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Indiana Car Insurance Driver’s Guide [Coverages + Advice]



INDIANA STATISTICSDETAILS
Miles of Roadway96,698
Registered Vehicles5,789,940
Population6,691,878
Most Popular VehicleSilverado 1500
Uninsured Motorist Rate16.70%
Total Driving Related Deaths in 2017428
Speeding Fatalities in 2017208
DUI Fatalities in 2017220
Average Car Insurance CostLiability: $382.68
Collision: $250.29
Comprehensive: $122.06
Combined: $755.03
Cheapest ProviderUSAA


Indiana’s name literally means “Land of the Indians,” from the time when Native American tribes, descendants from groups who traveled south from Alaska.

These peoples settled on the vast flatlands and plains and called it home for generations before the colonization of America. Eventually, Indiana would become the 19th state admitted into the union.

Though still predominantly flat expanses, Indiana has become the 16th most populated state in America. Home to cultural hubs like Indianapolis and two major sports teams: The Pacers and the Colts.

Indiana citizens have come to be known as “Hoosiers,” though historians and cultural critics alike aren’t exactly sure how the name came to be.

The Hoosier accent is one of the most sought after dialects in American drama, from radio to TV.

But, the Hoosier accent isn’t the only important thing in Indiana. Indiana citizens have to get around, and for many of them, that means driving from place to place.

To safely operate a vehicle in the Brickyard, drivers need to be insured. While insurance (and it’s associated laws, regulations, and prices) can seem confusing, we’re here to help.

From here on down to the bottom of this page, you’ll find absolutely everything you need to know about driving in Indiana, finding the best (and cheapest) insurance coverage, and all relevant laws to stay safe and ticket free.

So let’s get to it.

If you want to get right down to comparing quotes, go ahead and click here.

Table of Contents

Indiana Car Insurance Coverage and Rates

Where do we begin? Acclimating you to the Hoosier roadways, and information on the types of coverage and costs in Indiana.

Here we go.

– Indiana’s Car Culture

Indiana has one of the higher rates of uninsured drivers in America at 16.7 percent. Unfortunately, this isn’t good news for your safety on the road or your wallet.

Protection from uninsured motorists in case of an accident is one of the most important reasons to be adequately covered on the roads.

Midsized sedans are hugely popular amongst Hoosiers. In general, Indiana boasts relatively easy to drive flat roads, so heavy-duty vehicles aren’t called for to get from points A to B.

– Indiana Minimum Coverage

What’s minimum coverage? Pretty much what the name implies: the lowest amount of insurance coverage you can carry and still be legally compliant when driving.

Minimum insurance coverage generally is there to protect the other drivers and damages if you are found at-fault for an accident. If you do get into an accident, minimum coverage takes on however much of the financial burden you’ve allocated.

This is called liability insurance.

Here’s the minimum coverage breakdown for Hoosiers. We refer to it as 25/50/25 liability insurance:

  • $25,000 to pay for the injuries of one person
  • $50,000 to pay for the injuries of more than one person
  • $25,000 to pay for property damage

For example, if you are at-fault in an accident, your liability coverage will pay for the first $25,000 of car repairs, medical bills, or property damage (broken light poles, signs, etc.).

Without minimum coverage, you risk facing penalties:

Every driver and owner of a vehicle must have evidence of continuous financial responsibility. Failure to comply may result in the suspension of your driver’s license, vehicle registration, or both.

These penalties can be serious. The Indiana Bureau of Motor Vehicles requires verification that you hold minimum insurance coverage if the driver found guilty for committing a traffic violation or repeated speeding violations.

If you are found to lack adequate legal coverage, you may get your driver’s license suspended for a minimum of 90 days, or up to one year.

But, if you’re reading this and worried about always carrying your paper insurance copy, take a breath. In Indiana, it’s fine to use electronic proof of insurance.

Indiana is an “at-fault” state, meaning the driver who caused an accident is responsible for the financial damages to the other vehicle and its occupants.

While your insurance company should cover these costs, the compensation only goes up to the limit stated in your policy.

Above that limit, you’re required to pay out of pocket.

To ensure you don’t end up on the hook, you can add additional coverages to protect you further from paying costs. We’ll get to that in greater depth later on.

– Forms of Financial Responsibility

Forms of financial responsibility for automobiles are a means to proves you have the minimum type of coverage for your state. In Indiana, you can look to the section of code: IC 9-25-5 (Chapter 5. Proof of Financial Responsibility).

A couple of important tidbits:

If a person is convicted of a traffic offense that requires a court appearance, the court shall require the person to show proof that financial responsibility was in force on the date of the violation.

Also:

If a person fails to provide proof of financial responsibility as required by this section, the court shall suspend the person’s current driving privileges or motor vehicle registration, or both

According to Chapter 4. Financial Responsibility of the code, drivers are required the following documents for verification:

  • Proof of insurance that meets the minimum requirements
  • Proof of a bond executed on the vehicle with respect to section 7
  • Certificate of self-insurance under section 11

The Indiana Bureau of Motor Vehicles verifies drivers possess the minimum coverage for the following situations:

  • Auto accidents where an accident report is filed
  • Pointable moving violations within one year of receiving two others
  • Serious traffic violations, such as a misdemeanor or felony
  • Any moving violation in which the driver previously failed to show proof

Do your absolute best to ensure you have proof of insurance handy just in case. This can either be a paper copy or one on your smartphone or other devices.

– Premiums as a Percentage of Income

One of the first things on most people when they think of insurance is price. So, how much do Hoosiers pay compared to the rest of the country?

Premiums fluctuate depending on where you live in the US. For example, in 2014, New Yorkers averaged full-coverage premiums of $1,327.82. Wyomingites, on the other hand, paid an average of $844.33.

But when it comes to Indiana insurance, how much do drivers pay in relation to their incomes? 

Below is a table showing average costs for full coverage premiums as a percentage of income in Indiana:

YearFull Coverage PremiumDisposable IncomeInsurance as % of Income
2014$728.93$36,364.002
2013$704.50$35,163.002
2012$724.44$35,125.002.06

Lucky for Hoosiers, full coverage premiums cost, on average, just 2 percent of the income of the average citizen.

