Average Car Insurance Cost in Indiana (2026)
Drivers in Indiana pay an average of $98 per month for car insurance.
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Written byErin Gobler
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Erin Gobler
Over 5 years of experience in financial writing
Certified in financial planning by Boston University
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Reviewed byDavid Marlett
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David MarlettAdvisor
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The average monthly cost of car insurance In Indiana is just $98, 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 $66 per month for liability insurance and $129 for full coverage.
Elkhart is the city with the cheapest average insurance rates in Indiana, at $85, followed by Muncie and Lafayette.
Full-coverage policies cost an average of $1,548 per year for Indiana drivers.
How much is car insurance in Indiana?
The overall average cost of car insurance in Indiana is $98 per month, or $1,171 per year. Full coverage costs an average of $129 per month, or $1,548 per year, and liability-only coverage is just $66 per month, or $793 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.
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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 Over the Past Two Years
State Name | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Indiana | 1,545 | 1,587 | 1,610 | 1,633 | 1,672 | 1,676 | 1,665 | 1,665 | 1,662 | 1,650 | 1,648 | 1,661 | 1,662 | 1,660 | 1,657 | 1,642 | 1,610 | 1,590 | 1,556 | 1,538 | 1,537 | 1,529 | 1,530 | 1,537 |
| United States | 2,241 | 2,301 | 2,342 | 2,369 | 2,390 | 2,386 | 2,373 | 2,370 | 2,361 | 2,349 | 2,364 | 2,366 | 2,366 | 2,355 | 2,341 | 2,318 | 2,286 | 2,257 | 2,228 | 2,215 | 2,222 | 2,223 | 2,224 | 2,233 |
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.
The below rates in Indiana are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Elkhart | $60 | $110 |
| Goshen | $61 | $120 |
| Muncie | $61 | $116 |
| Columbus | $62 | $118 |
| Lafayette | $62 | $122 |
| Terre Haute | $62 | $108 |
| West Lafayette | $62 | $132 |
| Mishawaka | $64 | $121 |
| South Bend | $64 | $126 |
| Anderson | $67 | $125 |
| Evansville | $71 | $131 |
| Greenwood | $72 | $131 |
| Fort Wayne | $73 | $134 |
| Indianapolis | $78 | $153 |
| Gary | $81 | $165 |
| Jeffersonville | $84 | $150 |
| New Albany | $87 | $142 |
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.
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Car Insurance Requirements in Indiana
April 9, 2026
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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $155 | $304 |
| 18 | $135 | $264 |
| 20 | $93 | $183 |
| 25 | $82 | $161 |
| 30 | $71 | $140 |
| 40 | $65 | $129 |
| 50 | $59 | $115 |
| 60 | $56 | $109 |
| 70+ | $60 | $117 |
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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $149 | $292 |
| 18 | $129 | $254 |
| 20 | $89 | $175 |
| 25 | $79 | $155 |
| 30 | $69 | $134 |
| 40 | $63 | $123 |
| 50 | $57 | $111 |
| 60 | $54 | $105 |
| 70+ | $58 | $113 |
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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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.
Vehicle | Average Monthly Quote |
|---|---|
| Chevrolet Silverado | $145 |
| Ford F-Series | $137 |
| Honda CR-V | $122 |
| Chevrolet Equinox | $129 |
| GMC Sierra | $147 |
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
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.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $154 | 44% |
| With speeding ticket | $153 | 43% |
| With DUI | $175 | 64% |
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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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.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $65 $128 Good $68 $134 Fair $69 $135 Poor $80 $156 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 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]
Shop around for quotes
You might be surprised by how much rates can vary from one insurance company to the next. You can be sure you’re getting the best rates for your unique situation by shopping around and getting quotes from many companies.
Rethink your coverage limits
Choosing the right coverage limits can help you save money on your premiums and long-term costs. It’s important to ensure you have enough coverage to protect you financially if you have an accident, but not so much that you’re paying more than you need to.
Increase your deductible
Insurers charge higher premiums for low deductibles because it requires them to pay more if you file a claim. You can lower your rates by raising your deductible, but be sure you can afford to pay the difference out of pocket if you have to file a claim.
Bundle your policies
Many major insurers offer a discount when you bundle your auto insurance with another policy, including homeowners insurance, renters insurance, or even life insurance. You can save money by choosing the same insurer for all your policies.
Improve your credit
Insurers tend to charge lower rates to drivers with good credit. If you’re currently paying more for your insurance than you’d like, you may be able to lower your rates by improving your credit before your policy renews.
Drive safely
Maintaining a clean driving record can help you avoid rate increases. You may also qualify for good driver discounts or be eligible to save money through telematics programs that track your driving habits and charge you accordingly.
Save with discounts
Many major insurers offer discounts to help you save on your premiums. When shopping around for cheap car insurance, pay attention to what types of discounts each insurance company offers so you can find the insurer that offers you the best savings.
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 $1,171 for car insurance. Liability-only insurance costs $793 per year, while full coverage costs an average of $1,548 per year.
Auto-Owners has the cheapest rates for drivers in Indiana, with average monthly liability rates of $42. 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 $66 per month for liability coverage and $129 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]
Sources
- Insurance Information Institute. "Facts + Statistics: Auto theft."
- U.S. Department of Transportation. "Early Estimate of Motor Vehicle Traffic Fatalities for the First 9 Months (January–September) of 2024."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Institute for Highway Safety. "Older drivers."
- Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
- Insurance Information Institute. "How to save money on car insurance."
- Indiana Department of Insurance. "Auto Insurance."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Written byErin Gobler
Erin Gobler
Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Featured in
Becky HelzerEditor
David MarlettAdvisor