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Indiana Insurance Guide
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Insurance in Indiana
Find comprehensive insurance information for Indiana (IN) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Midwest region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Indiana (IN) |
| Region | Midwest |
| Population | ~6.8M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Indiana Department of Insurance |
Health Insurance in Indiana
Indiana residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Indiana
Indiana has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Indiana
Protect your home with coverage tailored to Indiana’s specific risks and requirements.
Life Insurance in Indiana
Find life insurance options available to Indiana residents to protect your family’s financial future.
How Indiana Compares
Understanding how Indiana stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Indiana | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,102 | $1,935 | -43% (well below average) |
| Health Insurance (monthly) | $398 | $477 | -17% (well below average) |
| Home Insurance (annual) | $1,423 | $2,377 | -40% (near average) |
| Uninsured Rate | 8.1% | 9.5% | -15% (near average) |
Key Insights
- Auto insurance in Indiana is significantly cheaper than the national average, ranking #10 lowest in the country.
- Health insurance premiums are relatively affordable compared to other states, ranking #7 lowest.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Indiana Department of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Indiana (opens in new tab) - Federal health insurance marketplace for Indiana
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Indiana address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Indiana Department of Insurance
- Phone
- 317-232-2385
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Indiana?
Indiana requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Indiana also requires uninsured motorist coverage unless you specifically reject it in writing.
How do I get health insurance in Indiana?
Indiana uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. Indiana has the Healthy Indiana Plan (HIP), an expanded Medicaid program with unique features including health savings accounts. Many residents qualify for premium tax credits.
Does Indiana homeowners insurance cover tornado damage?
Yes, standard homeowners insurance covers tornado and wind damage in Indiana. Given Indiana’s tornado risk, ensure adequate dwelling coverage and understand your wind/hail deductible, which may be percentage-based in high-risk areas.
Is flood insurance required in Indiana?
Flood insurance is required for properties in FEMA-designated flood zones with federally backed mortgages. With flooding risks along the Ohio, Wabash, and White rivers, flood coverage is recommended even outside designated zones.
What is the average cost of car insurance in Indiana?
Indiana drivers pay approximately $1,000-$1,300 per year for full coverage auto insurance, which is below the national average. Indianapolis metro area rates are higher than rural areas.
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[indiana] Insurance Types
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Neighboring State Guides
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