Driver Licensing

Car insurance required by law


Selecting good auto insurance is important. However, our Department cannot recommend specific companies. You may choose from companies which have local or non local agents. The services of the local agent may be of importance when you buy the policy or when you have a claim. Agents can be 'captive' to only one insurance company or 'independent' and represent several companies. It is better to talk with more than one agent and more than one company while researching auto insurance.

Auto Policy Protection

Auto policies typically provide the following types of coverage:

  • Bodily Injury Liability:
    Pays, up to the limits of the policy, for injuries to other people you cause with your car.
  • Property Damage Liability:
    Pays, up to the limits of the policy, for damage to other people’s property caused by your car.
  • Medical Payments:
    Pays medical bills incurred by you and usually your passengers, up to the limits of the policy, if injured while riding in, entering or getting out of the car.
  • Collision:
    Subject to a deductible. It will pay for damage to your car caused by collision or upset.
  • Comprehensive:
    Pays for damages to your car caused by perils other then collision or upset. This includes such losses as theft, fire, a windstorm and glass breakage. A deductible may apply.
  • Other:
    There are other coverage’s such as towing and car rental which may be available.

Setting Rates

Our Department does not set auto rates. However, companies must file their rates and forms with us before they are implemented. If the rates are fair, adequate, and not excessive or unfairly discriminatory, the companies may use them. This permits competition to exist and enables Indiana citizens to buy insurance at a fair price. The rates are open for public inspection.

Automobile Rates

Automobile Rates vary according to many factors. When comparing costs, be sure each company is quoting on the same basis. The least expensive policy is not always the best policy. Some rating factors insurance companies may use are:

  • Age and Sex
  • Marital Status
  • Driver Record
  • Car Use
  • Place of Residence
  • Policy Limits
  • Deductibles
  • Type of Car
  • Driver Training
  • Claims History
  • Credit Scores


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