Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Geico offers the most affordable car insurance at $986 per year.
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 learn how auto insurance in Indiana works and how much insurance you need.
- 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%.
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, car insurance rates can differ depending on how much coverage you choose. Drivers in Indiana are required by law to have minimum insurance coverage limits of 25/50/25 to drive legally.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage 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.
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State minimum car insurance in Indiana
Indiana laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability.
In Indiana, you can get state minimum car insurance for $417 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Indiana must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Indiana
The average cost of liability-only insurance in Indiana is $498 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
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
In Indiana, you can expect to pay around $1,515 per year for full coverage car insurance for the 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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, residents in higher-risk neighborhoods in Indiana pay more for premiums than those in lower-risk areas.
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 ( Liability - Minimum)
Estimate car insurance in Indiana by car model
Indiana car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper 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.
Find out how much you’ll pay for car insurance for your vehicle 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 drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Indiana drivers aged 30 to 60 have the lowest average auto insurance rates 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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Indiana can increase your premiums by up to 61% because insurers see you as a risky driver.
If you get caught speeding in Indiana, your car insurance rates will increase by 44% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Indiana following 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, comparing quotes can still help you save money.
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.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
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 their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Indiana by getting quotes from multiple insurance providers and comparing them.
Below is a breakdown of car insurance companies in Indiana and their average annual premiums.
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Car insurance rates by city in Indiana
Gary is Indiana’s most expensive city for car insurance at an average cost of $2,110 annually. Blue Creek is the state’s least expensive city, with an average car insurance rate of $1,349 annually.
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.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Indiana.
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?
In Indiana, a full coverage car insurance policy with 100/300/100 limits typically costs about $126 per month.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
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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.
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