AFFORDABLE
CAR INSURANCE
IN INDIANA

Driving in Indiana may take you winding through some picturesque fields under blue skies, but the state also has a rich history steeped in auto racing culture, agricultural innovation, and even boasts a city by the name of Santa Claus, Indiana. The Hoosier state is home to the Indianapolis 500, the largest spectator sport in the world and is well known for its competitive sporting events and scenic college campuses. This is what you’ll need to know about car insurance as a driver in Indiana.

As you navigate Indiana's scenic roads steeped in auto racing culture and agricultural innovation, A-MAX Auto Insurance is thrilled to join this vibrant community. From the legendary Indianapolis 500 to the scenic college campuses, Indiana's allure is undeniable. And that's why we are beyond ecstatic to offer our best-in-class customer service to everybody in this great state. At A-MAX, we're dedicated to exceeding expectations and providing customized policies that meet the unique needs and budgets of our customers.

As an independent insurance agent, we leverage our access to over 35 insurance carriers to secure the best prices and coverage options. Founded in 2002, A-MAX has grown to over 200 locations nationwide, and we're excited to bring our legacy of exceptional service to the hardworking people of Indiana. We look forward to serving you and ensuring you receive the quality coverage you deserve on your Indiana journey.

While the views out the window may be scenic, the busy highways and high-traffic roads do pose some amount of risk. Indiana ranks #18 for fatal car crashes with 214 fatalities reported in 2022 and a total number of collisions at 206,936 as reported by the Indiana Criminal Justice Institute. This number is down by nearly 9% in 2023. U.S. Highway 41 has been reported as the most deadly road to drive in the state of Indiana as the primary thoroughfare between Chicago and Evansville, ranking as the 25th most deadly road in the country.

Car insurance costs vary depending on provider. The average cost of liability car insurance hovers around $430 per year while the cost of full coverage sits at about $1,640 per year. This rate is dependent on your risk status and other factors.

Similar to most states, Indiana drivers must hold a minimum of liability auto insurance to be considered legal. Liability car insurance ensures that the driver at fault can cover the costs of damage to the other vehicle. Liability will not cover any damage to your own vehicle, however, so full coverage is often recommended.

Minimum coverage must include the following:

⬤   Bodily injury coverage of at least $25,000 per person

⬤   Bodily injury coverage of at least $50,000 per accident

⬤   Property damage coverage of at least $25,000 per accident

Additional options could include coverage for other incidents:

⬤   Full coverage will cover the cost of damage to your vehicle, as well as the other vehicle if the accident is your fault.

⬤   Gap coverage can help pay off an auto loan if your car is stolen or totaled.

⬤   Comprehensive coverage will help to cover costs of damage not sustained during a collision, such as door dings and windshield replacement.

⬤   Roadside assistance for unexpected mechanical issues or towing costs.

⬤   Uninsured motorist coverage can protect you if you’re on the receiving end of a collision where the other driver does not have coverage. 15.8% of drivers in Indiana are uninsured.

⬤   Rental car reimbursement could save you some money if you need to rent a car while yours is being repaired.

Driving without car insurance in Indiana is illegal and can result in license suspension. Additionally, you may be required to get an SR-22 certificate after one or more offenses. Multiple offenses could eventually result in large fines and longer suspension periods.

There are multiple factors that can influence car insurance prices in Indiana. Some things to consider include the following:

⬤   Age: Young drivers pose a higher risk and should expect higher premiums.

⬤   Driving history: Frequent claims and a dicey driving history may cost you more in premiums.

⬤   Credit score: A good credit score can help to lower rates.

⬤   Location: Rates may vary by city.

⬤   Vehicle type: Sports cars and other types of vehicles will raise costs as they are considered higher risk.