Indiana insurance shopping
Shopping for car insurance in Indiana? Check UM and UIM before you compare prices.
Indiana auto policies generally include uninsured and underinsured motorist protection unless you reject it in writing. A cheaper quote can look attractive simply because it removed coverage you had before.
Indiana auto rules
What does Indiana require?
25 / 50 / 25
Minimum bodily injury and property damage liability.
UM coverage
Uninsured motorist protection is generally included unless rejected in writing.
UIM coverage
Underinsured motorist protection can help when the at-fault driver has insurance, but not enough.
Why it matters
What happens if I reject UM or UIM?
Liability protects you when you cause covered injuries or property damage to someone else. UM/UIM works in the other direction. It can help when another driver causes your injury and has no insurance or not enough insurance.
If you reject that protection to lower the premium, ask what you would rely on instead if the other driver cannot pay.
Your own vehicle
Does uninsured motorist coverage replace collision?
No. Indiana has rules for uninsured motorist property damage, but that is still different from collision coverage. Policy terms, deductibles and whether the other driver can be identified can matter.
When you compare policies, ask one simple question: what pays to repair my car after a covered crash?
Compare correctly
What should stay the same on Indiana quotes?
- Liability limits.
- UM bodily injury limits.
- UIM bodily injury limits.
- Uninsured motorist property damage coverage.
- Collision and comprehensive deductibles.
- Drivers, vehicles and mileage.
Once the coverage matches, you can see whether the lower price is really a better deal.
Switching
Can I switch Indiana car insurance before renewal?
Yes. You can shop before the policy ends. If you switch, confirm the replacement coverage is active before canceling the old policy.
Related questions
What should you look at next?
Shopping next step
Ready to compare your options?
You now know what to look for before you focus on price. Ensurance helps people shop for better insurance prices and coverage options through one protected request, so you can keep the important details together instead of starting over again and again.
Updated September 18, 2026. Ensurance is a U.S. insurance-shopping company. This page is educational. Insurance prices, availability, eligibility and policy terms vary. Licensed insurance professionals handle policy-specific advice and available options.