What's the Average Cost of Car Insurance in Indiana?

The Zebra
Feb. 8, 2019

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 typical Indiana auto insurance premiums by each of the primary pricing factors. Continue reading to learn how much auto insurance runs in each US state — or enter your zip code to view personalized quotes from top insurance companies.


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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

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.


INDIANA CAR INSURANCE PRICES BY AGE BRACKET
AgeAverage 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.




Mean 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.


INDIANA AUTO INSURANCE RATES FOR MEN AND WOMEN
GenderAverage 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.


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Mean 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.


INDIANA CAR INSURANCE RATES BY MARITAL STATUS
Marital StatusAverage 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

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 $878.84 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:


INDIANA CAR INSURANCE RATES BY CREDIT TIER
Credit ScoreAverage 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!




Typical Auto Insurance 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 $462.50 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 $572.76.


INDIANA CAR INSURANCE RATES AFTER VIOLATIONS
AgeAverage 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.




Typical 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.


INDIANA AUTO INSURANCE RATES BY COVERAGE LEVEL
Coverage LevelAverage 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 above-average car insurance payments, think about shopping around to get affordable coverage that works for you.