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.

USAA offers Indiana residents a large combination of car insurance coverages and excellent service.

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:

  • $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.

  • $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.

  • $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.

  • 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.