Indiana Car Insurance

Car insurance is crucial for protecting Indiana drivers from financial liabilities in the event of an accident. At GEICO, we offer a range of auto insurance services tailored to meet your needs. From liability coverage to comprehensive and collision car insurance, we're committed to providing reliable coverage and peace of mind to drivers. Start your Indiana auto insurance quote online today.

Indiana Car Insurance Requirements

It is illegal to drive without insurance in the state of Indiana. Ensure your Indiana auto insurance policy meets Indiana’s liability requirements, and includes Uninsured Motorists Coverage:

Coverage Type Minimum Requirement
Bodily Injury Liability $25,000 per person / $50,000 per accident
Property Damage Liability $25,000 per accident
Uninsured Motorist Bodily Injury* $25,000 per person / $50,000 per accident
Uninsured Motorist Property Damage* $25,000 per accident
Underinsured Motorist Bodily Injury* $50,000 per person / $50,000 per accident

*Please note that Indiana allows drivers to reject uninsured and underinsured coverages by returning a form to your insurance company. A GEICO representative can assist you with this decision.

Optional Indiana Auto Insurance

In addition to the minimum insurance requirements in Indiana, drivers can opt for additional coverage to ensure they're protected, such as:

Optional Coverage Type What It Covers
Collision Coverage Helps pay to repair or replace your car if it’s damaged in a collision with another vehicle or object, regardless of fault.
Comprehensive Coverage Covers damage to your vehicle from non-collision incidents such as theft, vandalism, natural disasters, fire, falling objects, or animal collisions.
Medical Payments Coverage Helps pay medical expenses for you and your passengers after an accident, regardless of fault. This may include hospital stays, surgery, or funeral expenses.
Rental Reimbursement Helps cover the cost of a rental car (up to your coverage limit) while your vehicle is being repaired due to a covered loss.

Learn more about car insurance coverages to determine the best policy for your auto insurance needs in Indiana.

Discounts on Car Insurance in Indiana

Save big on Indiana auto insurance with GEICO's car insurance discounts! Some available discounts include:

  • Five-Year Accident-Free Good Driver Discount: Drivers who have been accident-free for at least 5 consecutive years may qualify for lower rates.
  • Multi-Policy Discount: Bundle your insurance policies with GEICO to save on car insurance.
  • Good Student Discount: Full-time students who maintain a minimum of a B+ average may be eligible for lower car insurance premiums.
  • Vehicle Safety Features Discount: Cars equipped with safety features like anti-lock brakes, and anti-theft devices may be eligible for savings.
  • DriveEasy Rewards and Savings: Participate in DriveEasy through the GEICO Mobile App to showcase your safe driving habits and save money on car insurance.
  • Clean Driving Record Discount: Indiana drivers with a clean driving record can earn additional savings on their policy.
  • Auto Pay Discount: Sign up for automatic monthly payments to save on your premium.
  • Early Shopper Discount: Apply for a GEICO policy before your current coverage expires to qualify for savings.
  • Paperless Discount: Go paperless with digital statements and documents to lower your premium.
  • Pay-in-Full: Save by paying your premium upfront, eliminating installment fees and administrative costs.

Indiana Car Insurance Additional Considerations

When driving in Indiana, it’s important to understand how the state’s insurance laws and requirements may affect you. Two key factors to keep in mind include:

  • Fault System
    • Indiana follows a fault-based system.
    • The driver who is determined to be at fault in an accident is responsible for covering damages.
  • Penalties for Non-Compliance
    • Failing to maintain proper car insurance can result in fines.
    • Additional consequences may include license suspension and other legal actions.

Get an Indiana Car Insurance Quote From GEICO Today!

Get a personalized quote for Indiana car insurance from GEICO tailored to your needs and budget. Start driving with confidence knowing you're protected on the road.

Note: You will also have to apply for a title before the license branch can sell you a license plate

Indiana Auto Insurance FAQs

  • How can I find an affordable car insurance policy in Indiana?

    You can find affordable car insurance in Indiana by comparing multiple coverage options and personalizing your policy to fit your needs. GEICO makes this easy with free online quotes and abundant discounts. Adjusting coverage levels, raising deductibles, or bundling policies (like home and auto) can also help you save. The key is to balance affordability with the right amount of protection for your situation.

  • Is auto insurance mandatory when registering a car in Indiana?

    Yes, Indiana requires proof of financial responsibility—usually in the form of auto insurance—before you can legally register and drive your car. At a minimum, you must carry liability coverage that meets the state’s requirements. Driving without insurance can result in fines, license suspension, and higher insurance costs later, so it’s important to maintain adequate coverage.

  • What is the difference between "full coverage" and minimum liability insurance in Indiana?

    “Full coverage” is not a specific type of car insurance policy. It usually refers to a policy that includes both liability coverage and optional protections, such as collision and comprehensive coverage, to offer broader financial protection.

    Minimum liability insurance, on the other hand, covers the basic state-required limits for bodily injury and property damage if you cause an accident. This is the lowest amount of coverage you can legally carry, and it may not offer enough protection for your situation.