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Why Compare Car Insurance Rates in Indiana:

  • On average, people who compare rates save about $970 a year on car insurance
  • Way.com is an insurance power broker agency with over 200+ partners
  • We don’t sell your information to spammers.

The state of Indiana is ranked as one of the safest states to drive in the United States. The accident rates are on the lower side, putting the Indiana auto insurance premium in the inexpensive category. The average car insurance cost in Indiana is lower than the national average.

Just because car accident occurrences are rare does not mean that you would not need car insurance. Of course, you don't want to drain your bank account to get yourself car insurance. Shopping for the cheapest car insurance in Indiana can be frustrating and time-consuming due to the many options available. Always remember cheap car insurance in Indiana does not equal to best car insurance in Indiana.

Indiana's drivers currently pay only $354 a year to cover minimum and $1281 to cover full coverage, well below their country-wide average insurance premium at $567 for minimum and $1746 for full coverage.

If you want to access free car insurance quotes in Indiana you can get it online through Way.com or through an insurance agent who is well versed with the nitty-gritty of car insurance in Indiana.


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Minimum Required Auto Insurance Coverage in Indiana

As part of your Indiana car insurance policy, you must have the following car insurance coverage types and limits at the minimum:

Coverage type Coverage amount required
Bodily injury liability $25000 per person and $50000 per accident
Property damage liability $25000 per accident
Uninsured motorist bodily injury $25000 per person and $50000 per accident
Uninsured motorist property damage $25000 per accident
Underinsured motorist bodily injury $50000 per person and $50000 per accident

Cheapest Car Insurance in Indiana for Minimum Required Coverage

When it comes to obtaining the best auto insurance in Indiana, drivers have a lot of alternatives. Way.com collected current price quotes from Indiana insurance companies for the year 2022. We found which companies provided the most affordable coverage while still providing a wide range of coverage options and maintaining high financial stability and customer satisfaction scores.

COMPANY AVERAGE ANNUAL RATE
USAA $569
State Farm $799
Progressive $811
Travelers $1,031
Auto Owners $1033
Statewide Average $1,037
American Family Insurance $1,199
Indiana Farm Bureau $1,235
Nationwide $1,262
Farmers $1,318
Allstate $1,465

Do I Need More Than the Minimum Required State Coverage in Indiana?

Minimum coverage limitations can help you save money on your insurance premiums, but insurance experts recommend higher liability limits or even full coverage if you can afford it. If you cause an accident, the minimum liability limits are sometimes insufficient to pay all damages, and this could result in significant out-of-pocket payments.

Furthermore, minimum coverage does not protect your car; you must buy a comprehensive collision policy to get that coverage. Your lender will almost certainly need you to carry full coverage auto insurance if you have a loan or lease.

Indiana Car Insurance Laws

To be considered a licensed driver, nearly every state requires some form of car insurance coverage. These minimums are known as limits since they represent the maximum amount that car insurance will pay out in a claim. However, most firms provide higher coverage amounts.

Indiana Auto Insurance Requirements

The coverage limits are set by each state and are usually divided into three figures, which are referred to as split limits. This is written as 25/50/25 in Indiana. The first two numbers refer to per-person and per-accident physical injury coverage, respectively, while the last number refers to property damage coverage.

The bodily injury coverage per person limit is the highest amount an insurer will pay for a single individual injured in a car accident.

Suppose more than one person is injured in an accident. In that case, the bodily injury coverage per accident is the maximum monetary amount paid for all injuries caused by you.

The maximum cash amount that insurance will pay for damage caused by you in an accident is the property damage per accident limit.

Indiana PIP Requirements

In Indiana, personal injury protection (PIP) is not needed. In Indiana, PIP isn't even available. Instead of PIP insurance, Indiana insurers offer medical payments insurance (often known as MedPay), covering hospital expenditures incurred due to a car accident.

MedPay and PIP insurance are similar in that they both cover your medical expenditures even if you cause a car accident. MedPay, on the other hand, is less comprehensive than personal injury protection, with no provisions for lost pay or assistance with household chores that you are unable to perform owing to your injury.

In no-fault states, personal injury protection is a type of car insurance that covers medical expenses regardless of who caused the collision.

Indiana is an at-fault state, which means that following a collision, at least one driver is determined to be "at blame."

The average cost of insurance in Indiana – $1077 – is relatively inexpensive compared to most PIP states and other non-PIP states, thanks partly to variances in car insurance rules.

See what you could save on auto insurance

Auto Insurance Coverage Types

To be a legal driver in Indiana, you only need liability insurance. On the other hand, most insurance companies offer several auto insurance coverage options to provide further protection.

Proof of Auto Insurance in Indiana

Motorists in Indiana are obliged to get car insurance to be considered legal drivers. Proof of insurance must be carried at all times when driving and produced to law enforcement officers upon request.

