AFFORDABLE
CAR INSURANCE
IN INDIANA

Driving in Indiana can take you past rolling fields, scenic college campuses, and even cities with unique names like Santa Claus, Indiana. The Hoosier State is famous for its rich auto racing culture, including the world-renowned Indianapolis 500, as well as its strong agricultural roots and competitive sports traditions. With so many drivers on Indiana’s roads, having the right auto insurance is essential for peace of mind and financial protection.

At A-MAX Insurance, we’re proud to serve Indiana drivers by offering affordable, reliable coverage. Whether you need Indiana state minimum insurance to meet legal requirements or want a more comprehensive plan, we make the process simple and stress-free. Our mission is to provide customized policies that fit your needs and budget, backed by exceptional customer service.

As an independent insurance agency, A-MAX partners with over 35 carriers to help you find the best price and coverage in Indiana. Founded in 2002, we’ve grown to over 200 locations nationwide, bringing our legacy of service and savings to the hardworking people of Indiana.

Ready to get covered? Enter your ZIP code for a free online auto insurance quote today, or call A-MAX to see how much you can save.

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.