By the Yellow Ribbon Insurance team · Bill Cline, Licensed Insurance Agent
The information you need for an Indiana car insurance quote, in one checklist: what to gather for every driver and every car, how to pull your own BMV driving record, which reports an insurer may check, and the coverage choices to make before you ask for a price.
Quick answer
The information you need for a car insurance quote in Indiana covers three things: the people, the cars and how the cars are used. Have each household driver's license number, date of birth and driving history, each vehicle's VIN and where it's kept overnight, your yearly mileage, and your current declarations page.
- Your Indiana driving record is free to view on myBMV, and a certified Official Driver Record costs $4, according to the Indiana BMV (checked October 2026).
- Indiana's legal minimum is 25/50/25 liability, and uninsured and underinsured motorist coverage is included unless you reject it in writing.
- Insurers may also check your claims history and, with disclosure, a credit-based insurance score.
- Indiana law lets insurers exclude rideshare and delivery driving from personal policies, so mention app work up front.
Do this: find your declarations page, write down every VIN and every driver's license number, check your BMV record, and decide on your liability limits before you ask for the quote.
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You start a car insurance quote and the questions pile up. What's the VIN? When did your son get his license? Was that fender-bender three years ago or four? Is the car parked at home or at your partner's place? A quote is only as accurate as the answers behind it, and missing details mean call-backs or a price that changes later. This checklist covers what to gather for an Indiana auto quote, where to find each item, and why it's asked.
For the coverage itself, see our Indiana car insurance guide. Here we stay on the paperwork.
Indiana car insurance quote: key facts
| Your driving record | Viewable Driver Record free on myBMV; certified Official Driver Record $4Indiana BMV · page modified March 2026 |
|---|---|
| BMV points | 0 to 10 points per violation, active for two years from the conviction dateIndiana BMV |
| Minimum liability | 25/50/25: $25,000 per person and $50,000 per accident for injuries, $25,000 for property damageIndiana BMV · IC 9-25-4-5 |
| Uninsured/underinsured motorist | Included on every newly written policy unless you reject it in writingIndiana Department of Insurance |
| Claims history | The CLUE database holds up to seven years of auto claims; one free report every 12 months on requestCFPB |
| Credit information | An insurer that uses it must disclose that on or at the applicationIC 27-2-21-18 |
| Rideshare and delivery | Personal policies may exclude app drivingIC 8-2.1-19.1-10 · IC 8-2.1-19.3-5 |
What information do you need for a car insurance quote in Indiana?
The short answer: You need details on every driver in your household, every vehicle, how and where each vehicle is driven, your current coverage, and the limits and deductibles you want quoted.
The NAIC's auto insurance quote worksheet (2023) sorts the questions into three groups: the people the policy covers, the car, and how the car is used. The checklist below follows that order and adds the Indiana pieces.
| Done | What to have ready | Where to find it |
|---|---|---|
| For each driver in the household | ||
| Full name, date of birth and home address | Driver's license | |
| License number, issuing state and years licensed | Driver's license; first-license date | |
| Tickets, accidents and claims in the last three to five years | Your myBMV driver record; claim letters | |
| Everyone else of driving age at the address, and who has their own policy | Ask them | |
| For each vehicle | ||
| 17-character VIN | Lower-left windshield, registration or insurance card | |
| Year, make, model and odometer reading | Registration; the dashboard | |
| Owned, financed or leased, plus the lender or leasing company | Loan or lease paperwork | |
| Address where the car is kept overnight | Where it actually parks | |
| Yearly mileage, miles to work or school, and use (pleasure, commute, business, rideshare or delivery) | Odometer readings a year apart, such as oil-change receipts | |
| Your current coverage | ||
| Declarations page: drivers, vehicles, limits, deductibles, lienholder | Your current insurer | |
| Current insurer, policy number and renewal date; any gap in coverage | Declarations page | |
| Any signed uninsured or underinsured motorist rejection | Ask your current insurer | |
| Coverage choices to make first | ||
| Liability limits (the minimum is 25/50/25) | What you own and earn | |
| Uninsured and underinsured motorist limits | Can match your liability limits | |
| Collision and comprehensive deductibles | What you could pay tomorrow | |
| Rental and towing; GAP coverage if financed | Your budget and your lender | |
Print or screenshot it, fill it in for each driver and car, and bring it to our New Albany office or keep it beside you when you call (812) 577-8749.
