Updated April 17, 2026

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The Circle City has car insurance rates that just keep climbing. Fortunately, you can find better rates through Auto-Owners, State Farm, and USAA. Average rates in the city are $153 for full-coverage car insurance and $78 for liability only, according to Insurify data.

We aim to help you secure rates as low as possible so you can keep your wheels moving in the Circle City.

Quick Facts

Drivers with excellent credit pay half of what people with poor credit do, on average, for car insurance in Indianapolis.
Many coverage options in Indianapolis are available, including regional and national insurers.
Indiana requires drivers to carry uninsured and underinsured motorist coverage unless they tell their insurer in writing that they want it removed.

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Best car insurance companies in Indianapolis

The best car insurance company in Indianapolis is different for everyone. Whether an insurer offers you the cheapest rates or the best coverage (not always the same thing) will often depend on factors such as your driving record, age, gender, marital status, vehicle type, and even your credit history.

However, as you begin your search for the best insurer, be sure to take a look at the following three.

Best insurer for liability and full coverage: Auto-Owners

liability and full coverage

User Reviews	4.3
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$49/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$95/mo

Driver Reviews

4.3

Best choiceBased on 328 verified driver reviews and ratings

	Auto-Owners's score	Industry average
Coverage options	4.0	3.2
Customer service	3.5	3.6
Discounts	3.6	2.9
Policy transparency	3.9	3.1
Value	3.5	2.9

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

Based on analysis of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviewsSee all 150 Auto-Owners reviews

James

Verified Review

Does not take care of business. People they send for damage repair are way off base on their pricing

Reviewed in Nebraska on April 12, 2026

Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.

Twitty

Verified Review

Good company, just the rates are too expensive

Reviewed in Florida on April 4, 2026

Uneventful.

Darryl

Verified Review

Insurance Shopping

Reviewed in Missouri on March 22, 2026

Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.

…

Our Advice

JD Power646

NAIC Index0.46

A.M. BestA++

Why we picked this company

Started by a group of insurance executives in Michigan in 1916, Auto-Owners started writing policies in Indiana in 1935 and now offers insurance in approximately half the country. Despite the name, Auto-Owners offers other insurance products, such as home and life insurance. It offers the lowest rates in Indiana.

Pros

Long history of selling car insurance in Indiana
A.M. Best financial strength rating of A++ (Superior)
Bundling and other discounts

Cons

Online quotes not available; you’ll need to talk to an agent
Available in only 26 states
Website lacking compared to competitors

Best insurer for financial stability: State Farm

financial stability

User Reviews	4.0
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$53/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$102/mo

Driver Reviews

4.0

Best choiceBased on 17,132 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.8	2.9
Policy transparency	3.8	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing 17 Indiana reviews for Indianapolis driversSee all 7,397 State Farm reviews

Jerry

Verified Review

State Farm

Reviewed in Indiana on April 10, 2026

I was told one price over the phone and received a higher payment when they mailed me different numbers. What a rip-off!

Ramona

Verified Review

Too High

Reviewed in Indiana on February 27, 2026

Too expensive. I have nothing in my record. I'm a senior, 64 years old, with 3 cars insured and a house, and no discounts.

John

Verified Review

Excellent

Reviewed in Indiana on February 19, 2026

I'm satisfied with my coverage so far.

Our Advice

JD Power665

NAIC Index0.84

A.M. BestA++

Why we picked this company

State Farm was started in 1922. Today, it offers around 100 different insurance products, including car insurance, renters insurance, and pet insurance. State Farm is available in all 50 states and is the largest insurance company in the United States. State Farm writes more policies than any other insurer, and it has an A.M. Best financial strength rating of A++.

Pros

Long history of selling car insurance
A.M. Best financial strength rating of A++ (Superior)
Rideshare insurance available

Cons

Low customer satisfaction ratings
Gap insurance not available
Not as many discounts as some competitors

Best insurer for military members: USAA

military members

User Reviews	4.9
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$56/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$108/mo

Driver Reviews

4.9

Best choiceBased on 3,426 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Showing 4 Indiana reviews for Indianapolis driversSee all 1,532 USAA reviews

Don

Verified Review

Good coverage and great customer service.

