Indiana requires all drivers to get auto insurance, which will help pay for injuries and damage if you’re in a crash. As a new teen driver with a learner’s permit, you will more than likely be covered via your parent’s insurance policy. Not all insurance companies are the same in this regard, so please check (or have your parents check) with the insurance company to verify whether you are covered. You probably won’t need your own insurance coverage until you start driving without supervision.

Planning ahead: How can I help keep teen driver auto insurance costs down?

  • Keep your grades up. Most insurers offer lower auto insurance rates for students with a “B” or higher grade average.
  • Investigate discounts. Many insurers offer discounts for teen drivers who complete driver’s education or defensive driving courses.
  • Don’t get your own car yet. If you won’t be the main driver for any of your family’s vehicles and can be classified as an occasional driver of one car, you could save your family hundreds of dollars in auto insurance.
  • Practice, practice, practice. Now is the time to drive a lot with your parents under different conditions, so you’ll have fewer surprises (and potential crashes) when you’re driving solo.
  • Partner with your parents. Research shows that teen drivers with more involved parents get fewer tickets and engage in less risky driving. Avoiding tickets and crashes will help keep your auto insurance rates down.  Completing a parent-teen driving agreement with your parents can help.

Car Insurance Requirements in Indiana

All Indiana drivers are required to have auto insurance at the minimum levels of $25,000 per person for bodily injury, $50,000 per collision for bodily injury and $10,000 for property damage (25/50/10). Auto insurance companies in Indiana determine rates based on factors such as your driving record, how long you’ve been a licensed driver, how much you drive, where you live and what you drive.

Learn more about car insurance available through AAA.

  • AAA StartSmart – A series of newsletters that address the challenges teens face when learning to drive.