Auto Insurance Minimums for Indiana

In the state of Indiana you are required by law to have a minimum liability insurance of 25/50/10.  This ratio translates to $25,000 of Liability Bodily Injury coverage per person injured, $50,000 of Liability Bodily Injury coverage per accident, and $10,000 of Property Damage coverage per accident.  Liability coverage is there to insure you against loss as a result of civil liability for injury or damage to others.

Roughly 14% of all Indiana drivers are uninsured.  As result of this fact the Indiana Department of Insurance strongly recommends that drivers purchase more than the legal limits in addition to uninsured/underinsured motorist insurance (UM/UIM), which protects insured drivers against the 635,068 motorists that defy state law and drive without insurance.  Aside from those that are uninsured, there are thousands more that have inadequate coverage.  In other words, you are putting yourself and your loved ones at risk when you choose to drive without car insurance.  Monthly premiums can be very manageable, and this is precisely why you should shop around for auto insurance quotes to find the best value for the coverage you need.

If you decide to drive without automobile insurance in Indiana your license can be suspended up to a year in addition to having to pay fees of up to $300.  The reality is that purchasing insurance in Indiana is simple especially when you use resources to find the best auto insurance quotes on the market.  The average annual cost of an insurance plan is far less than the emotional and financial risks related to driving without coverage.  You can pay a little, or lose a lot- it’s up to you.

Indiana DUI Law

Driving while intoxicated in Indiana can result in a Class C misdemeanor, whether you are under the influence of alcohol, illegal drugs or even certain prescription drugs. Indiana has strict DUI laws, including jail time and even license revocation. First time offenders may even pay up to $5,000 in fines. 

The blood alcohol concentration limit (BAC) for the state of Indiana is 0.08%, with extra penalties for those who drive with a BAC of 0.15% or higher.If you are arrested for driving under the influence in the state of Indiana, you will have your license suspended for at least six months. After 30 days, a driver may apply for a limited license. You can also spend up to a year in prison for a first offense. Multiple offenses garner even harsher punishments.

Indiana Teen Driving Laws/Auto Insurance Requirements

Indiana has taken effective measures toward preventing teen accidents in the state, including implementing the Graduated Driver Licensing (GDL) program and enacting the Graduated Licensing laws. Teens in Indiana must complete two licensing phases in order to be eligible for an unrestricted license.

Under Indiana’s GDL program, teens first apply for a learner’s permit at age 15 or older. At 16 a teen can apply for a validated learner permit. In order to obtain this permit the teen must provide a signed release form from his or her parent or guardian. This learner license allows the teen to become enrolled in a driver education course.

After the learner permit phase, a teen can apply for an intermediate license or operator license. In order to obtain this license a teen must pass a written and road test, a vision test, and must provide a signed release of responsibility from his or her parents/guardians. They must also be able to produce proof of identity and age. After completing all of these stages, a teen of 17 may apply for a regular Indiana driver’s license if they have maintained a clean driving history.

In Indiana, teens that drive with a BAC of 0.02% or higher are considered driving under the influence, and may face license suspension and hefty fines of up to $500.

All drivers in Indiana must carry the minimum amount of insurance required by the state. This includes teens. Because teens are more likely to be involved in accidents than other age groups, and because Indiana follows the Tort System, teens are advised to carry more than the minimum amount of coverage. Teens can lower their auto insurance quotes by enrolling in driver safety courses and maintaining a B average.