Reviewed in Indiana on December 30, 2025

My insurance is based on recommendations by USAA to cover my assets. I'm comfortable with my coverage even though it costs more than other insurance companies that cover less.

Lori

Verified Review

More expensive than others

Reviewed in Indiana on September 27, 2025

USAA's auto insurance is higher than other insurance.

Dianne

Verified Review

USAA is good for super good insurance, but it costs much more to receive 'benefits' I don't really need.

Reviewed in Indiana on July 19, 2025

USAA is good for super good insurance, but it costs much more to receive 'benefits' I don't really need.

Our Advice

JD Power726

NAIC Index1.31

A.M. BestA++

Why we picked this company

United Services Automobile Association (USAA) has been around since 1922, and it exclusively caters to active military members, veterans, and their families. USAA is known for car insurance, but it also offers many other insurance products, such as homeowners and life insurance. Its rates are known for being very affordable, and USAA is available in all 50 states.

Pros

Affordable rates for all drivers, including those with traffic violations
Savings of up to 30% possible via SafePilot program
Discounts for bundling, being a good student, enrolling in automatic payments, and more

Cons

Only available to active military members, veterans, and their families
Doesn’t offer gap insurance
24/7 customer phone support not available

Cheapest liability-only car insurance in Indianapolis: Auto-Owners

Liability-only car insurance protects you if you damage another person’s car or the other driver and passengers are hurt. If you’re injured or your own car is banged up, however, your insurance wouldn’t pay for those expenses. As such, liability-only insurance is generally the most affordable option.

In Indianapolis, drivers pay a monthly average of $78 for liability-only coverage. You can see a collection of insurance policies from several Indianapolis-area insurers below.

The below rates in Indianapolis, IN, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.

Insurance Company	Average Monthly Quote
Auto-Owners	$49
State Farm	$53
USAA	$56
Progressive	$58
GEICO	$59
First Chicago	$60
National General	$73
Direct Auto	$74
American Family	$77
First Acceptance	$83
The General	$83
Trexis	$84
Safeco	$87
Dairyland	$89
Trexis One	$89
Root	$90
AssuranceAmerica	$92
GAINSCO	$96
CSAA	$99
Liberty Mutual	$101
Elephant	$103
Mendota	$104
Travelers	$104
Bristol West	$108
Farmers	$109
Allstate	$124
Nationwide	$136
State Auto	$259

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

Cheapest full-coverage car insurance in Indianapolis: Auto-Owners

Full-coverage car insurance provides the same protections as a liability-only policy but also covers damage or medical expenses for you and your vehicle. Collision and comprehensive coverages can pay to repair or replace your vehicle, but you’ll have to meet your deductible amount before your insurance starts paying.

If you have a high-value car, or if you would find it expensive and difficult to replace or repair your car if it were wrecked, you may want to consider full coverage. If you lease or finance your car, your lender will probably require full coverage.

In Indianapolis, full coverage costs an average of $153 per month, but you might find better rates with the following insurers.

The below rates in Indianapolis, IN, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.

Insurance Company	Average Monthly Quote
Auto-Owners	$95
Progressive	$102
State Farm	$102
USAA	$108
GEICO	$113
Safeco	$129
Direct Auto	$141
Root	$149
American Family	$150
First Chicago	$151
Elephant	$160
CSAA	$169
Liberty Mutual	$173
National General	$174
AssuranceAmerica	$175
First Acceptance	$190
Travelers	$202
The General	$204
Farmers	$210
Bristol West	$214
Mendota	$215
Trexis	$215
Trexis One	$229
Allstate	$239
GAINSCO	$250
Nationwide	$264
Dairyland	$288
State Auto	$500

Recent Insurify quotes for Indianapolis, Indiana drivers

Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $70/mo for full coverage in Indianapolis and other Indiana cities.

Liability Only

*Quotes generated for Insurify users in and around Indianapolis, Indiana within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Full Coverage

Car insurance requirements in Indiana

To drive legally in Indiana, you need to have at least a liability-only car insurance policy covering bodily injuries and property damage.^[1] You’re also required to have uninsured and underinsured motorist coverage, though you’re allowed to reject this by putting it in writing (your insurer can explain how to do that).

