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Indiana Car Insurance

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Here's what you need to know when driving in Indiana

Across the Hoosier State, there are 197,997 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

Minimum insurance requirements in Indiana

In Indiana, the minimum coverage requirement is liability with limits of:
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $10,000 per accident
Optional coverage in Indiana (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

Liability coverage is legally required in Indiana and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Indiana, the minimum is listed as 25/50/10 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Indiana but higher coverage amounts are available with most companies.

Top Indiana Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in Indiana?


What does this mean for you?

If you happen to find yourself pulled over by a police officer in Indiana you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Indiana?

Uninsured Drivers in Indiana




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Indiana cities?

Rank City Avg. Annual Premium
1 Gary $1,374
2 Hammond $1,301
3 Merrillville $1,117
4 Portage $1,115
5 Lawrence $1,077
6 Indianapolis $1,071
7 Evansville $1,066
8 Jeffersonville $1,059
9 Terre Haute $1,056
10 New Albany $1,049
11 Kokomo $1,021
12 Anderson $1,021
13 Bloomington $978
14 Elkhart $975
15 South Bend $966
16 Fort Wayne $966
17 Columbus $965
18 Fishers $964
19 Mishawaka $955
20 Richmond $954
21 Greenwood $950
22 Muncie $946
23 Noblesville $939
24 Carmel $938
25 Lafayette $908

More questions?

Check out other FAQs and ask your own Indiana car insurance questions here.
Driving Laws

Indiana Texting and Driving Laws

  1. Ban on all cell phones for drivers <18 years
  2. Ban on text messaging for all drivers
Alcohol Related Fatalities


Per Year in Indiana
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's cheap to get car insurance in Indiana!

Whoa! Indiana is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Since Indiana might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in Indiana?
Rank Company Name Avg. Annual Premium
1 Travelers $608
2 Cincinnati Insurance $671
3 USAA $674
4 Erie $719
5 Western Reserve $855
6 Indiana Farmers Mutual $858
7 The Hartford $872
8 Auto-Owners $897
9 Nationwide $949
10 Utica National $975
11 Motorists Mutual $976
12 State Farm $977
13 Safeco $993
14 Hastings Mutual $993
15 Farmers $1,043
16 Westfield $1,083
17 Wolverine Mutual $1,083
18 State Auto $1,109
19 GEICO $1,111
20 Progressive $1,117
21 Celina Insurance $1,158
22 Allied $1,161
23 Pekin Insurance $1,178
24 Cal Casualty $1,181
25 American Family $1,234
26 Victoria $1,357
27 General Casualty $1,446
28 MetLife $1,565
29 Sentry $1,676
30 United Farm Bureau $1,772
31 Grange Mutual $1,873
32 First Chicago Maverick $1,940
33 Allstate $1,970
34 Safe Auto $2,044
35 Liberty Mutual $2,251
36 Hanover $2,284
37 American Freedom Insurance Company N/A
38 Celina Insurance N/A
39 Dairyland N/A
40 First Chicago FIRST N/A
41 Foremost N/A
42 Hastings Mutual N/A
43 Indiana Farmers Mutual N/A
44 Kemper Specialty N/A
45 The General N/A
46 Titan N/A
47 United Farm Bureau N/A
48 Utica National Insurance Group N/A
49 Western Reserve Group N/A

Indiana Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Indiana area, while also getting an insider view of the Hoosier State.

Click here to learn more.


So, Indiana students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • This is not a traditional video essay. We do not want an extended selfie of your face (as lovely as it is) speaking to the camera. Make sure your video includes creative visual elements.
  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original two to five minute video. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59pm CST on December 31, 2016.
  • Winner(s) will be selected and notified by e-mail by January 15, 2017.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.