In general, Hoosiers are paying less for auto insurance compared to other states, including percentage per income.

If you want to figure out how your insurance cost factors into your income, give this handy calculator a try.

CalculatorPro

– Core Coverage

This next batch of data comes courtesy of the National Association of Insurance Commissioners, a leading source on insurance-related costs:

COVERAGEAVERAGE COST, INDIANAAVERAGE COST, NATIONWIDE
Liability$382.68$538.73
Collision$250.29$322.61
Comprehensive$122.06$148.04
Full Coverage$755.03$1,009.38

Again, Hoosiers pay less for core coverage than the rest of the country. Having this coverage is the difference between ensuring damages are covered or paying thousands of dollars out of pocket.

– Additional Liability

Med Pay, Uninsured, and Underinsured Motorist coverage are all optional for Indiana citizens. So who might need them?

Loss Ratio201420132012
Medical Payments (Med Pay)83%81%83%
Uninsured/Underinsured Motorist64%60%65%

Remember, Indiana is ranked eighth for the percentage of uninsured or underinsured motorists in America. 16.7 percent of drivers are behind the wheel without the minimum coverage.

In case of an accident, if they don’t have adequate coverage, they’ll have to pay out of pocket. But, many drivers without insurance may not even be able to meet these costs, meaning a wait time for money to cover damages and medical bills, if you receive payment at all.

Loss ratios are defined as the ratio of losses to gains for insurance companies. These numbers are how you can tell whether or not a company is paying our payments in your state. If you’re still a bit confused, check out this video:

A rule of thumb is that companies between 60 percent and 80 percent hit the sweet spot. Over 100 percent means the insurance company is losing money. Under 50 percent and they may not be paying claims.

– Add-ons, Endorsements, and Riders

To ensure you’re fully protected on the road, you can add on a variety of coverages. Here are some of the most popular:

To add on any of these coverages, talk to your agent. They will help ensure you are set for all your unique needs and cover any associated costs.

From there, your agent applies the necessary coverages to your policy.

– Male vs. Female Rates

So how exactly does your insurance company decide your premium? Several factors go into that magic number.

Age and gender are two of the most significant factors used to assess your annual premiums.

Though it’s generally understood that male drivers get charged the highest rates, this isn’t always the case. Age can affect your rates to an even greater extent than gender in some instances. But, as with most things, it often boils down to your insurance carrier. That’s why shopping around is so important to get the best rates.

Quadrant provides our data, based on purchased coverage by Hoosiers, including rates for high-risk drivers and drivers purchase more than the state minimum.

Here is a quick list, by age, sex, and company:

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate P&C$2,461.65$2,522.04$2,161.34$2,364.89$7,566.53$9,542.11$2,500.79$2,718.57
American Family Mutual$2,305.56$2,305.56$2,072.87$2,072.87$6,342.08$9,188.19$2,305.56$2,839.57
Illinois Farmers Ins 2.0$1,558.68$1,538.30$1,333.35$1,497.61$8,369.82$8,927.88$2,053.19$2,219.06
Geico Cas$1,543.08$1,533.98$1,441.76$1,492.21$4,534.08$4,216.98$1,765.37$1,558.45
First Liberty Ins Corp$3,951.85$3,951.85$3,632.20$3,632.20$8,652.09$13,064.06$3,951.85$5,418.04
Nationwide Mutual$1,670.50$1,708.99$1,463.84$1,564.29$4,865.35$6,323.43$1,959.23$2,144.10
Progressive Paloverde$1,659.70$1,570.98$1,503.23$1,513.35$9,753.71$10,976.02$2,081.70$2,125.43
State Farm Mutual Auto$1,480.20$1,480.20$1,318.52$1,318.52$4,476.08$5,736.50$1,637.30$1,821.69
Travco Ins Co$1,225.25$1,246.82$1,148.12$1,147.95$7,586.22$11,997.40$1,295.87$1,500.67
USAA$1,039.00$1,023.39$966.69$974.02$2,894.49$3,235.29$1,404.62$1,503.00

American Family charges 17-year-old male drivers almost $3,000 more in annual premiums than they do 17-year-old female drivers. However, USAA only charges a difference of about $340 depending on gender.

Besides age and gender, marriage can also save you a good chunk of change.

The idea behind this is that married customers are more stable, and therefore more responsible drivers behind the wheel.

Best Indiana Car Insurance Companies

From the shores of Lake Michigan to the Indianapolis Motor Speedway, Hoosiers have countless opportunities to discover a variety of the unique Indiana offerings. So, with so much out there to explore, why spend hours looking for the cheapest car insurance rates and best providers when you don’t have to?

In this section, we’ll go over the best of the best when it comes to auto insurance in Indiana. We’ll look at financial ratings, AM’s Best ratings, and customer satisfaction.

Stick with us.

– The Largest Companies Financial Rating

Knowing your company’s financial standing is incredibly important. After all, you want to be sure they are stable enough to pay out in case of an accident. One of the best ways to get a picture of financial rating is the AM Best’s rating system.

Here are the AM Best ratings for the largest insurance providers in Indiana.

PROVIDERS (BASED ON SIZE, FROM LARGEST TO SMALLEST)A.M. BEST RATING
AllstateA+
American Family InsuranceA
Auto-Owners GroupA++
Erie InsuranceA+
GeicoA++
Indiana Farm BureauA-
Liberty MutualA
ProgressiveA+
State FarmA++
USAAA++

Good news for Hoosiers, nine of the top ten companies have A or higher ratings. Number ten, Indiana Farm Bureau Group, was not rated by AM Best.

– Companies with Best Ratings

While a good financial rating means your insurance carrier has the funds to pay any claims, that doesn’t necessarily mean customers love their service.

J. D. Power, one of the most reliable sources in the insurance world, completes annual studies of customer satisfaction for various regions in the US. Indiana, which sits in the North Central region, rankings are as follows:

https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/comparecarins-live/e07f2d2e-jd-power-2019-north-central-region-medium.jpg

State Farm ranks quite close to the top of the list.

Next up we’ll look at another important aspect of guaranteeing you get good service: customer complaints.

