Average Car Insurance Cost in Indiana (2025)
Drivers in Indiana pay an average of $101 per month for car insurance.
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The average monthly cost of car insurance In Indiana is just $101, making it one of the most affordable states in the country for insurance.
It’s difficult to say why insurance prices are lower in Indiana, especially since the state ranks among the top half of states for uninsured drivers, population density, and auto thefts.1 But its fatality rate is well below the national average, which may contribute to the state’s lower insurance costs.2
Before shopping for insurance, it’s important to know the average price drivers in Indiana pay for their coverage — and what factors could affect your cost.
Quick Facts
Indiana drivers pay an average of $70 per month for liability insurance and $131 for full coverage.
Elkhart is the city with the cheapest average insurance rates in Indiana, at $91, followed by Muncie and Lafayette.
Full-coverage policies cost an average of $1,567 per year for Indiana drivers.
How much is car insurance in Indiana?
The overall average cost of car insurance in Indiana is $101 per month, or $1,207 per year. Full coverage costs an average of $131 per month, or $1,567 per year, and liability-only coverage is just $70 per month, or $846 per year.
The cost of your car insurance depends on many key factors, including your location, age and gender, driving history, and more. Your quotes may not reflect the state’s average rates, so it’s important to shop around to make sure you’re getting the cheapest insurance rates.
How Indiana car insurance rates have changed over the past two years
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To find car insurance rates in Indiana and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Indiana rose to $1,600 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Indiana.
See how Indiana car insurance prices have changed over the past two years below.
Average Indiana car insurance rates by city
The cost of car insurance in Indiana varies from one city to another and even by ZIP code. Areas may have higher or lower rates based on local traffic patterns, accident and fatality rates, population density, and crime rates.3 Generally speaking, the greater your chances of filing a claim, the higher the average rate.
Average Indiana car insurance rates by age and gender
Your age and gender are two key factors that affect your car insurance rates.
Generally speaking, your insurance premiums decrease throughout your life. Teens and other young drivers pay the highest rates, while more experienced drivers in their 50s and 60s pay some of the lowest premiums. Rates increase again around age 70, as senior drivers often have slower reflex times that can affect their driving ability.4
Gender can also play a part in your insurance rates. Women often pay less for car insurance because they tend to have fewer — and less severe — accidents. This trend holds true in Indiana, where women pay slightly less for car insurance than men.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Indiana
The average car insurance rate varies depending on the vehicle model you drive. Your choice of vehicle could raise or lower your insurance costs by $100 per month or more. The most affordable vehicles to insure are often small SUVs that prioritize safety features, based on Insurify data.
In Indiana, three of the five most popular vehicles are pickup trucks, according to Edmunds. Pickups lend themselves well to some of Indiana’s largest industries, including manufacturing and agriculture. The table below shows the most popular vehicles in Indiana, along with their average insurance rates.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Indiana
If you’re a safe driver, you’ll likely pay less for your car insurance. Having a clean driving record can help you land some of the lowest insurance rates, while having any violations on your record — including a speeding ticket, at-fault accident, or DUI — can increase your premiums, sometimes significantly. An infraction on your record can increase your insurance rates for three to five years.
The table below shows how an at-fault accident, speeding ticket, and DUI can affect your insurance premiums in Indiana.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Depending on where you live, your credit history can affect your insurance premiums. While several states prohibit insurers from using credit information to set insurance rates, Indiana isn’t one of them. As a result, your insurance company may review your credit history when determining your insurance premium.
Insurers consider credit history to be a risk indicator.5 This means drivers with poor credit often pay higher rates, while drivers with good credit may pay lower rates.
The following table shows how your credit history can affect your insurance rates in Indiana.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in Indiana
Even though Indiana car insurance rates are already low, you can still find plenty of ways to lower your costs even more. Check out these easy and effective ways to save money on your car insurance:6
Indiana average car insurance cost FAQs
If you’re shopping around for car insurance in Indiana, this additional information can help you navigate the market and find the best rates.
Indiana drivers pay an average annual rate of $1,207 for car insurance. Liability-only insurance costs $846 per year, while full coverage costs an average of $1,567 per year.
Auto-Owners has the cheapest rates for drivers in Indiana, with average monthly liability rates of $45. State Farm also has some of the cheapest rates in the state. But the cheapest company for you will vary depending on your personal circumstances, so it’s important to shop around for the lowest rates before your policy renews.
Car insurance in Indiana costs an average of $70 per month for liability coverage and $131 per month for full coverage. But some of the cheapest insurers offer prices much lower than the average rate, especially for low-risk drivers.
The best car insurance companies in Indiana include Grange, USAA, Dairyland, GEICO, and Liberty Mutual. Since the best company for you depends on your unique situation and coverage needs, it’s important to shop around and compare several insurers.
Indiana requires drivers to have state-minimum coverage of 25/50/25, which means at least $25,000 per person and $50,000 per accident in bodily injury liability insurance, and at least $25,000 per accident in property damage liability insurance. The state also requires all new insurance policies to include uninsured and underinsured motorist coverage in at least the same amounts as minimum-liability insurance.7
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