Indiana Car Insurance

Car Insurance for Indiana Drivers

Whether you're exploring Indiana Dunes National Park or heading to the Bluespring Caverns, you want to feel safe as you travel the roads. The AARP^® Auto Insurance Program from The Hartford¹ can give you the peace of mind you’re looking for.¹We’ve been protecting AARP members and their families with car insurance in Indiana since 1984.

If you’re in the market for car insurance, we can help. Learn more about buying car insurance in Indiana and request a car insurance quote from the AARP Auto Insurance Program from The Hartford. We have a reputation for integrity and trust that experienced drivers look for, along with high customer ratings for insurance claims services.

Car Insurance Benefits Offered to Indiana Drivers

Indiana drivers could receive valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford, including:

New Car Replacement^§§
Accident Forgiveness^‡
Disappearing Deductible^‡
24/7 Claim Service

What Are Indiana's Auto Insurance Requirements?

Indiana auto insurance requirements include liability car insurance at the following minimum coverage limits:²

$25,000 per person, per accident for bodily injury liability coverage
$50,000 total per accident for bodily injury liability coverage
$25,000 per accident for property damage liability coverage

How Much Is Car Insurance per Month in Indiana?

Auto insurance rates vary by state. In 2018, the cost of car insurance per month in Indiana was about $64, which comes out to about $767 per year, according to the Insurance Information Institute.³ The national average was $1,056 per year. Your car insurance cost is unique to you. Different factors can have a big impact, so it’s a good idea to get a quote from an insurance company that can personalize your policy.

Proof of Car Insurance in Indiana

Indiana state law requires you to provide a copy of your car insurance ID card if requested by a police officer or other party when involved in an accident.

If you’re a licensed driver in the state of Indiana, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Indiana is also among several states that now accept electronic proof of car insurance, and with The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™

Indiana Uninsured Driver Facts

According to a 2021 Insurance Research Council report, 15.8% of Indiana drivers are uninsured. This is above the national average of 12.6%.⁴The state of Indiana does not require drivers to carry uninsured and underinsured motorist coverages. However, The Hartford offers this coverage which can protect you from financial loss if you are involved in a car accident with an uninsured motorist. We can help protect you with:

Underinsured motorist coverage
Uninsured motorist bodily injury (UMBI)
Uninsured motorist property damage (UMPD)

Additional Car Insurance Coverages and Benefits Available to Indiana Drivers

For added protection, Indiana drivers may also be eligible for the following car insurance coverages from the AARP Auto Insurance Program from The Hartford:

Staying Safe on Indiana Roads

As you travel through Indiana, there are a number of safe driving laws meant to protect you on Indiana’s roads. Here are just a few:⁵

Indiana Seat Belt Laws:

It is a mandatory law to wear a seat belt while driving the roads of Indiana.

Indiana Distracted Driving Laws:

Texting while driving is banned for all drivers in the State of Indiana.

Indiana Teen Driver Laws:

Getting a driver’s license is a rite of passage for teens and Indiana wants to be sure they stay safe in the process. Indiana has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.

How Can I Get a Car Insurance Quote in Indiana?

We make it easy to get auto insurance quotes. Call The Hartford at 888-413-8970 or get a car insurance quote online in just a few minutes. We’ll help you decide how to get the best car insurance in Indiana for your unique needs.

Last Updated: October 13, 2023

² Indiana Department of Insurance, “Auto Insurance”

³ Insurance Information Institute, “Facts + Statistics: Auto Insurance”

⁴ Insurance Information Institute, “Facts + Statistics: Uninsured Motorists”

⁵ Governors Highway Safety Association, “States”