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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Car insurance is generally inexpensive in Indiana. The average auto insurance rate in Indiana is $1,133 per year — 20.6% less than the national average.

But car insurance premiums are affected by factors other than your location. Car insurance premiums take into account a number of components, such as one's marital status, driving history, credit rating, gender and age.

We analyzed Indiana auto insurance premiums by each of the primary pricing factors. Continue reading to learn how much auto insurance runs in each U.S. state — or enter your ZIP code to view personalized quotes from top car insurance companies.


Get free auto insurance quotes today.

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Average Indiana car insurance costs by:
  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average auto insurance premiums in Indiana by age group

It's a common phenomenon: as you grow older, your car insurance expenditures shift. Typically, auto insurance is more costly for teenage drivers, as insurers consider inexperienced motorists as less responsible.

In Indiana, auto insurance costs $4,809 per year for a 16-year-old driver, compared to $974 per year for a driver in their 50s.

Age Average Yearly Premium
16 $4,808.94
17 $4,121.39
18 $3,640.99
19 $2,689.18
20s $1,555.46
30s $1,109.54
40s $1,050.56
50s $974.29
60s $990.72
70s $1,166.86

If you're facing the pricey prospect of insuring a teen driver, it's worth noting Indiana is the 8th cheapest state in which to purchase car insurance for a 16-year-old.



Car insurance costs in Indiana by gender

While gender doesn’t have as significant an impact on car insurance prices as location or age, it is employed as a rating factor by insurance companies.

Gender Average Yearly Rate
Male $1,126.12
Female $1,136.17

If you think you aren't getting the best value for your money with your present car insurance company, the best course of action is to compare insurance companies.


Compare rates and save!

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Car insurance premiums in Indiana by marriage status

A benefit of married life — aside from the wedding gifts — is the better deal you may get on car insurance. In the state of Indiana, married drivers save $8 annually on auto insurance. This is less than the US post-wedding price cut of $76.

Marital Status Average Annual Rate
Single $1,126.12
Married $1,117.88
Divorced $1,131.19
Widowed $1,109.47

Auto insurance for divorced drivers in Indiana is the 39th most expensive in the US. If you think you're overpaying for your coverage, don't be afraid to shop around. You never know when you'll find a great deal!



Average auto insurance rates in Indiana by credit level

Insurers use credit score to determine how reliable a customer will be. Historical data show drivers who carry exceptional credit are more dependable car insurance clients: they're less likely to file claims that insurance companies must repay.

In Indiana, a driver boasting exceptional credit can save $878 per year in insurance payments, compared to a driver who has a poor credit rating. Learn more about how credit history can impact car insurance expenses in the Hoosier State:

Credit Score Average Annual Rate
Very Poor (300-579) $1,902.26
Fair (580-669) $1,630.93
Good (670-739) $1,388.37
Very Good (740-799) $1,166.44
Exceptional (800-850) $1,023.43

Finding cheap auto insurance if you have a low credit score is sometimes hard. But we're here to help out. Read our guide to finding auto insurance with poor credit and save!



Auto insurance policy prices for high-risk drivers in Indiana

If you’re defined as at fault after a car accident or convicted of a vehicular infraction, your car insurance costs are going to climb. The more violations you accumulate, the more expensive your auto insurance gets.

In Indiana, your first at-fault fender bender will cost $462 annually in auto insurance premiums. A DUI or DWI — considered among the most grievous driving offenses — will boost your annual insurance expenditure in Indiana by as much as $572.

Age Average Annual Premium
DUI or DWI $1,705.47
Reckless Driving $1,630.88
At-Fault Accident (<$1,000) $1,595.22
At-Fault Accident ($1,000-$2,000) $1,666.55
At-Fault Accident (>$2,000) $1,643.68
Open Container $1,503.01
Speeding (21-25 MPH > limit) $1,347.45
Speeding (16-20 MPH > limit) $1,336.80

If you're in need of affordable auto insurance, consider weighing your options to get inexpensive insurance coverage that suits your needs.



Car insurance costs by coverage amount in Indiana

How much you're charged each month for car insurance depends on how much coverage you elect to carry. A liability-only policy typically costs less, while low-deductible comprehensive coverage usually costs more. In Indiana, the rate gap between state-minimum liability-only coverage and comprehensive coverage with a $500 deductible is $638.

Coverage Level Average Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only $527
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision $1,007
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision $1,159
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only $470
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision $955
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision $1,108
State Minimum — Liability Only $425
State Minimum — $1,000 Comprehensive/Collision $910
State Minimum — $500 Comprehensive/Collision $1,063

If you're facing costly car insurance payments, think about shopping around to get affordable coverage that works for you.


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.