Auto Insurance Requirements in Columbus, Indiana
- Nate Jones, CPCU, ARM, CLCS, AU
- 3 days ago
- 2 min read
If you drive in Columbus, Indiana, understanding the state’s auto insurance requirements is essential. Not only does it keep you compliant with the law, but it also protects you financially in case of an accident. Here’s what you need to know about minimum coverage, optional protections, and how to find the best policy for your needs.
Indiana’s Minimum Auto Insurance Requirements
Indiana law requires all drivers to carry liability insurance. The minimum limits are:
Bodily Injury Liability: $25,000 per person / $50,000 per accident
Property Damage Liability: $25,000 per accident
Uninsured Motorist Coverage: $25,000 per person / $50,000 per accident
Under insured Motorist Coverage: $50,000 per accident
These limits cover injuries and property damage you cause to others, but they do not pay for your own vehicle repairs or medical bills.
Why Minimum Coverage May Not Be Enough
While minimum coverage meets legal requirements, it may leave you vulnerable to high out-of-pocket costs after an accident. For example, if you cause a multi-car collision or injure multiple people, expenses can exceed minimum limits quickly. That’s why many drivers choose higher liability limits and add collision and comprehensive coverage for better protection.
Optional Coverage to Consider
Collision: Pays for repairs to your car after an at-fault accident.
Comprehensive: Covers theft, vandalism, hail, and animal strikes—common in Indiana.
Medical Payments (Med Pay): Helps with medical bills regardless of fault.
Roadside Assistance: Provides towing and emergency help when you need it most.
Factors That Affect Your Premium
Your rate depends on:
Driving record
Vehicle type and age
Annual mileage
ZIP code risk factors
Credit-based insurance score
Understanding these factors helps you make informed decisions when comparing quotes.
Why Choose Wexford Insurance
At Wexford Insurance, we make compliance easy and affordable. Our team works with multiple carriers to find competitive rates and coverage tailored to your needs. We’ll explain Indiana’s requirements clearly and help you choose the right policy.
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