Car Insurance in Indiana
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Here's what you need to know when driving in Indiana
Car insurance in Indiana costs $1,261 per year — $268 cheaper than the national average rate. Your own auto insurance rate can be higher or lower depending on personal factors like your age, location, driving record and more.
In our guide to Indiana car insurance, we analyzed average car insurance rates in the Hoosier State to help you find an affordable policy that meets your needs and provides sufficient protection while on the road. If you're ready to see how much you can save by shopping around, submit your ZIP code above to get personalized car insurance quotes from top companies.
The best car insurance companies in Indiana
Here are the top three car insurance companies in Indiana, according to third-party ratings from J.D. Power.
USAA received a score of 895 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study and also won top marks in The Zebra's Customer Satisfaction Survey.
Erie, a regional insurance company active in 13 states, came in second place with a score of 859 out of 1,000 in J.D. Power's study.
One of the most popular insurance companies, State Farm has national recognition and scored 851 out of 1,000.
The cheapest car insurance companies in Indiana
These companies offer the cheapest rates in the following scenarios.
The cheapest rates are from Auto-Owners at $916 annually or $76 per month.
Auto-Owners is also the cheapest company in Indiana after an at-fault accident.
For teen drivers in Indiana, USAA is the most affordable.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Indiana auto insurance laws
Car insurance is mandatory in almost every state. Indiana requires every motorist to carry a certain minimum level of coverage — and proof of insurance of this coverage — in order to be road-legal.
Opting for the legal minimum coverage level is cheaper than full coverage, but it can also put you at risk as your own vehicle wouldn't be protected. In Indiana, expect to pay $414 every year for the state minimum level of coverage. This rate is less expensive than the nationwide average by 73%.
State minimum coverage
In order to drive legally in the state of Indiana, you must carry at least the minimum liability limits listed below:
- Bodily injury: $25,000 per person
- Bodily injury: $50,000 per accident
- Property damage: $25,000 per accident
Optional coverage in Indiana (varies by carrier):
- Gap coverage
- Medical payments
- Roadside assistance
- Uninsured/underinsured motorist coverage
- Rental car reimbursement
If you want more robust protection beyond the minimum, you can choose a policy with comprehensive and collision. This will protect you against the financial ramifications of car accidents, theft, vandalism or weather incidents. This is commonly known as full coverage.
Better coverage, however, is more expensive. But it could be worth it for the peace of mind of knowing your own vehicle is covered, and higher coverage limits will ensure you won't have to pay out-of-pocket to cover what insurance won't. A comprehensive insurance policy with a $1,000 deductible costs $1,098 in Indiana — that's 165% more than liability-only insurance. If you choose a full coverage policy with a $500 deductible, expect to pay 228% more than you would for basic coverage.
Compare car insurance rates from the best companies in Indiana.
Indiana car insurance premiums by rating factor
While the cost of car insurance in Indiana is lower than the nation's average, rating factors like your driving history, age and coverage level can drive up the price. Every company weighs these personal factors differently when generating quotes.
Consult average rates by rating factor below to get a better understanding of how much you can expect to pay in Indiana.
Cheap auto insurance in Indiana for minimum coverage
Compared to full coverage, getting liability-only coverage at the state minimum level will make your auto insurance much cheaper. However, it will also leave you at risk. In Indiana, the average cost for minimum coverage is $35 per month, or $414 yearly — a savings of $944 compared to full coverage.
Cheap auto insurance in Indiana with bad credit
Insurers refer to statistics to determine how much risk a prospective client poses. Their data tells them that there is a correlation between poor credit and a propensity for filing claims, which is why drivers with bad credit are charged much higher rates. In almost every state, credit score is a rating factor for car insurance.
In Indiana, drivers with poor credit pay an additional $1,228 yearly compared to drivers with excellent credit. Consult sample rates from different insurance companies below and use this information as a jumping-off point in your search for affordable insurance with bad credit.
Cheap auto insurance in Indiana with an at-fault accident
A violation on your record like an at-fault accident will make your rate more costly. Like having bad credit, a checkered driving record is a risk indicator. In Indiana, a recent at-fault accident can raise your rate by as much as $619 annually.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.
Cheap auto insurance for young drivers in Indiana
In Indiana, teens pay $3,307 per year, which is $1,778 more than the national average and over twice as much as a 30-year-old Indiana driver.
Teens and drivers in their 20s pay the most for car insurance compared to older age groups. This is due to younger drivers' relative driving inexperience compared to older drivers. Nationally, teen drivers pay more than three times the average rate.
Indiana auto insurance rate by violation
It's no secret that receiving a citation will increase your car insurance premium. It's difficult to say how much exactly you can expect your rate to increase because every company's pricing standards are different. Using data, however, we can provide general estimates.
