Yes. In fact, according to WalletHub, premiums in Indiana fluctuate more than nearly every other location in the country based on a driver’s credit score.
Indiana insurance companies reward good drivers with lower insurance rates. This discount is generally reserved for motorists who have had no moving violations or at-fault accidents in several years. But being a safe driver isn’t the only way to save. Indiana drivers may qualify for other discounts, such as:
- Teen Driver
- Distant Student
- Alternative Fuel
- Defensive Driver
- Good Student
- Anti-Lock Brake
- Anti-Theft Device
- Multiple Line
- Passive Restraint
- Vehicle Safety
Yes, digital proof of insurance has been legal in the state since 2013. Drivers can show evidence of financial responsibility using a smartphone app provided by their insurance company.
If you’re caught driving without the proper amount of insurance in Indiana, your driver’s license can be immediately suspended for 90 days to 1 year.
It’s illegal for people to drive a vehicle in Indiana with the following BAC percentages:
.08%+ for 21 years old or older
.04%+ for commercial vehicle drivers
.02%+ for under 21 years old
In Indiana, you can be charged with operating a vehicle while intoxicated (OWI) if you have a BAC or any illegal drugs in your system. This is true even if your driving ability seems intact. You can also be charged if you drive while impaired, no matter what amount of alcohol or drugs you’ve consumed.
If you’re driving a vehicle in Indiana, you’ve agreed to a chemical test to determine how much alcohol is in your system. Refusing to consent to this test will result in suspension of your driver’s license.
Penalties for an OWI or DUI charge are stiff in Indiana. First-time offenders may face 60 days to 1 year in prison, $500 to $5,000 in fines, and up to 2 years with a suspended license. These increase with subsequent offenses, and by a third offense, and ignition interlock device is typically mandated.
While most states have a “lookback” period in which they count prior convictions in determining whether an offense is a repeat offense often 3 or 5 years), Indiana courts consider two periods—5 and 10 years—when sentencing.
Most drivers take driver improvement courses to remove points from their license, but you may also be able to complete one to qualify for discounts on your auto insurance. Just make sure any course you take is approved by the Indiana Bureau of Motor Vehicles (BMV).
Many drivers opt to risk a higher deductible in exchange for lower monthly premiums. As noted above, as an Indiana resident, your rates are more affected by your credit score than any other state’s. So, monitor your credit score regularly for mistakes and work to improve your credit or maintain it if your score’s already high.
And remember to be a diligent comparison shopper… which you can do now with the click of a button!
Indiana auto liability policies must include uninsured motorist coverage unless it is rejected in writing. This type of insurance is an important protection if you’re involved in an accident with an uninsured or underinsured driver.