Car insurance costs in Indiana vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Geico offers the cheapest annual rates for full coverage car insurance in Indiana at $986 annually.
This comprehensive guide to buying car insurance for Indiana drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how car insurance works in Indiana and how much you need.
- Geico provides the most affordable annual rates for full coverage car insurance in Indiana, costing $986 per year.
- In Indiana, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- 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.
- 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?
CarInsurance.com data found that drivers in Indiana pay $126 monthly for full coverage car insurance.
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.
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 insurance is the least expensive coverage and meets the minimum legal requirements in Indiana, but it doesn’t offer adequate 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 costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Indiana for different coverage levels.
| 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
Indiana’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in 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 purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Indiana
Liability-only car insurance costs $498 in Indiana for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
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.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, people living in higher-risk neighborhoods of Indiana have to pay more than those living where the risks are lower.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Indiana car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
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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
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Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Indiana
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or 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.
Drivers aged 16-19 pay $3,150 more for car insurance than Indiana drivers aged 30-60 per year.
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 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,464 annually in Indiana.
- For senior drivers: Drivers aged 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
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Indiana, a DUI conviction often results in higher premiums and you may see an increase of up to 61% as insurers perceive you as a high-risk driver.
Similarly, if you get a speeding ticket in Indiana, you’ll likely see an increase in your car insurance premium by up to 44% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company 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.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to 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.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,191 |
| Auto-Owners | $1,518 |
| Travelers | $1,863 |
| State Farm | $1,955 |
| Nationwide | $2,150 |
| Geico | $2,280 |
| Progressive | $2,911 |
| Farmers | $3,655 |
| Allstate | $3,725 |
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.
Start your search for the best car insurance policy in Indiana by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Indiana and their average 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 |
Car insurance rates by city in Indiana
Gary is the most expensive city in Indiana, with an average car insurance rate of $2,110 a year. Blue Creek is the cheapest city for Indiana drivers at an average rate of $1,349 annually.
Car insurance rates vary by city in Indiana for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
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.
| Company Name | Insurance Rates |
|---|---|
| USAA | $804 |
| Geico | $886 |
| Auto-Owners | $1,144 |
| Travelers | $1,197 |
| Nationwide | $1,309 |
| Progressive | $1,452 |
| Indiana Farmers Insurance | $1,568 |
| State Farm | $1,581 |
| Farmers | $1,909 |
| Allstate | $2,201 |
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.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| 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
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
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 March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 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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