Bill Cline
Licensed insurance agent · Veteran · Licensed since 2018
Bill owns Yellow Ribbon Insurance in New Albany. More about Bill.
What do you need for each driver in your household?
The short answer: For each driver, have the full name, date of birth, license number and state, years of driving experience, and any tickets, accidents or claims from the last three to five years.
The NAIC's quote worksheet asks for each driver's address, Social Security number, age or years of driving experience, sex, marital status and license number. It also asks how many accidents each driver has had in the last three years, how many moving-violation convictions, and the main driver's previous insurer and policy number.
Those answers feed the rating factors the Indiana Department of Insurance lists: age and sex, marital status, driver record, car use, place of residence, policy limits, deductibles, type of car, driver training, claims history and credit scores.
Why the whole household matters
The NAIC's consumer guide to auto insurance says insurers can base premiums on all insured drivers in your household, including people not related by blood, such as roommates. So list everyone of driving age who lives with you, and say which of them has a policy of their own. Just moved here? The BMV gives new residents 60 days to get an Indiana license, so quote with the license you have now.
How do you check your Indiana driving record before a quote?
The short answer: Create a myBMV account and view your Viewable Driver Record for free, or buy a certified Official Driver Record for $4, according to the Indiana BMV (checked October 2026).
Price of a certified Official Driver Record from the Indiana BMV. The Viewable Driver Record on myBMV is free. Sources: Indiana BMV, Driver Record (page modified March 18, 2026) and BMV fee chart (free viewable record; revised January 1, 2026). Checked October 2026.
According to the BMV, a driver record shows current and resolved suspensions, citations, violations and other entries. The free Viewable Driver Record is online only and needs a myBMV account. The Official Driver Record is a certified copy with a BMV certification letter, sold online or by mail with State Form 53789. Each adult driver can check their own record, and it's easier to clear up a surprise before a quote than after.
How Indiana's point system works
- Point values: the BMV says offenses carry from zero to ten points, depending on the violation.
- How long they count: points stay active on your driving record for two years from the conviction date.
- Driver Safety Program: after two or more traffic convictions in 12 months, the BMV may require a Driver Safety Program, and drivers under 21 must complete one after two or more traffic convictions. Once the BMV gives notice, the course must be finished within 90 days or driving privileges are suspended.
- Point credit: any Indiana driver may take an approved course for a four-point credit, once in a three-year period, according to the Indiana Driver's Manual.
BMV points and insurance pricing aren't the same system. Points stay active for two years, but the NAIC's consumer guide says insurers look at the driving records of you and others on your policy over the last three to five years. So report a ticket even if its points have expired.
A suspension on the record? Tell us up front rather than hoping it won't come up. If a past accident, lapse or violation makes a standard auto policy hard to get, we may have non-standard auto options. Eligibility depends on the driver, so call us to see what fits.
What reports can an insurer check when you ask for a quote?
The short answer: Besides your own answers, an insurer may use consumer reports such as your driving record, your auto claims history and, if it uses credit, a credit-based insurance score, and federal law gives you rights over those reports.
The FTC notes that consumer reports used in insurance can include credit history and driving record. The CFPB says specialty reporting agencies collect your auto and home claims, and insurers use them to decide what to offer and at what price.
Your claims history
The NAIC's consumer guide says most insurance companies report auto claims to one or more private claim databases, such as the Comprehensive Loss Underwriting Exchange, known as CLUE, and that you have a right to a free copy of your CLUE report. The CFPB's listing for CLUE says it holds up to seven years of auto claims and gives one free report every 12 months on request.