– Companies with Most Complaints in Indiana

Below, we’ll cover the complaint ratio for some of the top companies in Indiana. Depending on how large a company is, and its total premiums written, they may have a higher number of complaints but a lower complaint ratio.

This is because a few complaints for a company serving thousands of drivers will be a smaller percentage than for a company with less business.

COMPANY NAMENUMBER OF COMPLAINTSCOMPLAINT INDEX
Allstate Ins Co42.18
American Access Cas Co64.78
American Family Mut Ins Co SI121.66
American Select Ins Co21.49
Auto Owners Ins Co50.64
Bristol W Ins Co32.88
Consolidated Ins Co102.62
CSAA Gen Ins Co10.68
Depositors Ins Co10.49
Esurance Ins Co21.67

A complaint index lower than one means the provider is better than average. If the index is higher than one, they are doing worse than average.

– Cheapest Companies in Indiana

To find the lowest rates, as we’ve mentioned, you should shop around to see which provider fits your needs best.

This next table shows the top carriers in Indiana and their average rate for drivers. Each company’s rates are also compared to the state average for all companies combined.

COMPANYAVERAGECOMPARED TO STATE AVERAGEPERCENT COMPARED TO STATE AVERAGE
Allstate$3,979.74+$661.62+16.62%
American Family Mutual$3,679.03+$360.91+9.81%
Illinois Farmers Ins$3,437.24+$119.11+3.47%
Geico$2,260.74-$1,057.38-46.77%
First Liberty Ins Corp$5,781.77+$2,463.65+42.61%
Nationwide$2,712.47-$605.66-22.33%
Progressive$3,898.01+$579.89+14.88%
State Farm$2,408.63-$909.49-37.76%
Travco Ins Co$3,393.54+$75.42+2.22%
USAA$1,630.06-$1,688.06-103.56%

Comparing different providers can save a lot of money. For instance, Nationwide is $600 lower than the state average. Over time, that kind of savings could add up to thousands of dollars in the bank.

– Commute Rates by Companies

Some companies also charge more depending on how far you commute each day to work. The idea here is, more time on the road means more time for accidents to occur.

Here are the rates for two average commutes across providers:

GROUPANNUAL AVERAGE FOR 10 MILE COMMUTE (6000 ANNUAL MILEAGE)ANNUAL AVERAGE FOR 25 MILE COMMUTE (12,000 ANNUAL MILEAGE)
Allstate$3,979.74$3,979.74
American Family$3,634.663,723.40
Farmers$3,437.24$3,437.24
Geico$2,220.59$2,300.89
Liberty Mutual$5,628.11$5,935.42
Nationwide$2,712.47$2,712.47
Progressive$3,898.01$3,898.01
State Farm$2,340.29$2,476.96
Travelers$3,393.54$3,393.54
USAA$1,608.43$1,651.69

Most company rates don’t change based on the length of your daily drive. Liberty Mutual, however, offers a rate reduction of over $300 for drivers who only drive 10 miles.

– Coverage Level Rates by Companies

Many drivers believe greater cover means higher rates. But, when you look at how different levels break down, you might be surprised. Some carriers offer more coverage, with a minimal increase in rates. Others offer high coverage for the same price as their competitors lowest options

GROUPLOW COVERAGEMEDIUM COVERAGEHIGH COVERAGE
Allstate$3,789.32$3,964.38$4,185.52
American Family$3,644.40$3,800.78$3,591.92
Farmers$3,315.42$3,430.50$3,565.78
Geico$2,120.21$2,254.59$2,407.42
Liberty Mutual$5,593.34$5,766.94$5,985.03
Nationwide$2,754.80$2,690.85$2,691.75
Progressive$3,682.14$3,837.21$4,174.68
State Farm$2,295.59$2,407.80$2,522.50
Travelers$3,326.58$3,425.20$3,428.83
USAA$1,571.85$1,626.02$1,692.31

As shown in the data above, Travelers and State Farm increase their premiums by less than $300 between low and high coverage.

– Credit History Rates by Companies

Your credit score also impacts insurance rates. The average credit score in Indiana is 667, below the nationwide average of 675.

As such, the majority of Hoosier motorists may have to pay more for their coverage than Indiana citizens with excellent credit history.

The table below shows the variance of rates depending on your credit history quality.

GROUPPOORFAIRGOOD
Allstate$4,935.01$3,670.06$3,334.15
American Family$5,032.66$3,268.20$2,736.23
Farmers$4,010.86$3,270.65$3,030.19
Geico$2,719.94$2,260.74$1,801.53
Liberty Mutual$7,698.61$5,011.70$4,635.00
Nationwide$3,088.75$2,608.92$2,439.73
Progressive$4,299.10$3,806.34$3,588.61
State Farm$3,508.97$2,093.59$1,623.32
Travelers$3,778.81$3,202.05$3,199.76
USAA$2,195.89$1,450.78$1,243.51

Hoosiers with low credit may want to avoid insurance through Liberty Mutual, as you can expect to pay nearly $3000 more in premiums than someone with good credit.

– Driving Record Rates by Companies

The easiest way to way to keep rates down is simple: drive safely. A clean record means savings. In the table below, we’ll compare various first-time violations. At Farmers, one speeding violation can raise your rate by over $300.

GROUPCLEAN RECORDONE SPEEDING VIOLATIONONE ACCIDENTONE DUI
Allstate$3,175.58$3,777.03$4,665.22$4,301.12
American Family$2,536.03$3,020.98$4,041.92$5,117.20
Farmers$3,075.51$3,395.05$3,585.45$3,692.93
Geico$1,483.91$2,060.50$2,335.58$3,162.96
Liberty Mutual$4,509.08$4,969.05$5,317.03$8,331.91
Nationwide$2,332.31$2,627.10$3,007.11$2,883.35
Progressive$2,920.42$4,063.99$5,121.94$3,485.71
State Farm$2,352.06$2,352.06$2,578.33$2,352.06
Travelers$2,882.59$3,092.54$3,562.38$4,036.63
USAA$1,231.12$1,526.13$1,752.37$2,010.62

Some carriers have a wide gap in rates, depending on your driving history. Others offer a little more forgiveness, and rates won’t change too much.

