Indiana Auto InsuranceTo legally drive a car in Indiana, you need a minimum amount of auto insurance Indiana. This is in place to protect all drivers in the case of an automobile accident. Without insurance you would be fully responsible to pay for all damages in an accident for which you were found to be at fault. This could end up costing tens of thousands of dollars, of which many of us could not afford.
There are two types of liability insurance you are required to have. Bodily Injury LiabilityThe first is bodily injury liability which covers injuries to other motorists and pedestrians as a result of your actions while driving. This will cover their medical expenses and pain and suffering up to a maximum amount as described b y your insurance policy. You are required to have at least $25,000 per person, and $50,000 per accident of bodily injury liability insurance. You can have more then this amount, but not less.Property Damage LiabilityYou are also required to have at least $10,000 of property damage liability insurance. This will cover damages to others property such as their car, but does not cover damages to your car. To have your car protected you must have comprehensive and collision insurance as part as your policy.To increase your liability insurance or to add comprehensive or collision coverage to your policy, it will raise your insurance premiums. To see how much it will raise your premiums, get a free Indiana car insurance quote . This will find low car insurance rates in Indiana. If your liability coverage is too low, and you are involved in an accident that is your fault, you will be required to pay for any amount over your limit, so it is wise to fully protect yourself by raising your liability limits! In the state of Indiana you can get a certificate of self insurance by posting a bond of $40,000 with the state. This would be done instead of purchasing auto insurance. More information on this can be found at
the Indiana state office
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