Your credit-based insurance score in Indiana
Credit scores are on the Indiana Department of Insurance's list of rating factors, and Indiana's credit rules sit in IC 27-2-21. Three parts matter when you ask for a quote:
- You'll be told. Under IC 27-2-21-18, an insurer that uses credit information, or its agent, must disclose on the application or when it's taken that the insurer may obtain credit information.
- An insurance inquiry isn't a negative in your insurance score. Under IC 27-2-21-16, a credit inquiry relating to insurance coverage can't be used as a negative factor in an insurance score.
- Some things are off limits. The same section bars scores built on income, gender, address, ZIP code, ethnic group, religion, marital status or nationality, and bars denying or canceling a personal policy solely because of credit.
For how credit and other factors move the price, see our guide to what car insurance costs in Indiana.
If a report changes the offer
If an insurer denies coverage, raises the rate or ends a policy based on a consumer report, the FTC says it must send a notice naming the reporting agency, and you can request a free copy from that agency within 60 days and dispute errors.
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Checklist ready? Start your Indiana auto quote
Start with your ZIP. A licensed agent from our New Albany office reviews every request personally.
Please enter a valid 5-digit ZIP code.
4.8★ from 214 Google reviewsVeteran-ownedLicensed in Indiana & Kentucky
Prefer to talk? (812) 577-8749 · Mon–Thu 9–6, Fri 9–5 ET
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A licensed agent from our New Albany office reviews every request personally.
Please add your first and last name, a 10-digit phone number and a valid email.
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What do you need for each vehicle?
The short answer: For each vehicle, have the 17-character VIN, the year, make and model, a recent odometer reading, whether it's owned, financed or leased, and the address where it's parked overnight.
The NAIC says an insurer needs quite a bit of information to price a policy, usually including your VIN. The National Highway Traffic Safety Administration says to look on the lower left of the windshield for the 17-character VIN, and that it's also on your registration card and may be on your insurance card. The NAIC worksheet adds the title. Copy it from one of those, not from memory.
Owned, financed or leased
The NAIC worksheet asks for the name of the lender or owner, and the Insurance Information Institute says lenders and leasing companies will likely require collision and comprehensive coverage. Check your contract for what it requires. If you've paid the loan off, the BMV says the lienholder must release the lien, electronically if the title is electronic. Then tell your agent so the lender comes off the policy.
Where the car is kept
The NAIC worksheet asks two questions: "Where do you live? Is that where the car is?" That's why our forms ask for the ZIP where the car is kept. In and around New Albany, our New Albany car insurance guide covers local garaging and commuting questions.
Mileage and how the car is used
The worksheet asks whether a car is used for pleasure only, commuting or business, your average yearly mileage, and how many miles you drive to work or school. Two odometer readings about a year apart, from oil-change or inspection receipts, give you a real number instead of a guess.
Does driving for a rideshare or delivery app change your quote?
The short answer: It can, because Indiana law lets insurers exclude coverage under a personal auto policy while you're logged on to a rideshare or delivery app or on a trip, so mention it before you're quoted.
Under IC 8-2.1-19.1-10, an insurer writing auto insurance in Indiana may exclude coverage under a personal policy for a loss that happens while the driver is logged on to a transportation network company's digital network or engaged in a prearranged ride. The exclusion can reach liability, uninsured and underinsured motorist, medical payments, comprehensive and collision coverage.
IC 8-2.1-19.3-5 gives insurers the same option for delivery apps, during the "delivery available period or delivery service period." The Insurance Information Institute says a standard personal auto policy generally won't cover ride-sharing.
The rideshare chapter also says it doesn't stop an insurer from providing that coverage by contract or endorsement. So if you drive for an app, even a few hours a week, say so, ask whether a rideshare or delivery endorsement is available on your policy, and read what the app company's own coverage includes.
Why does your current declarations page matter for a quote?
