Indiana Car Insurance Coverage


Meet the Car Insurance for Generation Now.

From the scenic backdrop of rolling hills and wide-open prairies to the frenzied excitement of the Indianapolis Speedway, Indiana may be famous for its beauty, its corn fields, and its world-class racing — but don’t let lower premiums on car insurance policies pass you by. Indiana is known as the ‘Crossroads of America’ and, indeed, drivers are at a crossroads for how to select the right car insurance for them. 


If you buy the minimum auto insurance coverage required in Indiana, you can expect to pay an average annual premium of about $354. But even a minimum insurance rate can skyrocket across the state if you’re a young driver, have an infraction, have a lower credit tier, and/or live in a more expensive city.   Of course, many drivers also prefer to have insurance with more coverage in case of an accident; the average annual premium across the state is about $1,203 — which is the 48th lowest of all states.  A variety of vehicles share the road in Indiana — including large farm equipment as well as horse-drawn buggies. State laws require buggies to use four-way flashers between sunset and sunrise. Drivers should keep a safe distance and be patient. Don’t honk the horn as horses can easily get startled and even pull the buggy straight into oncoming traffic.   From the Indy 500 to foodie faves and natural beauty, Indiana has much to love — but the state also has an impressive collection of quirky roadside attractions that include the Future Birthplace of Captain Kathryn Janeway in Bloomington (the future Star Trek captain is said to be born here in 2336), the World’s Largest Ball of Paint in Alexandria, the Giant Lady’s Leg Sundial in Roselawn, and the Dan Quayle Vice Presidential Museum in Huntington. 

Required Indiana vehicle insurance coverages: 

Each state has its own requirements and limitations when it comes to car insurance coverage. In the Hoosier State, it’s mandatory for all drivers to carry liability insurance.  

Minimum Indiana auto insurance requirements include these liability coverage limits, which are often written as 25/50/25: 

  • Bodily injury liability coverage for each person: $25,000

  • Bodily injury liability coverage for the entire accident: $50,000

  • Property damage liability coverage for the entire accident: $25,000


Some of the discounts we offer in Indiana: 

Online Quote Discount

Not only is receiving your quote online easy, but policies that originated from an internet quote are granted our online quote discount.

Paperless Discount

Be an environmental do-gooder while also saving green for your wallet. Instead of receiving paper mailings, you can make the switch to receive all policy documents electronically.

Smart Technology Discount

When safety meets technology, we all benefit. Novo is passing some extra benefits on to you for driving a car that helps keep you safe. A vehicle is eligible for a Smart Technology Discount if the vehicle is equipped with any of the following factory-installed features:

  • Automatic emergency braking

  • Blind spot warning

Multi‐Car Discount

A multi-car indicator applies if there is more than one motor vehicle on the policy.

Homeowner Discount

This applies if the named insured or resident spouse’s primary residence is a house or condominium or mobile home owned by the named insured or resident spouse.  The Company may take reasonable steps to verify this information. 

Paid in Full Discount

A policy is deemed to be Paid in Full (PIF) if the named insured chooses a 1-pay bill plan. Instead of making monthly payments, you can pay your entire premium all at once. Sometimes it’s beneficial to your wallet to do today what you could otherwise wait to pay off tomorrow. And as an extra bonus, you could save money on potential fees you might incur if you forget to pay your bills on time (you know if this applies to you). To learn about all our discounts (including student discounts and other great money-saving offers), call our Customer Service Team at 866-862-7757