How Much Is Car Insurance in Indiana? (2026)

How much is car insurance in Indiana? 

Indiana car insurance costs an average of $65 per month for state-minimum liability coverage and $128 per month for full coverage. 

This is higher than in nearby Ohio but lower than the average costs in neighboring Michigan, Illinois, Kentucky, and the national average. In Michigan, full coverage costs nearly $100 more per month.

Coverage Type	Average Monthly Quote	Average Annual Quote
State-minimum coverage	$65	$781
Full coverage	$128	$1,538

Disclaimer: Table data is based on real-time Indiana quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Minimum car insurance requirements in Indiana

Indiana requires drivers to have a minimum amount of liability insurance before they can drive on state roads. You must have at least $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability.^[1] These coverages pay for injuries to other drivers, passengers, vehicles, or personal property if there’s an accident. See below for a breakdown of Indiana’s car insurance laws.

Coverage Type	Indiana Minimum Requirement
Bodily injury liability per person	$25,000
Bodily injury liability per accident	$50,000
Personal property liability	$25,000

Cheapest car insurance companies in Indiana

Car insurance in Indiana is cheaper than in many other states. This may be due to Indiana’s low accident fatality rate compared to other states in the region. It also has a lower total population than most nearby states.^[2]

Auto-Owners currently has the cheapest car insurance in Indiana, at $35 per month for liability insurance.

You can find the cheapest full-coverage policy from Progressive, at a monthly average of $62.

Liability-only coverage is the cheapest option, as it only pays for injuries and damage to other people’s property — not your own — if you cause an accident. Consider full coverage for additional financial protection.

See the table below for the cheapest car insurance companies in Indiana. 

The below rates in Indiana are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
Auto-Owners	$35
State Farm	$36
USAA	$39
GEICO	$40
Progressive	$40
First Chicago	$41
National General	$49
Direct Auto	$51
American Family	$54
First Acceptance	$57
The General	$57
Trexis	$58
Hugo	$59
Safeco	$60
AssuranceAmerica	$62
Dairyland	$62
Root	$62
Trexis One	$62
GAINSCO	$66
Liberty Mutual	$70
CSAA	$72
Elephant	$72
Travelers	$72
Mendota	$73
Bristol West	$75
Farmers	$75
Allstate	$86
Insurify Car	$94
Nationwide	$95
State Auto	$180

Disclaimer: Table data sourced from real-time Indiana car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Indiana may vary based on the policy buyer's unique driver profile.

Average Indiana car insurance rates by city

Terre Haute has the cheapest car insurance rates in Indiana, at $59 per month, while Gary has the highest rates, at $77 per month.

Terre Haute’s premiums are likely lower due to the city’s much lower volume of accidents. In 2023, there were only about 3,000 accidents in Vigo County, where Terre Haute is located, across the entire year, according to data from the Indiana University Public Policy Institute. Lake County, home to Gary, had more than 16,000. Gary is also more populated and has almost four times the number of commuters coming in.

See the table below for average liability and full-coverage auto insurance rates for Indiana’s biggest cities.

City	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Indianapolis	$73	$150
Fort Wayne	$69	$133
Evansville	$68	$129
South Bend	$61	$126
Lafayette	$58	$121
Gary	$77	$165
Greenwood	$68	$127
Muncie	$59	$115
Terre Haute	$59	$108
Anderson	$65	$123
Elkhart	$57	$110
Columbus	$59	$118
Jeffersonville	$81	$145

Disclaimer: Table data is based on real-time Indiana quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Average Indiana car insurance rates by age

Teen drivers and younger drivers typically have the highest rates due to their inexperience and higher likelihood of accidents. In Indiana, teens can get a learner’s permit at age 15 if they enroll in an approved behind-the-wheel training course. If you get an Indiana driver’s license and are younger than 21, the state considers your license to be probationary.

Senior drivers aged 65 and older make up 17.5% of the population in Indiana.^[3] They pay lower rates thanks to their many years of experience on the road, averaging $57 per month for liability insurance.

The table below shows Indiana’s average car insurance premiums for several different age groups.

Age	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Teens	$133	$262
Adults (40s)	$65	$129
Seniors	$57	$112

Disclaimer: Table data is based on real-time Indiana quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How your driving record affects car insurance rates in Indiana

Your unique driving record — and the car accidents, speeding tickets, OWIs, and other marks on it — play a big role in your car insurance premiums. Typically, the cleaner your record, the better your rates are, while citations and other issues can increase your rates.

In Indiana, less than 4% of people have a speeding ticket on their driving record, while about 5% have an at-fault accident in their history, Insurify data shows. Fewer than 1% have an operating a vehicle while intoxicated (OWI) conviction.^[4]

See below for the average rates for Indiana drivers with these marks on their driving history.

Driving Record	Average Monthly Quote in Indiana	% Increase Compared to Clean Driving Record
Clean driving record	$98	N/A
With speeding ticket	$137	40%
With accident	$142	45%
With OWI	$144	47%

Disclaimer: Table data is based on real-time Indiana quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

What affects car insurance rates in Indiana?

Nationwide, Indiana’s rates fall somewhere in the middle of the 50 states. Many factors affect car insurance rates, though.

Some of the factors that push Indiana’s car insurance rates up include its relatively high share of leased vehicles. Leasing companies often require higher coverage levels, which results in higher premiums.

Indiana is also vulnerable to tornadoes. More than 1,500 verified tornadoes have occurred in Indiana since 1950, and the state recorded 57 in 2024 alone.^[5]

The state’s average good credit score (712, according to Equifax), as well as its declining number of vehicle thefts, help keep premiums from rising too high. Vehicle thefts were down 21% between 2024 and 2025, dropping from more than 7,000 to just over 5,600, according to data from the National Insurance Crime Bureau.

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How Indiana car insurance rates have changed over the past five years

Indiana auto insurance rates have risen over the last few years. In early 2021, the average annual rate was $1,149 for full coverage — or a monthly rate of about $95, according to an Insurify report. This could be due to the state’s growing population — it’s gained more than 200,000 new residents since 2020 — or its increasing number of tornadoes.

According to data from the National Oceanic and Atmospheric Administration’s Storm Prediction Center, 2023 and 2024 saw the most tornadoes in the state since 2011.

How to lower car insurance costs in Indiana

If you want to lower your Indiana car insurance premiums, several strategies can help:

• Shop around. Premiums can vary widely from one insurance company to the next, so compare quotes from several insurers or work with an independent insurance agent when getting car insurance quotes. Pay close attention to any discounts that insurers offer, as these can reduce your premiums, too.

• Join the Hoosier Motor Club. AAA’s Hoosier Motor Club is just for Indiana residents and offers members a host of auto insurance discounts, including a 30% discount for students.

• Use a local or regional insurer. Getting your car insurance policy from a local insurance company may give you access to discounts you can’t find elsewhere. For example, Indiana Farm Bureau Insurance offers a 10% discount if you work for an agribusiness or if you’re a farmer with a Rural Guardian policy with the company.

• Take one of Indiana’s approved Driver Safety Programs (DSPs). These give you points on your driving record and can qualify you for insurance discounts.^[6]

Opting for a higher deductible or lower coverage amounts can also help you lower your insurance costs. You can also try bundling your auto insurance with your homeowners insurance or renters insurance, which can often qualify you for a discount.

Indiana average car insurance cost FAQs