Average Cost of Car Insurance Rates in Indiana (2021)

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How Much Does Car Insurance Cost In Indiana?

On average, car insurance rates for drivers in Indiana are $162 per month, and $1948 per year. The average rates make Indiana the 41st most expensive state in the country for car insurance rates and -37% less expensive then the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $16250%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Indiana Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Indiana and has selected the following providers and quotes as the best rates for drivers in Indiana.

Cheapest Companies
progressive

Progressive

$23/mo
state-farm
$51/mo
allstate
$87/mo
travelers
$95/mo
nationwide
$106/mo

Indiana Car Insurance Rates by City

For drivers in Indiana, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Indiana.
City
Bloomington$125
Elkhart$131
Evansville$149
Fort Wayne$141
Greenwood$145
Indianapolis$156
Lafayette$130
South Bend$127
Terre Haute$129
West Lafayette$137

What Is the Average Cost of Car Insurance in Indiana by Age?

Working high schoolers should have more than enough spending money even after paying for a relatively reasonable $291 a month for car insurance, an amount less than what even the most experienced drivers pay on average in some other states. And prices decrease with age; twentysomethings see a $100 drop for their driving experience.

People in their 30s, 40s, and 50s will see their monthly rates fall at least $25 below the state average. The retirement age crowd gets the lowest numbers, which should give them plenty to splurge on their grandchildren. The prices pop up a little as driver age rises, but it's still far below what the youngest drivers pay.

Age
Teens$291
20s$180
30s$130
40s$136
50s$129
60s$117
70s$123
>80s$134

What Is the Average Cost of Car Insurance in Indiana by Gender?

Men pay five percent more than women in the Hoosier State. That averages out to $12 more per month.

Gender
Male$169
Female$157

Does Marital Status Influence the Average Cost of Car Insurance in Indiana?

Married couples in Indiana pay $17 less on average than their single counterparts. That might not sound like much, but it turns into over $200 a year.

Financial experts often say that marriage leads to greater stability and higher average net worth. The difference in average car insurance costs between married and single Hoosiers is just one example.

Marital Status
Married$150
Single$167

What Are the Minimum Car Insurance Requirements in Indiana?

Indiana requires drivers to have liability insurance to cover injuries and property damage caused to others. State law says you must have $25,000 in bodily injury liability per person and $50,000 per accident, $25,000 in property damage liability per accident, $25,000 in uninsured/underinsured motorist bodily per person, and $50,000 in underinsured motorist bodily per accident. To protect your vehicle itself, pick up comprehensive and collision coverage.

indiana

How Does Credit History Affect Indiana Car Insurance Rates?

Indiana, like most states, allows insurance companies to rate you based on your credit.

Poor credit drivers pay less on average in Indiana than those with average and good credit. Why? People with poor credit tend to purchase less coverage and finance less expensive vehicles. If you have good credit, pump your score up above 800, and you'll slash your monthly costs by $17.

Credit History
Poor$152
Average$157
Good$166
Excellent$149

What Is the Average Cost of Car Insurance in Indiana for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Indiana will pay $11 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $31. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving History
No Violation$153
At-Fault Accident$184
Speeding$164

Tips for Researching Indiana Car Insurance Rates

The Hoosier State's prices and premiums vary based on location, company, and driver. Indiana's population is projected to grow. Does that mean insurance rates will increase along with the state’s population?

While you wish for the best, you can try Insurify's comparison tool. You can get 10+ real quotes and unlock savings and discounts. In less than two minutes, you can find the coverage you deserve at a price you can afford.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.

Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

See All Auto Insurance Companies

FAQs - Indiana Car Insurance

Why is car insurance so expensive in Indiana?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Indiana?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Indiana. Insurify analyzed the latest data for the five most populous cities in Indiana to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Indiana?

'The way to find the carrier with the best auto insurance ratings in Indiana and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you''re a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.'

How much do annual auto insurance rates increase in Indiana?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.