The short answer: Your declarations page lists your drivers, vehicles, VINs, lienholder, coverages, limits and deductibles in one place, so a new quote can start from the coverage you actually have.
The NAIC's consumer article "Declarations" of Saving describes the page as showing the policy number, effective dates, the cars covered, the lienholder if there's a loan, the coverages and limits, your premium, risk classifications and any discounts or surcharges. If you can't find yours, ask your current insurer for a copy.
Continuous coverage
Your coverage history is part of the price. The NAIC's consumer guide says most insurance companies will charge you more if you don't have auto insurance when you apply, and some charge more if you currently carry only the state minimum amounts. That's why the worksheet asks for your previous insurer and policy number. If you're changing policies, keep the current one in force until the new one starts.
Look for an old uninsured motorist rejection
Under IC 27-7-5-2, once you reject uninsured or underinsured motorist coverage in writing, the same insurer or an affiliate doesn't have to offer it again on a renewal or replacement policy unless you later ask in writing. A new quote is a good moment to decide on purpose.
Which coverage decisions should you make before the quote?
The short answer: Decide your liability limits, your uninsured and underinsured motorist limits, your collision and comprehensive deductibles, and whether you want rental and towing coverage, because each choice changes both the price and what a claim pays.
Here's what Indiana law sets and what's up to you. Definitions follow the NAIC's consumer guide.
| Decision | Indiana rule | What to weigh |
|---|---|---|
| Liability limits | Required At least 25/50/25 | The NAIC says minimums are too low to fully cover you in a serious accident |
| Uninsured / underinsured motorist | Included unless rejected in writing | Available at limits at least equal to your bodily injury liability limits |
| Collision deductible | Optional Lenders likely require it | Pays for damage from hitting a car, an object or a pothole, or flipping over |
| Comprehensive deductible | Optional Lenders likely require it | Theft, hail, windstorm, flood, fire and hitting animals |
| Medical payments | Optional | Treating injuries to you and your passengers |
| Rental and towing | Optional | Whether you could get by without the car while it's repaired |
Liability above the minimum. Indiana's floor comes from IC 9-25-4-5: $25,000 for one person's injuries, $50,000 for injuries to two or more people in one accident, and $25,000 for property damage. The NAIC says most insurers let you buy higher limits, often without much increase in your premium. Pick limits that fit what you own and earn. Our guide to what car insurance Indiana requires walks through each required coverage in more detail.
Uninsured and underinsured motorist. The Department of Insurance lists minimums of $25,000/$50,000 for uninsured motorist bodily injury and $50,000 for underinsured motorist bodily injury. Your insurer must make them available at limits at least equal to your liability limits, so ask for a quote with both at the same level.
Deductibles. The NAIC's example: a policy with a $1,000 deductible has a lower premium than the same policy with a $500 deductible. Choose a number you could pay the day after a crash or a hailstorm.
Rental and towing. The NAIC notes that insurers offer coverage for towing and a rental car when your car is disabled. Decide before the quote so they're priced in.
For context, the NAIC put Indiana's average auto insurance expenditure at $926 per insured vehicle in 2023 (NAIC, Table 4), a statewide average and not a quote.
Quoting the house too? A multi-policy discount may be available when you bundle auto with home or renters insurance; eligibility varies. Our home insurance quote checklist covers what to gather for the house, so you can bring both lists at once.
What if a teen or permit driver lives in your household?
The short answer: Call your agent before your teen gets a learner's permit, as the Insurance Information Institute advises, and ask how and when your policy lists a new household driver.
The BMV's permit rules and your policy's driver rules are separate. According to the Indiana BMV, you can get a learner's permit at 15 if you're enrolled in an approved driver education course, or at 16 without one; either way you must pass a vision screening and a knowledge exam. A permit driver practices with a licensed adult who meets the BMV's age and relationship rules, or a licensed instructor, in the front passenger seat.