Liberty Mutual, for instance, charges drivers with one DUI almost $4,000 annually than consumers with a clean record.

Nationwide, on the other hand, only varies by $500 for a record with one DUI vs. no driving violations.
If you have a spotty record, this table is worth considering.

As we mentioned, responsible driving habits not only keep your rates down, they keep you safe while behind the wheel.

– Largest Car Insurance Companies in Indiana

Here’s a list of the companies writing the most premiums in Indiana.

COMPANYDIRECT PREMIUMS WRITTENLOSS RATIOMARKET SHARE
State Farm$907,71060.03%24.05%
Progressive$428,46658.96%11.35%
Allstate$287,39051.71%7.61%
Indiana Farm Bureau$277,06568.18%7.34%
Geico$233,42867.85%6.18%
Liberty Mutual$185,53063.31%4.92%
American Family Insurance$171,18661.90%4.54%
Erie Insurance$143,26172.18%3.80%
USAA$98,40272.82%2.61%
Auto-Owners Group$91,97666.46%2.44%

State Farm has a huge share of the market. Indeed, the biggest two companies (State Farm and Progressive) make up almost 35 percent.

Auto-Owners Group is the smallest ground at 2.4 percent. As we saw in the J.D. Power graph, they also have the most satisfied customers.

– Number of Insurers by Indiana

In the insurance world, domestic and foreign mean something a little different than what might come to mind. Domestic insurers are companies formed under Indiana’s state laws. A foreign provider is based in another state but does business in Indiana (think State Farm).

  • Domestic Insurers: 64
  • Foreign Insurers: 958

To confidently choose your insurer, be sure to compare all the metrics we’ve covered in this section. Next up, we’ll look at the laws pertinent to driving and insuring your car in Indiana. 

Indiana Laws

We understand state driving laws can be complicated and take a lot of time to understand on your own.

In this section, we’ll cover everything simply and clearly to get you on the road safe and prepared.

– Car Insurance Laws

From laws mandating coverage on broken windshields to state-funded low-cost insurance, we’ll discuss it all.

– How Indiana Laws for Insurance are Determined

Insurance companies don’t get to make all the rules themselves. The Indiana Department of Insurance regulates rates and coverage via state laws and procedures. These include:

  • Prior approval by the state insurance department
  • Modified prior approval
  • Flex rating (being a certain percentage above prior rates)

If you’re interested and would like to learn more, click here and read the document by the National Association of Insurance Commissioners.

– Windshield Coverage

Indiana doesn’t have any laws specifically dictating windshield coverage.

For vehicles under five years old, drivers can choose from OEM (original equipment manufacturer), aftermarket, or used parts.

Some drivers in Indiana will have a special zero-deductible amount established for auto glass repair work.

However, laws in the state do not require insurance providers to offer this deductible option.

What that means is, your windshield repair might be covered for free, or you may have to pay a deductible.

– High-Risk Insurance

People make mistakes, sometimes several. If a person’s driving privileges are suspended due to a severe violation, to get back on the road, the Indiana government may require SR-22 insurance.

SR-22 is high-risk insurance filed by an insurance company. It proves you meet requirements for minimum liability insurance (that 25-50-25 number from earlier).

The Indiana Bureau of Motor Vehicles says this about the SR-22:

If your driving privileges are suspended upon conviction of certain court-related offenses, or for insurance violations, Indiana law may require you to hold SR-22 insurance. Your insurance provider must electronically file proof of future financial responsibility with an SR-22 form for you to be reinstated. The SR22 requirement, along with any reinstatement fees, must be satisfied before your driving privileges will be restored.

If you can’t find insurance coverage from providers, you may be eligible for the Indiana Automobile Insurance Plan, or IN AIP. It’s a plan ensuring high-risk drivers have access to coverage.

– Low-Cost Insurance

Some states offer programs to low-income families or drivers who receive government assistance. Unfortunately, at this time Indiana has no such plan.

In order to comply with state law, you must carry the minimum liability coverage.

The best way to find cheap rates is to shop around and see if you qualify for any driver discounts.

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– Automobile Insurance Fraud in Indiana

Insurance fraud is a felony in the state of Indiana. 

Fraud typically occurs when an individual attempts to receive a monetary benefit from a claim by lying or falsifying what took place.

 Insurance companies are also be found guilty of committing fraud at times. In this guide, we’ll focus on consumer auto insurance fraud.

Indiana’s fraud laws are laid out in Indiana Code Title 27, Indiana Code Section 35-43-5-4.5, and Indiana Administrative Code Title 760. Examples of insurance fraud include:

  • Filing an insurance claim or offering an oral or written statement that is false or misleading with the intention of defrauding the insurer
  • Taking carrier records or assets from the company or hiding them from the Department of Insurance
  • Making a false statement or hiding pertinent facts about an insurance claim or benefit to be paid out from the policy
  • Causing damage to property in order to receive an insurance benefit

Penalties for committing insurance fraud include imprisonment, fines, and the requirement to make restitution to the victim. Civil penalties may also apply, such as fines and revocation of your policy.

The instances of fraud noted above typically fall under the Level Six felony category. The penalties for a Level Six felony include:

  • Six months to 2.5 years imprisonment
  • Fines up to $10,000

If you have been convicted of insurance fraud and are convicted a second time, or if the property value, benefit, or loss is a minimum of $2,500, the felony is categorized as a Level Five offense. The penalties for Level Five felonies include:

  • One to six year’s imprisonment
  • Fines up to $10,000

If you falsify information on an insurance application, the offense is categorized as a Class A misdemeanor. The penalties for such include:

  • One year’s imprisonment
  • Fines up to $5,000

In sum, auto insurance fraud is a serious crime that carries equally severe penalties. 

Some good news, if you don’t commit insurance fraud you’re good to go.

– Statute of Limitations

In Indiana, there is a statute of limitations to file a claim after an auto accident.

  • Property Damage – Two Years
  • Bodily Injury – Two Years

File within this time limit and you’ll be all set.

Ride Safe Indiana Program

From 2016 to 2017 Indiana saw a 17 percent increase in motorcycle-related accidents. In response, they began the Ride Safe Indiana Program focusing on motorcycle training in hopes of reducing accidents, injuries, and fatalities.

