Coverage and service as valued as Indiana
Indiana has more miles of interstate highway per square mile than any other state. If you live in the Crossroads of America, USAA offers a combination of coverages and service to fit your needs. Whether you're commuting across Indianapolis, meandering through Muncie or taking in the beauty of Bloomington, USAA can be there for you.
The average cost of car insurance in Indiana
There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record play a part in how much you'll pay.
See note$137 See noteper month
The average monthly cost for all USAA auto policies issued in Indiana in 2023.See note1
Indiana coverage requirements and minimums
As of Jan. 1, 2024, Indiana law requires drivers to have the following minimum bodily injury and property damage liability limits:
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$25,000 of bodily injury liability coverage per person
This helps cover expenses for injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault.
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$50,000 of bodily injury liability coverage per accident limit
This is the total amount of coverage for expenses related to injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault.
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$25,000 property damage liability coverage
This coverage helps pay for damages to other people's property, including vehicles, homes and other buildings in accidents in which you're found at fault.
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Uninsured (UM) and underinsured (UIM) motorist coverage
This pays expenses from an accident caused by a driver with too little or no insurance. In Indiana, you must have UM and UIM coverage unless you reject them in writing.
Minimum limits are:
- Uninsured motorists bodily injury: $25,000 per person, $50,000 per accident
- Uninsured motorists property damage: $25,000 per accident
- Underinsured motorists bodily injury: $50,000 per person
Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.
A popular coverage option is roadside assistance.See note2 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.See note3 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.
If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.
Reasons to choose USAA Auto Insurance in Indiana
A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.See note4 Here's what else you can expect with a USAA Auto Insurance policy.
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Coverages
- Comprehensive, collision and more coverages to fit your needs
- Available roadside assistance 24/7See note2
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Savings and Discounts
- Discounts for insuring multiple vehiclesSee note5
- Savings up to 10% when you bundle auto and property policiesSee note6
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Service
- 24/7 claims reporting online
- IDs and policy management from your mobile device anytime
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Accident ForgivenessSee note7
Remain accident free for five years at USAA, and your first at-fault accident may not impact your future premiums.
Coverage for whatever moves you
Still have questions about car insurance?
We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)