Indianapolis, Indiana Auto Insurance

Get Car Insurance in Indianapolis  

Indy residents know that whether they go watch their favorite sports team play, drive over to Fountain Square to grab a bite, or commute to work, car insurance is essential in Indianapolis.  

Indianapolis drivers also understand that driving in this city often comes with challenges. While residents may humorously note that Indy drivers are very assertive, it’s no joke that Indiana has some of the most aggressive drivers in the country. Continued construction projects and congested roads during peak hours are additional obstacles.  

Having sufficient car insurance is one proactive choice drivers in Indianapolis make that may give them extra peace of mind. Which is why Access Insurance Agency of Indiana, LLC. (Access) has been helping drivers find affordable and customizable car insurance options for almost 20 years. Though we are Access, we are also familiar with Indiana’s needs. 

Why choose Access Auto Insurance in Indianapolis 

Finding an insurance policy that adjusts to your needs can seem like a lot of work. By working with Access, you’ll get the expert support you need as you look for coverage. We can help you with: 

• Fulfilling state insurance requirements: The insurance carriers we work with offer minimum liability coverage as well as other options. Our agents can help you understand what you need as an Indianapolis driver. 
• Spanish-bilingual customer support: Whether English or Spanish is your preferred language, we’ll work with you without any language barriers. 
• Collision and comprehensive coverages: These are car insurance options you can choose that may help offset the costs of expensive accidents, unexpected events, or extreme weather incidents. 
• Roadside assistance coverage: If you’d like to opt for services such as roadside towing, roadside flat-tire changes, lockout assistance, and more, choose this coverage. 
• Knowledgeable agents: Our agents have expertise with Indianapolis car insurance laws and requirements, so you don’t have to worry about tedious research. 
• Quotes from multiple insurance companies: Don’t limit yourself to only one option. We work with multiple carriers to find you the best rate without sacrificing coverage. 

As you can see, Access Auto Insurance agencies are a great choice for Indianapolis drivers. But what are the legal requirements in this state? 

Car insurance requirements in Indianapolis 

If you’re a driver in Indianapolis, as well as in the rest of Indiana, you’re required to have “25/50/25 insurance.” This is the minimum liability insurance requirement in Indiana. It means that you must have coverage that includes: 

• $25,000 for bodily injuries or death of another person 
• $50,000 for bodily injury or death of two or more people per accident 
• $25,000 for property damage you may cause another person per accident 

When you get a car insurance policy in Indiana, the policy must include uninsured and underinsured motorists’ coverage. Drivers may reject this coverage in writing. However, note that it may help pay for accident expenses when an at-fault driver has no insurance or not enough insurance up to the following limits: 

1. Uninsured motorist coverage (UM):  
   • $25,000 for bodily injury to one person and $50,000 per accident 
   • $25,000 for property damage you experience  
2. Underinsured motorist coverage (UIM):  
   • $50,000 for bodily injuries 

Although not required by the state, drivers who want more coverage in case of unexpected accidents or events often choose a “full coverage” option. This type of policy includes the above liability requirements plus: 

• Collision coverage: It may help with the costs of repairs or replacement of your vehicle after a covered traffic accident. 
• Comprehensive coverage: It may help with the costs of events not associated with traffic accidents. For example: extreme weather events such as floods, wildfires; theft, or vandalism. 

Cost of car insurance in Indianapolis 

The average price of car insurance in Indiana is $1,668 for “full coverage” and $453 for minimum coverage, according to Forbes. Keep in mind that if you live in a heavy-traffic area such as Indianapolis, your insurance rates may increase. Other facts affecting the cost of insurance are: 

• Your driving history: If you’re an experienced driver with a clean driving record, you may pay less than a driver with infractions in their history. 
• Location: Areas with high accident rates or more congestion often see higher rates. 
• Your vehicle type: Luxury vehicles or customized cars can cost more to insure. 
• Coverage limits: If you choose a policy with higher limits, your premiums may be more expensive. However, out-of-pocket costs may be reduced in case of a covered accident. 

Find affordable car insurance in Indianapolis 

Access can help you find a budget-friendly car insurance policy. Here are some ways you may be able to lower your insurance premium rates: 

• Paying your policy in full may qualify you for a discount. 
• Some carriers offer discounts to students with excellent academic records. 
• If you’ve held auto insurance coverage for years without any lapses, a carrier may offer you a discount when you switch. 
• Bundling multiple vehicles under one policy may also qualify you for a discount. 

Ready to see what car insurance options in Indianapolis best fit your budget? Get a free car insurance quote online, call 602-922-3595, or stop by one of our 4 stores in Indianapolis for a free quote today.  

Disclaimer:   

This material is for general informational purposes only. The products, services, and discounts referenced herein are not available in all states or from all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all cases, the actual language of the policy contract prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions, and exclusions may apply.