Even so, some Hosiers call to reverse the state’s repeal on required motorcycle helmets, which can contribute to fatalities. One such article was in the IndyStar.com, one of the top newspapers in the state.

– Vehicle Licensing Laws

Up next, we’ll dive into the state’s licensing requirements for drivers. Teen drivers, older drivers, and the general population will all get their own section.

– Real ID

Indiana is in full compliance with the REAL ID Act passed by Congress and enforced by Homeland Security. This means that a driver’s license or state ID issued by the Hoosier State is an acceptable form of identification at federal facilities, airports, and nuclear power plants.

As of October 1, 2020, anyone wishing to fly on a commercial flight or enter a federal facility must have a REAL ID-compliant form of identification.

– Penalties for Driving Without Insurance

As we’ve mentioned, all drivers in Indiana are required to carry insurance. There are serious penalties if caught without it:

  • 1st offense: License/registration suspension for 90 days to one year
  • 2nd offense: Within three years, license/registration suspension for one year

Cops check for proof of insurance at traffic stops, and a general certificate of compliance (either digital or physical) is required with all traffic violations and accidents.

If you drive without coverage and find yourself pulled over or in an accident, you will likely be saying goodbye to your driving privileges for a good while.

– Teen Driver Laws

So what do teen driver laws look like in the state of Indiana?

Drivers must be at least 15 years old to obtain your learner’s permit if you are taking a driver’s education program. If not, drivers must wait until age 16. To obtain a restricted license or license, you are required to:

  • Have your learner’s license for at least six months
  • Complete 50 hours of supervised driving time, 10 of which need to be at night
  • Be at least 16 years and three months of age

Restrictions during the intermediate licensing stage include:

  • No driving between the hours of 10 P.M. and 5 A.M. during the initial six months
  • After the first six months, no driving between the hours of 11 P.M. and 5 A.M. Sunday through Friday or 1 A.M. to 5 A.M. Saturday through Sunday
  • No passengers except for family members

Nighttime restrictions will be lifted after six months if the teen driver is 18 or once they turn 21, whichever happens first. If under the age of 18, teen driver’s night restrictions may last more than six months (until they turn 18).

The passenger restrictions follow the same policy, requiring a six-month period or upon turning 21.

Drivers must be at least 16-and-three-months of age to obtain an intermediate license, you must be 16-and-nine-months old without driver’s education.

– Older Driver License Renewal Procedures

Older drivers must follow these procedures when renewing their license:

  • Renew once every three years if between the ages of 75 and 84
  • Renew once every two years if 85 or older
  • If 75 or older, provide proof of adequate vision at each renewal
  • Mail or online renewal is not allowed for drivers 75 and up

As for the general population, requirements are as follows:

  • Renew once every six years
  • Proof of adequate vision is required if renewing in person
  • You can renew online every other renewal

– New Residents

New to the Hoosier State? Here’s how to get a new Indiana driver’s license. You’ll need:

  • One document as proof of identity
  • One document proving your legal status in the U.S.
  • One document as proof of your Social Security number
  • Two documents as proof of your Indiana residency

You’ll also be required to provide proof of adequate vision at least once every 10 years, so you will still need to make at least one visit to the DMV in person.

– Negligent Operator Treatment System (NOTS)

In the state of Indiana, under Indiana Code Title 9-21-8-52, reckless driving includes:

  • Driving at such high or low speeds that you endanger the wellbeing of individuals or property or impede the flow of traffic
  • Passing another car on a curve or slope where your visibility is impaired to under 500 feet
  • Passing a school bus that is stopped and has the arm-signal out

Reckless driving isn’t safe and it can increase insurance rates go up. Try to avoid speeding and obey posted speed limit laws.

– Rules of the Road

We’ve made it this far, and now it’s time to look at Indiana’s rules of the road.

– Fault vs. No-Fault

Indiana is an “at-fault” state, meaning that if you are found to be the cause of an auto accident, you will be responsible for covering the cost of any damages or injuries caused.

The at-fault party’s insurance company handles losses up to the policy limit. From there, you are responsible to cover any costs.

– Seat belt and car seat laws

In Indiana, passengers in the front seat of a vehicle must wear a seat belt. Children 16 years and younger must be properly restrained no matter where they are sitting.

Currently, Indiana doesn’t have any laws restricting passengers from riding in the cargo seat areas of pick up trucks.

– Keep Right and Move Over Laws

Indiana has a keep-right law. That means drivers in the left lanes of highways traveling beneath the speed of traffic are required to move over to the right lane so faster cars can pass.

Penalties for violating the rule include traffic citations and fines up to $500.

– Speed Limits

Here are the general speed limits in the state of Indiana:

  • 70 mph on rural interstates
  • 65 mph on rural interstates for trucks only
  • 55 mph on urban interstates
  • 60 mph on limited-access roads
  • 55 mph on all other roads

Of course, some locales will have their own speed limits. Please follow any posted signage.

– Ridesharing

Rideshare has become increasingly popular in the last few years. Drivers, new and old, should be sure to check that their policy covers rideshare liability.

If you’re working as a ride-share driver in Indiana, you have several options for rideshare insurance.

This coverage is very important, as many insurance companies don’t cover the damages from an accident if you’re ridesharing driving (without special add-ons) and the company insurance (the Uber or Lyft) may not cover instances where a passenger wasn’t in the car.

Your options are:

  • State Farm
  • USAA
  • Allstate
  • Geico
  • Traveler’s
  • Farmers
  • SafeCo (a subsidiary of Liberty Mutual)

When approaching these companies, ask what periods they cover, as some only allow for certain conditions, like having the app on but no passengers.

– Automation on the Road

According to the Insurance Institute for Highway Safety (IIHS),

“Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human. In driving, automation involves using radar, camera and other sensors to gather information about a vehicle’s surroundings, which is then used by computer programs to perform parts or all of the driving task on a sustained basis.”

Currently, Indiana has approved the use of “regulated platooning technology”. This allows groups of buses or trucks to travel at electronically controlled rates of speed with set intervals between vehicles.