See below for average auto insurance rates after getting a ticket in Indiana.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,269||0%||$3|
|Two Med/PIP claims||$1,354||7%||$89|
|One comp claim||$1,361||8%||$96|
|Two comp claims||$1,449||14%||$183|
|Failure to show documents||$1,491||18%||$225|
|Failure to wear a seat belt||$1,492||18%||$227|
|Child safety restraint||$1,521||20%||$255|
|Driving without lights||$1,521||20%||$255|
|Driving with expired registration||$1,526||21%||$261|
|Cell phone violation||$1,578||25%||$312|
|Speeding 6 - 10 MPH over limit||$1,581||25%||$316|
|Texting while driving||$1,585||25%||$319|
|Speeding in school zone||$1,586||25%||$320|
|Driving too slowly||$1,586||25%||$320|
|Speeding 11 - 15 MPH over limit||$1,591||26%||$326|
|Following too closely||$1,602||27%||$336|
|Failure to yield||$1,602||27%||$336|
|Failure to stop at a red light||$1,604||27%||$339|
|Wrong way/wrong lane||$1,606||27%||$340|
|Speeding 16 - 20 MPH over limit||$1,610||27%||$345|
|At-fault accident - less than $1000||$1,626||28%||$360|
|Passing school bus||$1,666||32%||$400|
|Speeding 21 - 25 MPH over limit||$1,749||38%||$483|
|In 65 MPH zone||$1,821||44%||$555|
|At-fault accident - $1000-$2000||$1,824||44%||$558|
|At-fault accident - greater than $2000||$1,852||46%||$587|
|Operating a vehicle without permission||$2,001||58%||$736|
|Refusal to submit to a chemical test||$2,393||89%||$1,127|
|Driving with a suspended license||$2,460||94%||$1,194|
|Leaving scene of an accident/hit and run||$2,498||97%||$1,232|
Indiana DUI laws
Getting a DUI in Indiana can increase your auto insurance rate by over 90% yearly. Because a DUI often triggers a larger uptick in premium costs than most other citations, it can be challenging finding affordable car insurance in the aftermath of a DUI conviction.
Low-cost car insurance after a DUI in Indiana
To find the most savings, it’s integral to assess each of your insurance choices carefully if you're convicted of a DUI or DWI violation in Indiana. Car insurance premiums following a DUI can vary substantially by insurance company.
For example, the least expensive car insurance company with a DUI in Indiana, USAA, advertises annual rates 41% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Indiana is State Farm, while the most expensive is Allstate, with prices 22% above average.
It is difficult to find an inexpensive car insurance quote after a DUI that's comparable to a rate without a DUI on your record. The recommended way to save after a DUI citation is to shop around with as many companies as possible.
Indiana SR-22 insurance
An SR-22 is a routine legal requirement brought on by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Indiana to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Indiana might require some research, but it could pay off in the end.
How to acquire an SR-22 in Indiana
For currently insured drivers
If you already have an active auto insurance policy, requesting an SR-22 shouldn't be difficult. Simply contact your insurance company and request that it files an SR-22 certificate request on your behalf. If your current insurance company won't request a certificate, you should look to switch to a new auto insurance company that will.
For uninsured drivers
When filing for a new policy, you might be charged an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification might disqualify you from getting coverage from some companies, while others will sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should apply for a non-owners car insurance policy before filing for an SR-22. Non-owners auto coverage is typically cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.
Find an affordable policy in Indiana in minutes!
Rates by city
Car insurance companies calculate your rate based on many factors, and an important one is the location of the vehicle. The cheapest car insurance is found in Shadeland, Indiana, and the most expensive in Gary.
Have a look at the table below to see average car insurance costs in some of Indiana's biggest cities.
Car insurance price trends in Indiana
In Indiana, average annual auto insurance costs increased by $73 in the past year. A typical Indiana driver pays an average of $1,261 per year.
Year over year, the cost of car insurance has increased steadily in Indiana. The highest rate increase occurred from 2016 to 2017, while the steepest decrease occurred from 2011 to 2012. Despite this continuing trend of car insurance getting more expensive, Indiana's average is still cheaper than the national average.
|Year||Avg. Annual Premium — Indiana||Yearly Change — Indiana||Avg. Annual Premium — US||Yearly Change — US|
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Indiana car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Indiana auto insurance.
Who has the cheapest car insurance in Indiana?
Auto-Owners has the cheapest rates in Indiana at $916 a year for a full coverage policy. USAA and GEICO also offer rates that are lower than average. The best way to find the cheapest car insurance in Indiana is to compare auto insurance quotes from as many companies as possible.
What is the average cost of auto insurance in Indiana?
The average rate in Indiana is $1,261 per year, or $105 per month.
Does Indiana require you to have auto insurance?
Indiana requires all registered vehicles to carry liability insurance — the minimum amount required is 25/50/25.
Save money on your next car insurance policy!
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.