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
Our analysis shows that the Honda CR-V and the Chevrolet TrailBlazer have the lowest average insurance costs in Indiana, with Hyundai Venue and Ford Escape close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in Indiana and their average six-month full coverage insurance 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
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Indiana
Our data shows that Subaru Legacy is the most affordable sedan to insure in Indiana. Its average six-month full coverage cost is $976 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Honda Accord takes the second spot at $1,044, while the Nissan Versa comes in third with an average cost of $1,058.
The table below shows the cheapest sedans to insure in Indiana and their average full coverage six-month costs.
| 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
The Honda CR-V and Chevrolet TrailBlazer are the cheapest SUVs to insure in Indiana, with an average cost of $860 and $874 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| 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 often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $944.
The table below highlights the average six-month full coverage cost of various 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 also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $940 for a full coverage six-month policy. It is followed by the Volvo XC40 ($1,036) and Acura MDX ($1,050).
The table below shows the full coverage six-month average premiums for different luxury vehicles 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
Electric vehicles are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.
According to our data analysis, insuring an electric vehicle costs an average of $2,822 a year or $235 a month.
Below is a list of the most affordable EVs to insure in Indiana for a full coverage policy and average six-month premiums.
| 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
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Indiana?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $897 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Kia Niro EV is $954, according to our analysis.
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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