Complete Protection for Your Vehicle
Whether you're a new driver, own multiple vehicles, or need high-risk coverage, ARX provides personalized auto insurance that fits your life and budget.
Liability Coverage
Protection when you're responsible for injuries or property damage to others.
Comprehensive Coverage
Coverage for theft, vandalism, weather damage, and non-collision incidents.
Collision Coverage
Protection for your vehicle when involved in an accident, regardless of fault.
Uninsured Motorist
Coverage when the at-fault driver has no insurance or insufficient coverage.
Rental Car Coverage
Reimbursement for rental vehicles while yours is being repaired.
Roadside Assistance
24/7 help for towing, jump-starts, flat tires, and lockouts.
Multi-Car Policies
Save money by insuring all your vehicles under one policy.
New Driver Coverage
Specialized policies for teen drivers and first-time license holders.
Personal Insurance That Protects What Matters
Reliable personal coverage designed to help protect your vehicle, your household, and the things that matter most to you and your family.
Insurance That Understands Your Life
As an independent agency, we work for you — not the insurance carriers. We take the time to understand your unique needs and find coverage that truly fits.
Personalized Service
Real people who take time to explain your options and answer your questions.
Multiple Carrier Options
We shop multiple insurers to find the best coverage at competitive rates.
Claims Support
We're here to help when you need to file a claim — not just when you sign up.
Flexible Payment Options
Payment plans that work with your budget and lifestyle.
Ready to Protect What Matters Most?
Whether you need coverage for your daily driver, a teen's first car, or your entire family's vehicles, ARX makes it easy to get the right protection at the right price.
Personal Auto Insurance FAQs
Everything you want to know about personal auto coverage with ARX.
Indiana law requires liability coverage at minimum limits of 25/50/10 — $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage. But minimums rarely cover a serious accident. We help you weigh the real cost difference between state minimums and coverage that actually protects your assets.
Your driving record, the vehicle you drive, how many miles you drive, where you garage the car, and your coverage choices all play a role. Bundling policies and maintaining continuous coverage also help. We’ll show you exactly which factors are driving your price — and which you can change.
Yes, in most cases. A meaningful share of drivers on the road carry no insurance or only the state minimum. Uninsured and underinsured motorist coverage protects you when the at-fault driver can’t pay. It’s one of the cheapest coverages on the policy relative to the protection it provides.
Common savings include multi-car discounts, bundling auto with other policies, good-driver discounts, and paperless or paid-in-full options. Because we work with multiple carriers, we can also match you with the insurer whose discount structure fits your profile best.