Just keep in mind if you do, there’s a risk. If you’re in an accident and the other driver’s insurance won’t cover all the damages, you could end up paying for hospital or repair bills yourself because you rejected the uninsured motorist coverage.

The table below spells out the minimum requirements you’ll need to meet for your car insurance coverage. Again, you can inform your insurer that you reject the uninsured and underinsured coverage as long as you do so in writing.

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person/$50,000 per accident
Property damage liability	$25,000 per accident
Uninsured motorist bodily injury	$25,000/$50,000
Uninsured motorist property damage	$25,000
Underinsured motorist bodily injury	$50,000/$50,000

In addition to meeting the minimum-coverage requirements outlined above, you may also want to consider adding the following coverages:

Collision coverage

This pays for damage to your car caused by crashing into a car or object.

Comprehensive coverage

This pays claims for non-collision damage to your car. For example, if a tree branch falls on your car’s roof, comprehensive insurance would pay to repair it.

Medical payments coverage

Also known as MedPay, this coverage pays your medical bills related to an accident, regardless of who caused it.

Uninsured/underinsured motorist coverage

Nearly 16% of motorists in Indiana drive without insurance, according to the Insurance Institute for Highway Safety. If you get into a collision with one of them, your UI/UIM coverage can help bridge any financial gap between your actual costs and a payout from the other driver’s insurance company.

Cheapest car insurance for Indianapolis drivers with an incident

If you have an incident on the road — like a speeding ticket, at-fault accident, or a DUI — it can translate into higher premiums. Insurers can see one incident as the start of a bad pattern, and they may raise your premiums in case more expensive problems occur. The good news is that if you drive for a few years without an incident, insurers will usually lower your rates.

In the sections that follow, you’ll see how having an incident on your record can affect your auto rates in Indianapolis.

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Cheapest car insurance for drivers with a speeding ticket

Indianapolis may be famous for its Indy 500, but the police frown on motorists treating I-465 like their own Indianapolis Motor Speedway. If you’re caught speeding, your premiums may climb. In fact, the overall average cost of car insurance with a speeding ticket in Indianapolis is $163 per month.

Here’s a look at what you can expect to pay for auto insurance in Indianapolis with a speeding ticket on your record.

The below rates in Indianapolis, IN, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	$132	$68
State Farm	$138	$72
Progressive	$145	$82
USAA	$149	$77
GEICO	$157	$82
Safeco	$180	$121
Direct Auto	$189	$99
Elephant	$205	$132
American Family	$207	$106
Root	$211	$127
First Chicago	$214	$85
Liberty Mutual	$235	$137
CSAA	$235	$137
AssuranceAmerica	$237	$125
First Acceptance	$269	$118
Travelers	$279	$144
Farmers	$287	$149
Bristol West	$288	$145
The General	$290	$118
Mendota	$305	$147
Trexis	$305	$119
GAINSCO	$319	$123
Trexis One	$325	$126
Allstate	$331	$172
Nationwide	$364	$188
Dairyland	$382	$118
State Auto	$706	$366

Cheapest car insurance for drivers with an at-fault accident

You can expect at-fault accidents to push your car insurance rates higher. Indianapolis drivers with a ticket on their records pay a monthly average of $111 for liability-only insurance and $217 for full coverage.

Here’s a look at how an accident on your record could affect your auto rates in Indianapolis.

The below rates in Indianapolis, IN, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	$131	$68
State Farm	$141	$73
Progressive	$147	$84
USAA	$152	$79
GEICO	$155	$81
Safeco	$188	$127
Direct Auto	$201	$105
Root	$209	$126
American Family	$211	$108
First Chicago	$218	$87
Elephant	$219	$141
Liberty Mutual	$240	$140
AssuranceAmerica	$243	$128
CSAA	$264	$154
First Acceptance	$274	$120
Travelers	$285	$147
The General	$293	$119
Farmers	$293	$152
Bristol West	$295	$149
Mendota	$310	$150
Trexis	$310	$121
Trexis One	$330	$128
Allstate	$335	$174
GAINSCO	$336	$129
Nationwide	$372	$191
Dairyland	$398	$123
State Auto	$713	$370

Cheapest car insurance for drivers with a DUI

If you have a DUI on your record, you can expect your premiums to go way up. In some cases, your insurer may drop you altogether.

