Researching the average cost of car insurance in Indiana is a good first step towards being a responsible driver. Before driving legally on the roads of Indiana, or any state for that matter, it is important to know a little bit about what the state requirements are. Being caught driving without proof of insurance or having an accident and not having the state minimum requirements can cause serious problems.

If you are a new driver or a new driving aged resident to the state of Indiana, it is your responsibility to find out what the current state requirements are. Keep in mind that even if you are without a car, it is important to keep a policy of some sort in place. Get the minimum required in order to rent or borrow a car and avoid having a lapse of more than 30 days in your policy or you will be considered a higher risk driver.

About Indiana Requirements

Remember, you should check with your state, your policy provider, or your potential provider to find out all of the up-to-date auto insurance coverage requirements for the state of Indiana. Presently, some of what can be expected for your coverage requirements includes:

• Indiana requires its drivers to carry at least a liability car insurance policy in order to drive legally. Liability coverage means that in the event of an accident in which you are deemed the at fault driver, your policy covers other drivers, passengers, persons, and property. Remember, though, if you want to make sure your own potential medical expenses and property are covered, you will need more than the state minimum.

• The current Indiana liability minimum is 25/50/10. The first number represents the $25,000 minimum your policy must include that covers each person’s medical or death related expenses in the event of an accident in which you are the at fault driver. The second number is the total amount for all injuries for other people that you must have, which would be at least $50,000 in Indiana. Finally, the last number means you must carry a minimum of $10,000 for coverage for property damage caused in an accident in which you are the at fault driver.

• In the state of Indiana, if you are caught driving without auto insurance coverage in place, your driver’s license will be under suspension for 90 days along with additional fines. For a first time offense, the financial penalty includes a $150 reinstatement fee. A second offense is a $225 reinstatement fee, and a third offense is a $300 reinstatement fee. Any driver caught violating the Indiana state car insurance laws twice within a year will be penalized by losing their driver’s license and driving privileges for a year.

Getting Your Indiana Auto Insurance Policy

When it comes to getting your auto insurance policy coverage in the state of Indiana, there are many things that can impact the average costs. Some of what policy providers can check or consider in order to evaluate your rates in the state of Indiana includes:

• Personal Credit History
• Age and Gender
• Type & Use of Car
• Claims History & Driving Record
• Marital Status
• Plus many more possible considerations

Even where you house the car when it is not in use can impact your rates. For example, some companies may offer lower car insurance premiums if you keep your car in a garage as opposed to outside and exposed to the elements or potential vandalism or theft.

Even your zip code within the state of Indiana can affect your rates. Your zip code lets a company evaluate the rate of vehicular accidents, criminal activity, road construction, and other things unique to different areas of the state. So if you are considering more than one possible area to move to within the state of Indiana, you may want to check to see what your auto coverage rates would be in the different areas.

Getting your car information changed once you move is important to do fairly quickly after you move. You will need to register your vehicle, get a new Indiana state issued driver’s license, and, of course, change your car insurance. Remember, it is very important to make sure you have at least the minimum required for the state you live in and also to avoid having any lapses in your coverage for any reason.

The best way to find out what the average cost of car insurance in Indiana is would be to get your FREE quotes today. With just your zip code, you can get competitive rates on policy coverage costs right away.