Drivers under 21 then get a probationary license, which for the first 180 days bars passengers unless a qualifying adult rides in front, and bars driving between 10 p.m. and 5 a.m., with exceptions the BMV lists. After 180 days and until 18, later-night limits still apply, and some restrictions last until the driver turns 21.
On the insurance side, the Insurance Information Institute recommends calling your insurance professional before your teen gets a learner's permit, and says it's generally less expensive for parents to add a teenager to their policy than for the teen to buy one alone. For the quote, have the teen's permit or license date, whether they took driver education, and which car they'll usually drive. Ask which discounts may be available; eligibility varies.
Bottom line
The short answer: An accurate Indiana car insurance quote starts with three things in hand: every driver's license and record, every car's VIN and where it's kept, and your current declarations page.
Check your free BMV record, request your CLUE report if an old claim is fuzzy, mention any app driving, and decide your limits and deductibles before anyone runs a number. Then the price you see is for the coverage you actually want. Bring the checklist to our New Albany office, call (812) 577-8749, or start below. For coverage options, see our auto insurance page.
Free quote · about 30 seconds
Request a free Indiana auto coverage review
Start with your ZIP. A licensed agent from our New Albany office reviews every request personally.
Please enter a valid 5-digit ZIP code.
4.8★ from 214 Google reviewsVeteran-ownedLicensed in Indiana & Kentucky
Prefer to talk? (812) 577-8749 · Mon–Thu 9–6, Fri 9–5 ET
Almost done
Where should we reach you?
A licensed agent from our New Albany office reviews every request personally.
Please add your first and last name, a 10-digit phone number and a valid email.
Request received
A licensed agent from our New Albany office will reach out to go over your coverage.
Frequently asked questions
Do I need my Social Security number for an Indiana car insurance quote?
Often, yes. The NAIC's consumer guide says an insurer usually needs your Social Security number and your vehicle's VIN to price a policy. In Indiana, an insurer that uses credit information must tell you, on the application or when it's taken, that it may obtain credit information, under IC 27-2-21-18. Indiana law also says a credit inquiry relating to insurance coverage can't be used as a negative factor in an insurance score (IC 27-2-21-16). If you'd rather not share it, ask whether it's required for the quote you want.
How far back does an insurer look at my driving and claims history?
It depends on the record and the insurer. The NAIC's consumer guide says insurers look at the driving records of you and others on your policy over the last three to five years, and the NAIC's quote worksheet asks about accidents in the last three years. Indiana BMV points stay active for two years from the conviction date, but that's the BMV's count, not an insurer's look-back. Claims databases can reach further: the CFPB says the CLUE database holds up to seven years of auto claims.
Should I list a household member who doesn't drive my car?
Tell your agent about everyone of driving age who lives with you, then decide together who belongs on the policy. The NAIC says insurers can base premiums on all insured drivers in your household, including people not related by blood, such as roommates. The NAIC's quote worksheet also asks for insurance information about household drivers who won't be covered, which is how you show that a roommate or an adult child has a policy of their own. Have the name of their insurance company handy when you call.
I just moved to Indiana. Can I get a quote with my out-of-state license?
Yes, you can start with the valid out-of-state license you have. The Indiana BMV gives new residents 60 days to get an Indiana driver's license and to title and register their vehicles, and you must provide financial responsibility information to buy a plate and registration. So you'll need insurance in place before you can buy Indiana plates. Use your new Indiana address as the place the car is kept, and tell your agent once your Indiana license is issued so the policy shows the right license number.
Do I need my lender's information if my car is financed or leased?
Yes. The NAIC's quote worksheet asks for the name of the lender or owner of the car. The NAIC says most lenders require insurance to protect their interest in the car, and the Insurance Information Institute says lenders and leasing companies will likely require collision and comprehensive coverage. If your insurance lapses, the NAIC says the lender will likely insure the car itself, often at a much higher premium with much less coverage. Take the lender's name and address from your loan or lease paperwork, and check the contract for any coverage it requires.