While Indianapolis drivers with clean motor vehicle records pay a monthly average of just $115, those with a DUI see an average of $170. The table below shows what you would pay, on average, for your insurance premiums in Indianapolis if you have a DUI on your record.

The below rates in Indianapolis, IN, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	$139	$71
State Farm	$149	$77
Progressive	$151	$86
USAA	$158	$82
GEICO	$163	$85
Safeco	$199	$134
Direct Auto	$206	$108
American Family	$219	$112
Root	$219	$132
First Chicago	$223	$89
Elephant	$233	$150
CSAA	$246	$144
Liberty Mutual	$252	$147
AssuranceAmerica	$255	$134
First Acceptance	$280	$122
The General	$287	$117
Travelers	$295	$152
Farmers	$306	$159
Bristol West	$312	$158
Mendota	$317	$153
Trexis	$317	$124
Trexis One	$338	$131
Allstate	$349	$181
GAINSCO	$365	$140
Nationwide	$385	$198
Dairyland	$420	$130
State Auto	$698	$362

Cheapest car insurance for Indianapolis seniors

Insurers calculate your insurance premiums by examining many different factors, including your age. Generally, senior drivers have the lowest rates of any age group, averaging $101 per month in Indianapolis.

But if you’re 75 or older, you can expect your premiums to begin to climb. This is because statistics show older drivers are involved in more accidents and suffer more severe injuries when an accident occurs. If you live in Indianapolis and are a senior, the table below shows what you may pay, on average, for your auto insurance premiums.

The below rates in Indianapolis, IN, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	$61	$31
State Farm	$63	$33
GEICO	$74	$39
USAA	$75	$39
Progressive	$83	$47
American Family	$97	$50
Direct Auto	$101	$53
Safeco	$103	$70
Root	$109	$66
Elephant	$116	$74
CSAA	$118	$69
AssuranceAmerica	$122	$64
First Chicago	$123	$49
Liberty Mutual	$124	$73
Travelers	$137	$70
Farmers	$137	$71
First Acceptance	$155	$68
Bristol West	$157	$79
The General	$158	$64
Nationwide	$160	$83
Allstate	$162	$84
Mendota	$176	$85
Trexis	$176	$69
Trexis One	$187	$73
GAINSCO	$200	$77
Dairyland	$227	$70
State Auto	$312	$162

Cheapest car insurance for Indianapolis teens

You may be a teenager who aced your driver’s test and is as safe a driver as they come, but insurers will still charge you higher premiums than older, more experienced drivers. Fortunately, teenagers have ways to offset the financial pain of high insurance rates.

For instance, insurers charge less when a teenage driver stays on their parents' policy as opposed to getting their own insurance policy. Driving a car that your insurer considers a safe model could also help your rates. And if maintain good grades and complete a driver safety course, you could qualify for a good student discount.

On average, teen drivers pay $160 per month for liability-only insurance in Indianapolis and $314 for a full-coverage policy. If you’re a teen driver living in Indianapolis, the table below shows what you’d pay, on average, for your insurance premiums.

The below rates in Indianapolis, IN, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	$205	$106
Progressive	$209	$119
State Farm	$210	$109
USAA	$213	$110
GEICO	$218	$114
Root	$277	$167
Safeco	$277	$187
Direct Auto	$291	$153
American Family	$302	$155
Elephant	$303	$195
First Chicago	$310	$123
Liberty Mutual	$324	$189
CSAA	$336	$197
AssuranceAmerica	$383	$201
First Acceptance	$390	$170
The General	$390	$159
Bristol West	$405	$204
Mendota	$441	$213
Trexis	$441	$172
Farmers	$445	$231
Travelers	$445	$229
Trexis One	$470	$183
GAINSCO	$479	$184
Allstate	$502	$260
Dairyland	$536	$166
Nationwide	$547	$282
State Auto	$1,276	$661

How to get the cheapest car insurance in Indianapolis

A number of factors go into determining the car insurance rates you’re offered, including your:

Age
Gender
Driving record
Location
Type of car
Amount of coverage
ZIP code

To increase your chances of obtaining the lowest quote possible, follow these strategies:

Compare quotes. Obtain quotes from several car insurance companies, and compare them against one another.
Increase your deductible. Raising your full-coverage deductible from, say, $250 to $1,000 typically lowers your car insurance costs because you’re taking on more of the up-front risk yourself. However, be sure to never set a deductible above what you can afford should you need to file a claim.
Bundle coverage. Your insurance company might provide a discount if you buy at least two policies, such as car insurance and homeowners insurance.
Explore discounts. You may be able to score a discount if you maintain a clean driving record or complete a defensive driving course. You can also inquire with your company to see if it has any discount agreements with certain insurers.

