Indiana Auto Insurance Rates and How to Find the Lowest Rates in Indiana
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Ron Trumbo
Car Insurance Editor |
Compared to states like Florida, Indiana is among the more affordable states for cheaper auto insurance. When you're looking for a lower auto rate in Indiana, InsuranceLoco does not recommend simply going for bare bones coverage. More often than not, you can find a lot of coverage for not very much, it just takes a good Indiana insurance agent to look for a couple different quotes. When you shop around for Indiana car insurance, be aware that Indiana's minimum auto liability coverage amounts are 25/50/10 (each state sets its own minimum liability amounts. In Indiana they are as follows: $25,000 Bodily Injury for One Person, $50,000 Bodily Injury for All Injuries, $10,000 Property Damage.
Indiana Driving Records and 12 Most Common Moving Violations and Corresponding Points
When you shop for car insurance in Indiana, your insurance agent is going to ask you about your driving record. Everything you share with them will be validated against your real driving record available via the Indiana BMV. How many points would you say you have on your Indiana driving record? If you have 18 points over a two-year period in Indiana, a judge will determine if you deserve to drive. Here are common moving violations and corresponding point values.
1. Speeding over 1 – 15 mph: 2 points
2. Speeding over 16 – 25 mph: 4 points
3. Speeding over 26+ mph: 6 points
4. Not using headlights: 2 points
5. No brake or signal lights: 2 points
6. Stop sign/Yield sign violation: 6 points
7. Not yielding to emergency vehicles: 8 points
8. Illegal U-turn: 4 points
9. Tailgating: 6 points
10. Excessive/Bad lane change: 4 points
11. Road Racing: 8 points
12. Driving with suspended license: 8 points
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Indiana SR-22 Proof of Insurance
The Indiana BMV requires drivers to have an SR-22 form filed by your Indiana insurance agent or insurance company if you have ever:
1. Been responsible for a car accident where someone was insured or if the damage exceeded $1,000.
2. Received 3 or more moving violations (traffic ticket) within a year
3. Had a traffic violation classified as a misdemeanor or felony, such as a DUI.
4. Been convicted of driving with a suspended license or without insurance
In Indiana, drivers required to file an SR-22 are required to do so for 3 years. The moment your insurance coverage lapses of is cancelled, your insurance company will electronically notify the Indiana BMV and your license will be automatically suspended again. When you speak with an Indiana insurance agent, be truthful and share your need for an SR-22. A qualified agent will be able to help you with your insurance needs and still find your most affordable policy with the best coverage amount. |