– Safety Laws

When it comes to safety laws, its vital to know what is protecting you and your fellow passengers on Hoosier roadways.

– DUI Laws

In Indiana, drivers face an Implied Consent Law: Anyone operating a motor vehicle is giving consent to having a chemical test run of their breath, blood, urine, or other bodily substance.

If you are caught driving under the influence, the penalties are steep. Here is a look at DUI sentences, including fines and prison time:

OWI PenaltyLicense RevokedJail TimeFinesAdditional Information
1st30 days - 2 yearsup to 1 year$500 - $5,000May be required to attend victim impact counseling
2nd180 days - 2 years5 days - 3 yearsup to $10,000Same
3rd1 - 10 years10 days - 3 yearsup to $10,000Same

For a first offense, drivers may face a fine of up to $5,000, license suspension for up to two years, and jail time for up to one year. Don’t forget the additional legal and court costs as well.

– Marijuana-Impaired Driving Laws

The possession and use of marijuana are illegal in the state of Indiana.

When it comes to marijuana-impaired driving, the state adheres to a zero-tolerance policy for THC and metabolites. In fact, individuals convicted of driving under the influence of a drug face penalties of:

  • 60 days to one year’s imprisonment and up to $5,000 in fines for the first offense
  • Five days to three year’s imprisonment and up to $10,000 in fines for a second offense
  • 10 days to three year’s imprisonment and up to $10,000 in fines for a third offense

Be aware and avoid driving in Indiana while under the influence of marijuana or possessing the drug in the Hoosier state.

– Distracted Driving Laws

Drivers under the age of 21 are restricted from using a cellphone while driving, and texting is banned for all drivers.

Driving Safely in Indiana

Now that we’ve covered Indiana state laws, let’s jump into some important facts. While insurance is important, it’s also vital to know what to keep your eyes out for on the road and how to best stay safe.

– Vehicle Theft in Indiana

In 2016 alone, over 10,904 vehicle thefts occurred in Indiana. When deciding on your next car purchase, it’s worth considering that certain vehicles are stolen more frequently, and as such, may incur higher insurance rates.

Here’s a list of the top 10 stolen vehicles in Indiana.

MODELYEARNUMBER OF THEFTS
Ford Pickup (Full Size)2005659
Chevrolet Pickup (Full Size)1994619
Chevrolet Impala2004423
Dodge Pickup (Full Size)2001263
Chevrolet Malibu2005238
GMC Pickup (Full Size)1995192
Honda Accord1994186
Chevrolet Pickup (Small Size)1998186
Pontiac Grand Prix2004183
Ford Taurus2003182

The full-size Ford pickup is the number one most stolen vehicle in the state.

– Vehicle Theft by City

Vehicle thefts also vary by city. The FBI created a 2016 report on Indiana’s vehicle thefts by cities, which are listed below.

Albion5
Alexandria6
Anderson224
Aurora7
Bargersville12
Batesville6
Bedford27
Beech Grove64
Berne2
Bloomington166
Bluffton9
Boonville12
Bremen8
Brownsburg22
Carmel38
Cedar Lake13
Charlestown5
Chesterton12
Clarksville123
Clinton5
Columbus165
Crawfordsville17
Crown Point16
Cumberland11
Danville17
Decatur6
Dyer17
East Chicago105
Edinburgh1
Elkhart189
Ellettsville13
Elwood14
Evansville475
Fairmount0
Fishers35
Fort Wayne532
Frankfort24
Franklin20
Gary422
Gas City2
Goshen73
Greenfield35
Greenwood127
Griffith21
Hagerstown0
Hammond326
Hartford City3
Highland34
Hobart56
Huntingburg6
Indianapolis4,904
Jasper10
Jeffersonville181
Kendallville33
Knox3
Kokomo87
Lafayette161
Lake Station26
La Porte19
Lawrenceburg12
Ligonier8
Linton6
Logansport25
Lowell0
Marion84
Merrillville122
Mishawaka
Mooresville22
Muncie275
Munster20
Nappanee9
New Haven29
New Whiteland4
Noblesville48
North Vernon0
Peru14
Plainfield77
Plymouth20
Porter3
Portland4
Rushville9
Scottsburg5
Sellersburg14
Seymour66
Shelbyville37
South Bend468
South Whitley0
Speedway37
St. John13
Tell City11
Tipton12
Valparaiso21
Vincennes93
Warsaw21
Waterloo14
Westfield16
West Lafayette20
Whitestown15
Whiting3
Winchester5

Indianapolis, the largest city in the state, leads the way with 5,005 vehicle thefts in 2016. Be sure to lock your vehicle whenever you park it.

– Road Fatalities in Indiana

Unfortunately, some accidents lead to fatal consequences. In this section, we’re going to cover statistics on different types of accidents in Indiana.

– Fatal Crashes by Weather Condition and Light Condition

Weather and light conditions both play a role. Here are the stats:

WEATHER CONDITIONDAYLIGHTDARK, BUT LITDARKDAWN OR DUSKOTHER / UNKNOWNTOTAL
Normal412110203261752
Rain238233057
Snow/Sleet10150016
Other5060011
Unknown000000
Total450119237291836

As shown above, the majority of road fatalities occur in daylight (when most people are on the road). But a good portion occurs during periods of darkness or relative darkness, even though fewer people drive during those times.

Nighttime driving also means facing obstacles like drunk driving, speeding, and riding without seatbelts.

– Fatalities (All Crashes) by County

Here are is a chart of fatalities by county, showing the trend over the past five years. You can search your county to see how it compares.