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Rates start as low as $49/mo. for liability coverage

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Indianapolis car insurance quotes by credit tier

Most states, including Indiana, allow insurers to consider credit history. Insurers have concluded that your credit history is a sign of how safe a driver you are. As such, if you have an excellent or good credit score, you’ll often enjoy far lower insurance premiums than a person with a poor credit score.

The table below shows how Indianapolis drivers’ insurance premiums are affected by credit scores.

Rates by Credit Tier

Category	Price
Excellent	$160
Good	$189
Fair	$207
Poor	$321

Is car insurance more expensive in Indianapolis?

While car insurance in Indianapolis is more expensive than in the rest of the state, it’s still cheaper than the national average. The U.S. national car insurance average for liability-only coverage is $170 a month, and full coverage is $253. In Indianapolis, the average rate is $78 for liability-only coverage and $153 for full coverage.

More cities in Indiana

How does car insurance in Indianapolis stack up against other cities across the state? The table below gives you an idea.

City	Average Monthly Quote: Full Coverage	Average Monthly Quote: Liability Only
Elkhart	$110	$60
Evansville	$131	$71
Fort Wayne	$134	$73
Lafayette	$122	$62
South Bend	$126	$64

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

Indianapolis car insurance FAQs

Looking for more information on car insurance in Indianapolis? The answers below can help you find the best rates in the Circle City.

How much is car insurance in Indianapolis?
In Indianapolis, the average rate is $78 for liability-only coverage and $153 for full coverage. This makes Indianapolis the most expensive city in Indiana, according to Insurify data. However, these rates fall below the national averages.
Which company has the cheapest car insurance rates in Indianapolis?
Indianapolis drivers will find the lowest rates with Auto-Owners, which averages $49 per month for liability coverage and $95 for full-coverage car insurance. State Farm and USAA also offer cheap liability insurance, averaging $53 and $56 per month, respectively.
What are the best car insurance companies in Indianapolis?
Auto-Owners, State Farm, and USAA rank as the top insurers in Indiana. In addition to providing low rates, each insurer has a high Insurify Quality (IQ) Score. All three firms also have commendable scores for financial stability.
What does car insurance in Indianapolis typically cover?
Liability-only coverage in Indiana must meet the state’s minimum requirements of $25,000 per person and $50,000 per accident in bodily injury liability and uninsured motorist bodily injury, $25,000 per accident in property damage liability and uninsured motorist property damage, and $50,000 in underinsured motorist bodily injury. But you can add on to these coverages with full coverage or other insurance add-ons.

Sources

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

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

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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By Sarah Sharkey|April 17, 2026

Car Insurance Requirements in Indiana

Indiana drivers need $25,000 in bodily injury coverage per person ($50,000 per accident) and $25,000 in property damage insurance.

By Michelle Lambright Black|April 16, 2026

Average Car Insurance Cost in Indiana

Drivers in Indiana pay an average of $98 per month for car insurance.

By Erin Gobler|April 13, 2026

Cheap SR-22 Insurance in Indiana From $61

The average cost of SR-22 car insurance for drivers with a DUI in Indiana is $97 per month for liability insurance and $190 for full coverage.

By Elizabeth Rivelli|April 13, 2026

Indiana Car Insurance Laws

Every newly written liability policy in Indiana must include uninsured (UM) and underinsured motorist (UIM) coverage. It’s possible to decline UM/UIM coverage, but you must do so in writing.

By Jessica Martel|March 26, 2026

Cheapest Car Insurance Quotes in Indiana

Auto-Owners offers the cheapest car insurance in Indiana, with an average rate of $42 per month. Get instant quotes from top companies in Indiana and buy your policy online with zero sales calls.

By Amy Beardsley|April 17, 2026