACT RANK (2017)HOURS LOST IN CONGESTIONYEAR OVER YEAR CHANGECOST OF CONGESTION (PER DRIVER)INNER CITY TRAVEL TIME (MINUTES)INNER CITY LAST MILE SPEED (MPH)
Indianapolis, IN177 (162)59 (184)2%$826513

And with that, we come to the end of our comprehensive guide to Indiana’s car insurance providers. Do you feel ready to start insurance shopping? So long as you work with a provider who can meet your needs, you’ll be a-okay in the Hoosier State.

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