The type of vehicle you own in Indiana can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Indiana for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Indiana
In Indiana, Honda CR-V and Chevrolet TrailBlazer have the cheapest car insurance rates, followed by Hyundai Venue and Ford Escape, based on our research.
The table below highlights the most affordable vehicles to insure in Indiana, including their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda CR-V | $860 |
| Chevrolet TrailBlazer | $874 |
| Hyundai Venue | $874 |
| Ford Escape | $879 |
| Honda HR-V | $880 |
| Mazda CX-5 | $884 |
| Subaru Forester | $889 |
| Jeep Wrangler | $894 |
| Volkswagen Tiguan | $895 |
| Kia Seltos | $896 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Indiana
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Indiana
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $976. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Honda Accord ranks second on our list with an insurance cost of $1,044, followed by Nissan Versa, which costs $1,058 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Indiana and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $976 |
| Honda Accord | $1,044 |
| Nissan Versa | $1,058 |
| Volkswagen Jetta | $1,067 |
| Kia Forte | $1,072 |
| Honda Civic Sedan | $1,073 |
| Toyota Camry | $1,089 |
| Toyota Corolla | $1,092 |
| Volkswagen Jetta GLI | $1,096 |
| Nissan Sentra | $1,099 |
| Chevrolet Malibu | $1,107 |
| Kia K5 | $1,112 |
| Mazda 3 Sedan | $1,125 |
| Hyundai Elantra | $1,141 |
| Nissan Altima | $1,156 |
| Hyundai Sonata | $1,163 |
| Mitsubishi Mirage G4 | $1,179 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Indiana
In Indiana, the Honda CR-V and Chevrolet TrailBlazer are some of the most affordable SUVs to insure with an average six-month full coverage cost of $860 and $874 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda CR-V | $860 |
| Chevrolet TrailBlazer | $874 |
| Ford Escape | $879 |
| Honda HR-V | $880 |
| Mazda CX-5 | $884 |
| Subaru Forester | $889 |
| Jeep Wrangler | $894 |
| Volkswagen Tiguan | $895 |
| Kia Seltos | $896 |
| Toyota Corolla Cross | $902 |
| Kia Sportage | $908 |
| Subaru Crosstrek | $911 |
| Honda Pilot | $917 |
| Ford Bronco Sport | $919 |
| Volkswagen Taos | $923 |
| Mazda CX-30 | $925 |
| Honda Passport | $928 |
| Chevrolet Trax | $928 |
| Hyundai Kona | $932 |
| Ford Bronco | $936 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Indiana
Sports cars are typically expensive to insure due to their high-performance engines (which make speeding easier and increase the risk of tickets and accidents), expensive replacement parts and higher theft rates.
But some makes and models are still affordable to insure. For instance, the Mazda MX-5 Miata is one of the most inexpensive models on our list, with an average cost of $944.
See the table below for average full coverage car insurance rates of different sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $944 |
| Honda Civic Si | $1,126 |
| Chevrolet Camaro | $1,185 |
| Ford Mustang | $1,290 |
| Toyota GR Corolla | $1,291 |
| Honda Civic Type R | $1,343 |
| BMW Z4 | $1,368 |
| Toyota GR Supra | $1,381 |
| Toyota GR86 | $1,390 |
| Subaru WRX | $1,397 |
| Subaru BRZ | $1,437 |
| Porsche 718 Boxster | $1,482 |
| Chevrolet Camaro ZL1 | $1,544 |
| Chevrolet Corvette | $1,593 |
| Porsche 718 Cayman | $1,615 |
| Nissan Z | $1,921 |
| Chevrolet Corvette Z06 | $1,936 |
| Jaguar F-Type | $2,000 |
| Porsche 911 | $2,146 |
| Porsche 911 Turbo | $2,380 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Indiana
Luxury cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $940 for a six-month full coverage policy. The Volvo XC40 and Acura MDX also have affordable insurance rates at $1,036 and $1,050, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $940 |
| Volvo XC40 | $1,036 |
| Acura MDX | $1,050 |
| Lincoln Corsair | $1,092 |
| Cadillac XT4 | $1,096 |
| Lexus RX | $1,106 |
| Acura Integra | $1,109 |
| Cadillac XT5 | $1,111 |
| BMW X1 | $1,133 |
| BMW X3 | $1,138 |
| Audi Q3 | $1,149 |
| Volvo XC60 | $1,151 |
| Alfa-Romeo Tonale | $1,154 |
| Mercedes-Benz GLA-Class | $1,155 |
| Lexus NX | $1,171 |
| Mercedes-Benz GLC-Class | $1,181 |
| Mercedes-Benz GLB-Class | $1,186 |
| BMW X2 | $1,192 |
| Cadillac XT6 | $1,194 |
| Land Rover Discovery Sport | $1,199 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Indiana
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $2,822 annually, or $235 monthly.
The table below lists the most affordable EVs to insure in Indiana and their six-month average full coverage rates.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $897 |
| Kia Niro EV | $954 |
| Hyundai Kona Electric | $960 |
| Volkswagen ID.4 | $1,021 |
| Nissan Leaf | $1,070 |
| Chevrolet Silverado EV | $1,106 |
| Audi Q4 e-tron | $1,142 |
| Subaru Solterra | $1,177 |
| Hyundai Ioniq 5 | $1,231 |
| Genesis Electrified GV70 | $1,234 |
| Toyota bZ4X | $1,238 |
| Ford Mustang Mach-E | $1,282 |
| Jaguar I-Pace | $1,284 |
| Ford F-150 Lightning | $1,285 |
| Kia EV6 | $1,291 |
| Chevrolet Blazer EV | $1,294 |
| Volvo XC40 Recharge | $1,303 |
| Cadillac LYRIQ | $1,324 |
| Mercedes-Benz EQB | $1,335 |
| Toyota Mirai | $1,340 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Indiana
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $2,936 to insure a Honda CR-V, while insuring a Subaru Outback costs $2,963 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Indiana?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $897 for a six-month full coverage policy to insure the Mini Cooper Electric, and you can expect to pay an average of $954 for the Kia Niro EV for the same coverage.
Which SUVs are the cheapest to insure in Indiana?
In Indiana, insuring a Honda CR-V SUV costs about $860 for six months, making it one of the most affordable options. The Chevrolet TrailBlazer and Ford Escape also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in Indiana?
The Honda CR-V, Subaru Outback, Subaru Forester and Chevrolet TrailBlazer are some of the cheapest cars to insure for 18-year-olds in Indiana. However, insuring models such as the Maserati Quattroporte, Maserati Ghibli and Nissan GT-R can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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