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

The Zebra
Oct. 11, 2018

Car insurance is affordable in Indiana. The average auto insurance rate in Indiana is $1,133 per year — less than the nationwide average by 20.6%.

Your car insurance costs are impacted by factors aside from location. Auto insurance premiums consider a number of factors, including one's age, credit rating, driving history, gender, and marital status.

We analyzed mean Indiana car insurance rates by all of the main rating factors. See below how much auto insurance runs in each state — or enter your zip code to view personalized rates from top insurance companies.


Average Auto Insurance Prices in Indiana by Age

It's unavoidable: as you age, your car insurance rates change. Generally, auto insurance is more expensive for young drivers, as auto insurance companies consider inexperienced drivers as more risky.

In Indiana, car insurance costs $4,809 per year for a 16-year-old driver, but just $974 annually for a driver in their 50s.


INDIANA AUTO INSURANCE PRICES BY AGE
Age Average Annual 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



Average Auto Insurance Prices in Indiana by Gender

While gender doesn’t make as large an impact on car insurance prices as state or experience level, it is used as a rating factor. Men pay less than do women for auto insurance in Indiana, but the difference is only $10.05 annually.

INDIANA AUTO INSURANCE RATES BY GENDER
Gender Average Annual Rate
Male $1,126.12
Female $1,136.17



Mean Car Insurance Premiums in Indiana by Marital Status

One pro of getting married — in addition to the honeymoon — is the lower rates you often earn on your auto insurance. In Indiana, married motorists save $8 per year on car insurance policies. This is a smaller discount than the national savings of $76.


INDIANA AUTO INSURANCE PREMIUMS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,126.12
Married $1,117.88
Divorced $1,131.19
Widowed $1,109.47



Average Car Insurance Costs in Indiana by Credit

Car insurance companies reference credit history as a way of determining the reliability of a prospective client. Historical data show drivers who carry good credit histories are more insurable car insurance clients: they're less likely to file claims for which insurance companies end up on the hook.

In Indiana, a driver boasting exceptional credit saves $878.84 each year in auto insurance premiums, versus a driver who has a bad credit score. Read more about how credit score may impact auto insurance prices:


INDIANA AUTO INSURANCE PRICES BY CREDIT LEVEL
Credit Tier 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



Average Auto Insurance Costs for High-Risk Drivers in Indiana

If you've been defined as at fault after a car accident or convicted of an on-road violation, your car insurance premiums are bound to grow. The more infractions you amass, the more costly your auto insurance becomes.

In Indiana, your first minor at-fault incident costs $462.50 per year in car insurance premiums. A DUI — one of the most serious vehicular infractions — can raise your annual car insurance costs in Indiana by as much as $572.76.


INDIANA CAR INSURANCE PREMIUMS AFTER TICKETS
Age Average Annual Rate
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 your policy is more costly than the state average, consider insurance shopping to get inexpensive coverage that works.


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