Cheap Car Insurance in Indiana
From South Bend to Evansville, and everywhere in between, Indiana has so much to offer its residents. But whether your idea of fun is heading to shop in downtown Indianapolis or driving up to Indiana Dunes National Park to soak in the sun, affordable auto insurance coverage can help protect you on every adventure.
EagleWay Auto Insurance is proud to offer cheap car insurance in Indiana. In this guide, we’ll show you which coverages are mandatory, which ones are optional, and how EagleWay can help you find cheap Indiana car insurance. Get a free quote to see how much you can save.
Indiana Car Insurance Laws
Do you have to have car insurance in Indiana?
Indiana requires drivers to carry continuous liability insurance for their vehicles. Auto insurance policies in Indiana must meet minimum liability limits, typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Indiana are 25/50/25, as shown below.
Indiana Minimum Car Insurance Requirements
Here’s a quick breakdown of the coverage required to be street-legal in Indiana.
| Coverages | Is It Required by Law? |
|---|---|
| Bodily Injury Liability Coverage helps cover the medical expenses and legal fees of others if you injure someone in an accident you cause. | Yes. $25,000 bodily injury per person / $50,000 bodily injury per accident. |
| Property Damage Liability Coverage helps pay for damages to another person’s property after an accident you cause. | Yes. $25,000 property damage per accident. |
| Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical costs if the at-fault driver has no insurance, insufficient insurance, or flees the scene. | Not required, but included by default unless rejected in writing. |
| Medical Payments Coverage (Med Pay) covers your medical bills after an accident, regardless of fault. | Not required. |
| Collision Coverage pays to repair or replace your vehicle after colliding with another object or vehicle. | Not required.¹ |
| Comprehensive Coverage pays for damage from non-collision events like theft, vandalism, weather, or animal contact. | Not required.¹ |
IMPORTANT NOTE: While liability-only coverage ensures you meet Indiana’s insurance
requirements, it doesn’t necessarily protect you or your vehicle in every situation. Adding
comprehensive, collision, and UM/UIM coverage can help fully protect you, regardless of fault.
¹Your lender may require these coverages if your vehicle is leased or financed.
Additional Coverage Options
Indiana drivers can also add optional coverages for extra peace of mind:
- Roadside Assistance*
- Emergency Protection Plan (EPP)*
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Indiana Proof of Financial Responsibility and Penalties
What if I don't meet Indiana’s minimum car insurance requirements?
If you're caught driving uninsured in Indiana, you may face serious penalties, including license suspension, reinstatement fees, and mandatory SR-22 filing. Penalties increase for repeat offenses, and your vehicle registration may also be suspended. Additionally, you'll be responsible for paying all accident-related expenses out of pocket.
Penalties for Driving with a Suspended License in Indiana
Driving with a suspended license is illegal and can result in fines, jail time, and even felony charges depending on the circumstances. Make sure your license is fully reinstated before driving.
SR-22 Insurance in Indiana
Some drivers must file an SR-22 (proof of financial responsibility) with the state. You may need an SR-22 if:
- You failed to maintain proper liability coverage.
- You were convicted of DUI/DWI.
- You committed other serious driving violations.
EagleWay Auto Insurance specializes in affordable SR-22 filings for Indiana drivers. If you have questions, we’re here to help.
High-Risk Auto Insurance in Indiana
Many drivers don’t have a spotless driving record. After multiple violations or a major incident, insurers may classify you as high-risk. While some companies avoid high-risk drivers, EagleWay Auto Insurance proudly provides non-standard (high-risk) insurance options. We believe your past shouldn’t define your future.
Where can I find the cheapest car insurance rates in Indiana?
Car insurance rates vary based on factors like:
- The amount & type of coverage you choose
- Your vehicle’s year, make & model
- How much and where you drive
- Your demographics
- Your driving record
- Your credit history
The good news is that EagleWay Auto Insurance offers affordable non-standard auto insurance, helping Indiana drivers find a budget-friendly policy even if they're considered high-risk. Start with a free quote, then work with an EagleWay representative to build the right coverage plan and ensure you receive all eligible discounts.