- The average cost of car insurance in Indiana is $1,515 a year or $126 per month, based on our data analysis.
- Minimum liability coverage in Indiana costs around $417 annually for limits of 25/50/25, while liability-only coverage costs $498 per year for limits of 50/100/50.
- Geico provides the most affordable annual rates for full coverage car insurance in Indiana, costing $986 per year.
- In Indiana, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 44%, a DUI raising rates by 61%, and an at-fault accident by up to 56%.
The cost of car insurance in Indiana varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Geico offers the cheapest rates at $986 a year for full coverage.
This guide makes buying car insurance in Indiana easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Indiana works and how much coverage you need.
How much is car insurance in Indiana?
In Indiana, drivers pay an average of $126 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Indiana based on driver profile:
- Teen drivers in Indiana pay the most – about $385 a month or $4,614 a year.
- Young drivers in their 20s pay an average of $204 monthly or $2,452 annually, for car insurance.
- Senior drivers pay around $124 monthly or $1,482 a year.
- A speeding ticket can increase your rates to $186 monthly or $2,226 annually.
- An at-fault accident increases car insurance rates to $209 a month or $2,507 a year.
- Poor credit drivers usually see their car insurance costs increase to $279 monthly or $3,347 annually.
Average cost of auto insurance in Indiana by coverage level
In Indiana, the cost of car insurance can vary depending on how much coverage you purchase. Indiana drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Indiana. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Indiana for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $35 | $417 |
| Liability Only – 50/100/50 BI/PD | $42 | $498 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $126 | $1,515 |
State minimum car insurance in Indiana
In Indiana, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
The state minimum coverage in Indiana costs $417 a year but doesn’t provide much protection for drivers. Indiana drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Indiana must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Indiana
According to CarInsurance.com data, liability-only car insurance costs $498 in Indiana for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Indiana
The average annual premium in Indiana is $1,515 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Indiana
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Indiana have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in Indiana
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Indiana by car model
Car insurers in Indiana use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in Indiana.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Indiana
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Indiana, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,464 annually.
Indiana drivers aged 16-19 pay $3,150 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $4,614 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,345 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,464 per year in Indiana.
- For senior drivers: Drivers age 65 and older can expect to pay $1,482 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Indiana
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Indiana, a DUI conviction lead to increased rates and you may see a rate hike of up to 61% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Indiana, be prepared for your car insurance rates to rise by up to 44% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 44% increase
- DUI conviction: 61% increase
- At-fault accident (bodily injury and property damage): 56% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Indiana for high-risk drivers
In Indiana, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Indiana
In Indiana, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Indiana by getting quotes from different insurance companies.
Below are the details of Indiana car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $249 | $313 | $986 |
| Auto-Owners | $248 | $306 | $1,188 |
| Travelers | $361 | $431 | $1,264 |
| Nationwide | $549 | $576 | $1,309 |
| Progressive | $398 | $455 | $1,480 |
| Indiana Farmers | $353 | $430 | $1,604 |
| State Farm | $365 | $442 | $1,616 |
| Farmers | $704 | $938 | $1,956 |
| Indiana Farm Bureau Grp | $485 | $573 | $2,153 |
| Allstate | $676 | $784 | $2,324 |
| USAA | $199 | $231 | $783 |
Car insurance rates by city in Indiana
Gary is the priciest city in Indiana for car insurance, costing an average of $2,110 annually. On the other hand, Blue Creek is the most affordable city, where drivers pay an average of $1,349 per year for car insurance.
Car insurance premiums differ across cities in Indiana and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Indiana’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Indiana per month?
Car insurance in Indiana costs an average of $126 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $35 |
| Liability Only – 50/100/50 BI/PD | $42 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $126 |
Final thoughts on choosing car insurance in Indiana
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Indiana. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
