Carmel Car Insurance

(Find the right car insurance policy for you.)

Written by Steve Dahl
Written by Steve Dahl

Steve is a financial services expert who has dedicated himself to the insurance industry for the last 5+ years. Steve is a key contributor to


A northern suburb of Indianapolis, Carmel, IN is home to a thriving arts district, great outdoor recreational opportunities, and a family-focused community. No wonder 85,927 residents call the city home. But because of its proximity to the state capital, Carmel's main roadways, Interstate 465 and Highway 31, can get congested in no time. Summer festivals, rush hour and gameday traffic can be horrendous — causing accidents on a regular basis. To protect yourself from the unexpected, you should partner up with an Independent Insurance Agent. Our local agents will look at your specific risks and will work hard to find a Carmel auto insurance policy that meets your needs and budget.

  • National average cost per year: $1,311
  • Indiana average cost per year: $1,033

If it's not already, your Indiana auto insurance should be personalized to your individual driving situation. Factors such as your car's age, model and average mileage are taken into account to create a customized policy. Our agents can explain how not all policies are created equal and why you need to look at all the details, limits and exclusions before purchasing a policy.

Indiana Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): not required
  • Minimum liability limits: 25/50/10

Did you know you're required to have a minimum coverage of up to $25,000 for an individual injured, $50,000 for all persons injured and $10,000 for property damage? But an accident can easily surpass these limits when you take medical bills and car repairs into account. An agent will gladly talk to you about why and how higher liability limits can provide better protection and ultimately keep you financially stable if something unfortunate occurs.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Number of Uninsured Motorists in Indiana

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Indiana drivers: 14.20%

Many drivers are careless when it comes to being insured. There is an overwhelming number of uninsured drivers in The Hoosier State, and getting into an accident with one of them can be financially devastating for you. Collecting compensation can be extremely difficult, if not impossible, but with uninsured motorist coverage, know you're fully protected no matter what happens. Feel free to ask your agent questions to learn more.

Number of Auto Thefts in Indiana

  • National average number of thefts per 1,000 vehicles: 2.94
  • Indiana average number of thefts per 1,000 vehicles: 2.36

Indiana doesn't have extremely high auto theft rates, but you should never count yourself out of being at risk. When you're in high-density areas like downtown Indianapolis, you should park under street lamps and hide valuables in the trunk. And if something does something, know your damaged physical and stolen personal property will be compensated for thanks to a great insurance policy and an agent.

How to Find the Right Carmel Car Insurance

Our Independent Insurance Agents have the experience necessary to accurately assess your unique risks and find you coverage that gives you 360 degrees of protection. Whether you just purchased your first car or are simply looking at alternative car insurance options, contact your local agent today. We will find a Carmel car insurance plan that works for you at a price you can afford.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn