Buy Cheap Indiana Auto Insurance in 2024
Compare Quotes Now
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$10,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
$25,000 limit per person / $50,000 limit per accident, but may be rejected in writing
Underinsured Motorist
Not required, but recommended
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Indiana Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
No
No.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers under the age of 18 cannot use a cell phone at all while driving.
Texting Ban:
Yes
In Indiana, text messaging is banned for all drivers.
DUI Laws
Buy Cheap Indiana Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
.15 or above
There's an increased penalty for driving with a BAC 0.15 or above.
1st offense Suspension:
180 days
Administrative license suspension on the 1st offense: In Indiana, law enforcers can confiscate a first-time offender's driver's license for 180 days if he or she exceeds the legal limit. Limited driving privileges, such as to and from work, are permitted after 30 days.
Ignition Interlocks:
Discretionary
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Indiana made the installation of ignition interlocks discretionary.
Repeat Offenders:
Yes
Minumum penalities for repeat offenders include suspension of driving privileges for no less than one year, impoundment or immobilization of any and all of the offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and a sentence of at least five days of imprisonment or 30 days of community service for a second-time offender. Third-time and further offenders can see at least ten days of imprisonment or 60 days of community service.
Open Container Law:
Yes
No driver or passenger can have a container of alcohol with a broken seal in his or her possession or in any passenger area of their vehicle. Any previously opened alcoholic beverage containers may be transported in a vehicle's trunk.
Graduated Drivers License
Buy Cheap Indiana Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years of age if taking driver's education and 16 years of age if not taking driver's education, individuals can begin driving with supervision for a period of time lasting a minimum of six months. In this stage, the new drivers are required to get 50 hours of supervised driving hours, 10 of which need to be at night.
Intermediate Stage:
Min. Age: 16.5 (w/ driver's ed); 16.75 (w/o driver's ed)
Night Driving Restriction: First 180 days: 10pm-5am; After 180 days: 11pm-5am (Sun-Thurs) and 1am-5am (Fri-Sat)
Passenger Restriction: No passengers for the first 180 days
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 years and 6 months (if they took driver's ed) and at 16 years and 9 months (if they didn't take driver's ed) are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 10pm and 5am or have any passengers for the first 180 days. After 180 days, their driving restrictions change to 11pm-5am Sunday through Thursday and 1am and 5am Friday through Saturday.
Full Privilege Age:
Age: 17 (no more passenger restrictions, if took driver's ed); 17.25 (no more passenger restriction, if didn't take driver's ed); 18 (no more night driving restrictions)
(Full driver's license): At the age of 18, Indiana drivers can now get a standard driver's license without any restrictions. At the age of 17 years, drivers who took driver's education no longer have any passenger restrictions. If a driver didn't take driver's education, their passenger restrictions last until they are 17 and three months.
Speed Limit
Rural Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
65
MPH
Urban Interstates:
SPEED LIMIT
55
MPH
SPEED LIMIT
55
MPH
Other Limited Access Roads:
SPEED LIMIT
60
MPH
SPEED LIMIT
60 MPH
Page Source: ghsa.org
Buy Cheap Indiana Auto Insurance in 2024
Department of Insurance
Website: www.in.gov/idoi/
Address: 311 West Washington Street # 300, Indianapolis, Indiana 46204-2787
Phone: 317-232-2385 or 1-800-622-4461
Buy Cheap Indiana Auto Insurance in 2024
DMV Information
Website: www.state.in.us/bmv/
Phone: 888-692-6841
Call Center Hours:
Hours: 8:15 a.m. - 6:00 p.m. (ET) Monday through Friday