Indy 500 drivers are rewarded for driving fast—really fast. We reward you for just the opposite. With Root, if you drive safely and sensibly, you’ll pay up to 52% less for car insurance. Start your engines! (And then drive the speed limit.)
We base rates primarily on how you actually drive, not just your demographics like age, credit score, marital status, and ZIP code.
Here’s how it works:
Root is disrupting the broken insurance system by bringing fairness and ease to customers across the Hoosier State.
Because Indiana is now an electronic proof of insurance state, you’ll always have legal proof on hand with the Root app. Root’s competitive quotes and simple app prove that car insurance can be affordable and easy for the best drivers of Indiana—from Fort Wayne to Indianapolis, South Bend to Evansville, and all points between.
To legally operate a vehicle you must carry a certain amount of liability insurance. If you’re found driving without it, your driver's license can be immediately suspended.
Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your passengers (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.
All liability insurance policies in Indiana must also include uninsured/underinsured motorist liability coverage (UM/UIM). This helps cover any costs incurred by an accident with another driver who has no liability coverage, or insufficient coverage to cover your costs.
Indiana drivers must carry proof of insurance while driving and must present it during traffic stops and when registering a car. Acceptable forms include:
A Certificate of Compliance is required if any of the following situations occur:
This Certificate of Compliance serves as proof you have met your car insurance requirements. When any of the situations listed above occur, the Indiana BMV will send a request for proof of car insurance to your address. You will then need to contact your insurer to submit the certificate to prove you were insured (or the vehicle was insured) at the time of the incident. The certificate needs to be electronically submitted within 90 days of the date you receive the request from the BMV. If the form is not submitted on time, you could have your Indiana driver’s license suspended.
In Indiana, operating a vehicle without the required car insurance coverage can cost you. If you’re found driving without the required minimums, you'll lose your driving privileges from anywhere between 90 days and one year.
When your license has been suspended after a conviction for operating a vehicle without the proper insurance, you will have to file a form SR-22, which provides proof of future financial responsibility once you reinstate your license. Your car insurance company will file this form for you (Root does this for free). You will be required to maintain your SR-22 for 3 years from the effective end date of each suspension.
Learn all about Root’s coverage options here:Our Coverages
The average Hoosier pays $1,0212 per year for their auto policy, but many people are paying much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers are saving up to $100/month on average—all while enjoying simple, fair car insurance.