In Indiana, if you are caught driving without the required insurance coverage, you can expect the following penalties:

  • License suspension might last anywhere from 30 days to a year.
  • Fees of at least $250 for reinstatement
  • Filing of an SR-22 is a possibility.

Average Cost of Auto Insurance Companies in Indiana

Due to its low population density and competitive insurance market, Indiana is one of the most affordable states in the US for car insurance. Drivers in Indiana may expect to pay an average of $378 for minimal coverage and $1269 for full coverage per year.

These typical prices are less expensive than the national average for vehicle insurance, which is $573 for minimal coverage and $1683 for full coverage each year. Indiana's low insurance costs could be attributed to the state's declining number of licensed drivers.

Annual premium for minimum coverage Annual premium for full coverage in Indiana
$378 $1269

Car accidents in cars are never planned, and this is precisely why having car insurance is so critical. Not having the correct coverage — or high enough limits — can cost you a lot of money in addition to fines. When you can afford it, it's always a good idea to raise your limits or buy more coverage. Comparing quotes is the most effective way to find the car insurance you require.

Indiana, home of the Indianapolis 500, has a long history of celebrating cars. Even if you don't drive an Indy racing car, you'll still need Indiana auto insurance. When it comes to Indiana auto insurance, there are a lot of coverage alternatives to think about. You may begin your online car insurance quotation at any time.

Way.com can assist you in comparing rates from several top insurance companies to obtain coverage that protects you and your valuables.

Cheapest car insurance quotes for Indiana drivers

If a good driver gets auto insurance from USAA, they'll pay 46% less than the state average. Allstate has the most expensive car insurance for good drivers in Indiana, charging 41 percent more than the state average.

COMPANY AVERAGE ANNUAL RATE
USAA $590
State Farm $840
Progressive $841
Travelers $1,074
Statewide Average $1,078
American Family Insurance $1,216
Indiana Farm Bureau $1,291
Nationwide $1,313
Farmers $1,367
Allstate $1,513

Cheap car insurance in Indiana for young Indiana drivers

In Indiana, the average annual cost of affordable auto insurance for 18-year-old drivers is $3,534. USAA has the best rates for young drivers in Indiana, with an average yearly cost of $2,112 for minimal coverage, which is more than $1,412 less than the state average. State-Farm, which costs $2,290 each year, is another low-cost choice.

Young drivers' car insurance is often more expensive than older drivers' since they have less driving experience. Younger drivers' full coverage auto insurance costs an average of $3162 per year, which is 135 percent more than 30-year-olds.

COMPANY 18-YEAR-OLD FEMALE 18-YEAR-OLD MALE
Allstate $4,319 $5,423
American Family Insurance $4,222 $4,524
Farmers $5,807 $6,286
Indiana Farm Bureau $3,437 $4,852
Nationwide $5,016 $5,949
Progressive $3,020 $3,341
State Farm $2,290 $2,878
Travelers $3,659 $4,545
USAA $1,461 $1,625
Statewide Average $3,534 $4,159

Cheap car insurance for Indiana drivers with a speeding ticket

Slowing down can help you save a little or a lot of money. A speeder may expect to pay $735 more per year for auto insurance than a driver with a clean driving record in Indiana. After a speeding violation, State Farm raises its rates by only approximately $68 per year, but Farmers Insurance's average rate increases by $471.

COMPANY AVERAGE ANNUAL RATE
USAA $735
State Farm $898
Erie $1,005
Progressive $1,291
Statewide Average $1,377
Travelers $1,406
American Family Insurance $1,489
Indiana Farm Bureau $1,535
Nationwide $1,617
Farmers $1,828
Allstate $1,924

Cheap auto insurance for Indiana drivers after a car accident

Compared to the average Indiana premium for drivers with a clean record, your insurance rate with Indiana's most expensive insurer, Allstate, can spike by 119% if you've been in an accident. When compared to USAA-insured drivers with a clean driving record, your car insurance rate will increase by $278 on average.

You will, however, pay roughly 20% less than the general average premium for Indiana citizens with a clean driving record.

COMPANY AVERAGE ANNUAL RATE
USAA $878
State Farm $1,136
Auto owners $1,383
Travelers $1,486
American Family Insurance $1,569
Statewide Average $1,649
Progressive $1,686
Indiana Farm Bureau $1,929
Farmers $2,078
Nationwide $2,101
Allstate $2,354

Cheap car insurance quotes for Indiana drivers with a DUI

Driving while intoxicated is a huge public health risk, and it also harms your car insurance costs. For Indiana drivers with a DUI, Auto Owners hikes their rates by 98% on average. After a DUI, the cheapest insurer, USAA, raises its average vehicle insurance rate by 57%.