COUNTY20132014201520162017
Adams County57285
Allen County3130364333
Bartholomew County1220141621
Benton County21213
Blackford County01312
Boone County1312579
Brown County52172
Carroll County63523
Cass County63988
Clark County1115101515
Clay County17553
Clinton County374125
Crawford County17221
Daviess County87572
De Kalb County97747
Dearborn County18577
Decatur County601715
Delaware County151010818
Dubois County76362
Elkhart County2033162618
Fayette County33345
Floyd County588119
Fountain County41221
Franklin County12347
Fulton County13237
Gibson County61410196
Grant County771199
Greene County927114
Hamilton County1414161019
Hancock County567166
Harrison County510131014
Hendricks County71117811
Henry County7910410
Howard County1013171219
Huntington County18549
Jackson County8741112
Jasper County1377710
Jay County86333
Jefferson County74594
Jennings County547118
Johnson County8961213
Knox County53393
Kosciusko County88171514
La Porte County2110192718
Lagrange County776106
Lake County4859505151
Lawrence County836136
Madison County2315131720
Marion County8397104102109
Marshall County739611
Martin County03251
Miami County494911
Monroe County76161010
Montgomery County35658
Morgan County10171448
Newton County34389
Noble County75477
Ohio County11212
Orange County13231
Owen County37562
Parke County43730
Perry County44113
Pike County16610
Porter County1322192819
Posey County44235
Pulaski County21240
Putnam County118196
Randolph County48883
Ripley County511165
Rush County23302
Scott County61956
Shelby County6911710
Spencer County28375
St. Joseph County2312222728
Starke County54543
Steuben County651255
Sullivan County25427
Switzerland County42223
Tippecanoe County61972316
Tipton County102346
Union County22021
Vanderburgh County2015162114
Vermillion County47472
Vigo County91214169
Wabash County7141018
Warren County12234
Warrick County348511
Washington County753137
Wayne County971074
Wells County46746
White County713363
Whitley County74585
Marion County, which is the most populous in the state, also has the highest fatality total.

– Traffic Fatalities

Even though more people live in urban areas, fatal accidents in rural areas are much more common than their urban counterparts:

TYPENUMBER OF FATALITIES
Rural Traffic Fatalities555
Urban Traffic Fatalities357

The Indiana State Government lists several factors as to why car crashes in rural areas result in more fatalities:

Crashes in rural areas are more likely to result in fatalities largely due to these circumstances, as crashes are more likely to occur at higher speeds, with fixed objects that increase the force of impact, and because of greater distance and longer travel times to and from the crash site by emergency care providers

They also cite reckless driving and driver impairment as contributing factors.

– Fatalities by Person Type

Next, we’ll break down fatalities by whether the victim was a pedestrian, occupant, or type of the vehicle driven:

INDIANA TRAFFIC FATALITIES BY PERSON TYPE20132014201520162017
Passenger Car Occupants321258326331355
Light Pickup Truck Occupants951018811890
Light Utility Truck Occupants849211598124
Large Truck Occupants1615161417
Other/Unknown Occupants91191814
Van Occupants4542413444
Bus Occupants41001
Motorcyclists115124108101149
Pedestrians76789687101
Bicyclists and Other Cyclists1412121913
Other/Unknown Non-occupants58576
State Total784745817829914

Sadly, more people died in 2017 than in any other year. Deaths have been rising for the past four years.

Also, note the jump in motorcyclist deaths from 2016 to 2017: this is a primary reason for the state’s new program and why outlets are calling for renewed helmet laws.

– Fatalities by Crash Type

Here the data is broken down by crash type:

Crash Type20132014201520162017
Total Fatalities (All Crashes)784745817829914
Single Vehicle431397443436455
Involving a Large Truck117128118108138
Involving Speeding218204233213208
Involving a Rollover162166181176173
Involving a Roadway Departure447406435454471
Involving an Intersection192189217221261

There were big increases from 2016 to 2017 with the exception of speeding and roll-over related fatalities.

Accidents involving a large truck and involving an intersection saw the most considerable increases.

– Five-Year Trend For The Top 10 Counties

Now, by county:

County20132014201520162017
Newton County21.3921.2928.621.3556.62
Gibson County11.9517.7941.6429.7856.59
Washington County43.1825.11810.8146.72
Brown County26.5733.4613.346.6646.56
Vermillion County12.6225.5544.8925.6245.15
Jennings County31.8917.9114.3825.3439.82
Martin County9.78029.3719.639.16
Clinton County21.359.2321.612.437.13
Warren County11.961224.1824.4736.58
Spencer County24.089.6338.7614.6434.32

– Fatalities Involving Speeding by County

Speeding is a major problem across the country, and Indiana is no exception. It accounts for 8.4 percent of all collisions, and 22 percent of all fatal collisions.

In 2017, Marion County ranked the highest in the number of speeding collisions and Union County ranked the highest in the percentage of all fatal speeding collisions.

Here is a list:

COUNTY20132014201520162017
Adams County13010
Allen County1087158
Bartholomew County35314
Benton County00000
Blackford County00000
Boone County23121
Brown County01011
Carroll County31100
Cass County21310
Clark County16342
Clay County00231
Clinton County04241
Crawford County11000
Daviess County11110
De Kalb County43123
Dearborn County02212
Decatur County10101
Delaware County33326
Dubois County41011
Elkhart County812398
Fayette County22101
Floyd County23322
Fountain County00100
Franklin County10202
Fulton County02103
Gibson County26344
Grant County32210
Greene County11131
Hamilton County25322
Hancock County11120
Harrison County15323
Hendricks County21700
Henry County13322
Howard County13202
Huntington County03132
Jackson County24142
Jasper County32312
Jay County01000
Jefferson County31141
Jennings County00341
Johnson County12112
Knox County03021
Kosciusko County10212
La Porte County73957
Lagrange County32441
Lake County212591612
Lawrence County21012
Madison County41156
Marion County2030311823
Marshall County20201
Martin County01010
Miami County01304
Monroe County21910
Montgomery County21111
Morgan County24324
Newton County01043
Noble County31002
Ohio County00110
Orange County00100
Owen County12202
Parke County10110
Perry County22101
Pike County01110
Porter County26532
Posey County01000
Pulaski County00200
Putnam County33142
Randolph County00011
Ripley County40411
Rush County00301
Scott County20705
Shelby County13114
Spencer County00010
St. Joseph County6261310
Starke County10111
Steuben County31220
Sullivan County01120
Switzerland County10001
Tippecanoe County39084
Tipton County81222
Union County12011
Vanderburgh County53362
Vermillion County15130
Vigo County41512
Wabash County23400
Warren County00010
Warrick County10032
Washington County42141
Wayne County12421
Wells County21100
White County05120
Whitley County40112

In 2017, the counties with the highest percentage of fatalities per speeding collision were all clustered in the northern part of the state.

– Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

Here is the data on drunk drivers and fatalities:

COUNTY20132014201520162017
Adams County13010
Allen County1087158
Bartholomew County35314
Benton County00000
Blackford County00000
Boone County23121
Brown County01011
Carroll County31100
Cass County21310
Clark County16342
Clay County00231
Clinton County04241
Crawford County11000
Daviess County11110
De Kalb County43123
Dearborn County02212
Decatur County10101
Delaware County33326
Dubois County41011
Elkhart County812398
Fayette County22101
Floyd County23322
Fountain County00100
Franklin County10202
Fulton County02103
Gibson County26344
Grant County32210
Greene County11131
Hamilton County25322
Hancock County11120
Harrison County15323
Hendricks County21700
Henry County13322
Howard County13202
Huntington County03132
Jackson County24142
Jasper County32312
Jay County01000
Jefferson County31141
Jennings County00341
Johnson County12112
Knox County03021
Kosciusko County10212
La Porte County73957
Lagrange County32441
Lake County212591612
Lawrence County21012
Madison County41156
Marion County2030311823
Marshall County20201
Martin County01010
Miami County01304
Monroe County21910
Montgomery County21111
Morgan County24324
Newton County01043
Noble County31002
Ohio County00110
Orange County00100
Owen County12202
Parke County10110
Perry County22101
Pike County01110
Porter County26532
Posey County01000
Pulaski County00200
Putnam County33142
Randolph County00011
Ripley County40411
Rush County00301
Scott County20705
Shelby County13114
Spencer County00010
St. Joseph County6261310
Starke County10111
Steuben County31220
Sullivan County01120
Switzerland County10001
Tippecanoe County39084
Tipton County81222
Union County12011
Vanderburgh County53362
Vermillion County15130
Vigo County41512
Wabash County23400
Warren County00010
Warrick County10032
Washington County42141
Wayne County12421
Wells County21100
White County05120
Whitley County40112

In 2017, alcohol-impaired drivers accounted for just 2 percent of collisions. But, they accounted for 10 percent of the collisions with fatalities.

LaGrange and La Porte counties had the highest rates of alcohol-impaired drivers per collision.

Martin, Switzerland, and Pulaski counties had the lowest.

– Teen Drinking and Driving

Good news for Indiana parents, teen drinking and driving is relatively low in the Hoosier state compared to the rest of the country. However, it is still a danger. Here’s a quick statistic:

In 2016, there were 61 DUI arrests involving minors (those under 18), which is 38.72 per one million people. Indiana ranks 40 out of 50 states when it comes to DUI arrests.

This graph by Responsibility.org shows there are 1.1 alcohol-impaired fatalities per 100,000 people in the state for those under 21 years of age. That’s better than the national average.

– Transportation in Indiana

In this last section, we’ll go over the stats about commute, car ownership and more.

Our data was sourced from the Census Bureau via DataUSA.io.

– Car Ownership

On average, Indiana households own two cars. This is in line with the national trend.

– Commute Time

Good news again, Hoosiers. Indiana’s commute time (22.6 minutes) is almost three minutes less than the national average (25.5 minutes).

Compared to neighboring states, Indiana is pretty much even with Ohio and Kentucky but beats Illinois by a large margin.

– Commuter Transportation

Indiana drivers are most likely to travel to work alone. However, some people are beginning to turn to other commute options like carpooling. Or Hoosier’s may work from home, skipping the commute altogether.

– Traffic Congestion

Traffic congestion can cause frustration, missed meetings, and hours wasted. Fortunately, Hoosiers’ traffic congestion isn’t all that bad.

INRIX uses big data to determine which global cities have the worst traffic congestion. Some more good news: Indianapolis is the only Indianapolis city on the list (and places 177th globally).

TomTom only includes Indianapolis as well, and with an even better ranking than INRIX. On this list, Indy comes in at 379 in the world for 2018.

The rest of Indiana experiences such minimal traffic that they are not mentioned.

And that’s that! You’re a certified master of the Hoosier roads now. We hope you’ve learned something (or a lot of somethings) and feel confident to find the best auto insurance possible.

If you’re ready to get started comparing rates, click below to get quotes and start saving.

References:
  1. https://drivinglaws.aaa.com/tag/liability-laws/
  2. https://www.in.gov/bmv/2572.htm
  3. http://iga.in.gov/static-documents/d/1/f/1/d1f14742/TITLE9_AR25_ch5.pdf
  4. https://statecodesfiles.justia.com/indiana/2016/title-9/article-25/chapter-4/chapter-4.pdf
  5. http://www.calculatorpro.com/calculator/insurance-cost-calculator/
  6. https://www.naic.org/
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  14. https://www.criminaldefenselawyer.com/crime-penalties/federal/Insurance-Fraud.htm
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  18. https://statelaws.findlaw.com/indiana-law/indiana-insurance-fraud-laws.html
  19. https://www.blackburnandgreen.com/motorcycle-crash-statistics-in-indiana
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  27. http://iga.in.gov/legislative/laws/2018/ic/titles/001#IC9-30-6-1
  28. https://www.ghsa.org/node/3281
  29. https://www.hesslerlaw.com/practice-areas/indianapolis-owi-charges/indiana-dui-involving-drugs/
  30. https://ucr.fbi.gov/crime-in-the-u.s/2016/crime-in-the-u.s.-2016/tables/table-6/table-6-state-cuts/indiana.xls
  31. https://www.forbes.com/2009/01/21/car-accident-times-forbeslife-cx_he_0121driving.html#7cb2a35c6fc0
  32. https://www.in.gov/cji/files/Highway_Safety_Fact_Book_2017.pdf
  33. https://www.responsibility.org/wp-content/uploads/2018/02/2016-Under-21-Alcohol-Impaired-Driving-Fatalities-Per-100000-Population-by-State.pdf
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  35. https://datausa.io/profile/geo/kansas#category_transportation
  36. http://inrix.com/scorecard/
  37. https://www.tomtom.com/en_gb/traffic-index/indianapolis-traffic

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