Auto Insurance Requirements in Franklin Indiana Before a Quote
- Nate Jones, CPCU, ARM, CLCS, AU
- 4 days ago
- 2 min read
If you’re shopping for auto insurance in Franklin, Indiana, knowing the state requirements is essential before requesting an auto insurance quote. At Wexford Insurance, we help local drivers understand coverage options and find the best policy for their needs.
What Are Indiana’s Minimum Auto Insurance Requirements?
Indiana law requires drivers to carry minimum liability coverage:
$25,000 for bodily injury per person
$50,000 for bodily injury per accident
$25,000 for property damage
These limits protect others if you cause an accident, but they may not fully protect you. For example, if you’re involved in a major collision, repair costs and medical bills can easily exceed these limits. In that case, you’re responsible for the difference unless you carry higher limits.
Learn about Insurance requirements
Should You Consider More Than the Minimum?
Many Franklin drivers choose additional coverage for better protection:
Collision – Covers damage to your car in an accident, regardless of fault.
Comprehensive – Protects against theft, fire, vandalism, and weather damage such as hail or falling branches.
Uninsured/Under insured Motorist – Helps pay for injuries and damages if the other driver has little or no insurance.
Medical Payments (Med Pay) – Covers medical expenses for you and your passengers after an accident, often regardless of fault.
These options provide peace of mind and help avoid out-of-pocket expenses after an accident. Choosing higher liability limits (e.g., 100/300/100) is common for drivers who want stronger financial protection.
Why Requirements Matter Before Getting a Quote
Understanding the minimums and optional coverage helps you compare quotes accurately. A lower premium might mean less protection, higher deductibles, or exclusions that matter to you. Before you shop, decide on:
Your preferred liability limits
Deductibles for collision and comprehensive
Add-ons like roadside assistance or rental reimbursement
With a clear coverage plan, you’ll receive apples-to-apples quotes and avoid surprises at claim time.
Local Tips for Franklin Drivers
Review weather risks: hail and storm damage make comprehensive coverage valuable.
If you commute on I-65 or US-31, consider higher liability limits due to heavier traffic.
Teen drivers? Ask about good-student and driver training discounts to manage costs.
Ready for Your Personalised Auto Insurance Quote?
At Wexford Insurance, we compare multiple carriers to find coverage that fits your needs and budget. We’ll walk you through requirements, explain optional protections, and help you pick limits that make sense for Franklin living.