COMPANY AVERAGE ANNUAL RATE
USAA $923
Progressive $1,053
State Farm $1,282
Erie $1,303
American Family Insurance $1,499
Travelers $1,616
Statewide Average $1,686
Allstate $1,947
Farmers $2,021
Indiana Farm Bureau $2,301
Nationwide $2,593
Auto Owners $2,609

Cheap car insurance for married Indiana drivers

In Indiana, USAA offers the lowest average rates for married drivers, followed by State Farm and Auto Owners. Progressive provides the highest discount of any company, at 16%. Compared to single or unmarried drivers, married drivers can save money on their auto insurance costs. Compared to single drivers, married drivers can save an average of $38 per year.

Company Monthly rate
USAA $701
State Farm $953
Auto-Owners $1073
Progressive $1337
American Family $1457
Allstate $2261

Cheap full coverage car insurance quotes for young drivers with an accident history

Auto-Owners offers the most affordable car insurance for 18-year-olds who have been in an accident, at $1431 per year. Accidents almost usually result in a considerable increase in the cost of auto insurance, which means that rates for younger drivers who have been in an at-fault collision can be many times more than for other drivers.

Company Average Annual Rate
Auto-Owners $1431
Allstate $1521
State Farm $1638
American Family $2982

Compare car insurance rates in top Cities

The city of Gary has the most expensive car insurance premium in the state of Indiana. This is because Gary is just 25 miles from Chicago city center. That makes the roads between Gary and Chicago busy. The average insurance rate in Gary is $1318.

The cheapest car insurance in Gary, Indiana is Progressive that provides rates at $32 per month.

CityAnnual Rate
Aberdeen$1,409
Advance$1,301
Akron$1,337
Alamo$1,289
Albany$1,241
Albion$1,301
Alexandria$1,265
Altona$1,265
Ambia$1,277
Amboy$1,241
Americus$1,229
Amo$1,385
Anderson$1,301
Andrews$1,265
Angola$1,289
Arcadia$1,301
Arcola$1,313
Argos$1,313
Arlington$1,289
Ashley$1,301
Athens$1,337
Atlanta$1,277
Attica$1,277
Atwood$1,277
Auburn$1,265
Aurora$1,421
Austin$1,445
Avilla$1,277
Avoca$1,397
Avon$1,337
Bainbridge$1,361
Bargersville$1,337
Bass Lake$1,409
Batesville$1,361
Bath$1,337
Battle Ground$1,253
Bedford$1,409
Beech Grove$1,445
Bellmore$1,493
Bennington$1,457
Bentonville$1,313
Berne$1,205
Bethlehem$1,469
Beverly Shores$1,445
Bicknell$1,373
Bippus$1,265
Birdseye$1,301
Blanford$1,349
Bloomfield$1,397
Bloomingdale$1,361
Bloomington$1,313
Bluffton$1,229
Boggstown$1,325
Boone Grove$1,433
Boonville$1,397
Borden$1,469
Boswell$1,289
Bourbon$1,325
Bowling Green$1,409
Bradford$1,469
Branchville$1,361
Brazil$1,409
Bremen$1,313
Bridgeton$1,349
Bright$1,409
Brimfield$1,289
Bringhurst$1,301
Bristol$1,277
Bristow$1,349
Brook$1,373
Brooklyn$1,313
Brookston$1,325
Brookville$1,409
Brownsburg$1,313
Brownstown$1,397
Brownsville$1,277
Bruceville$1,373
Bryant$1,217
Buckskin$1,373
Buffalo$1,349
Bunker Hill$1,253
Burket$1,277
Burlington$1,313
Burnettsville$1,373
Burns Harbor$1,409
Burrows$1,325
Butler$1,289
Butlerville$1,385
Cambridge City$1,253
Camby$1,457
Camden$1,325
Campbellsburg$1,469
Canaan$1,445
Cannelburg$1,349
Cannelton$1,361
Carbon$1,421
Carlisle$1,445
Carmel$1,289
Carthage$1,313
Cayuga$1,373
Cedar Grove$1,385
Cedar Lake$1,481
Celestine$1,277
Centerpoint$1,409
Centerville$1,265
Central$1,481
Chalmers$1,349
Chandler$1,397
Charlestown$1,445
Charlottesville$1,325
Chesterfield$1,277
Chesterton$1,409
Chrisney$1,385
Churubusco$1,277
Cicero$1,301
Clarks Hill$1,265
Clarksburg$1,325
Clarksville$1,445
Clay City$1,421
Claypool$1,289
Clayton$1,301
Clear Lake$1,301
Clermont$1,457
Clifford$1,277
Clinton$1,361
Coal City$1,433
Coalmont$1,433
Coatesville$1,373
Colfax$1,265
Columbia City$1,241
Columbus$1,277
Commiskey$1,397
Connersville$1,289
Converse$1,277
Cordry Sweetwater Lakes$1,409
Cortland$1,373
Corunna$1,277
Cory$1,397
Corydon$1,481
Country Club Heights$1,289
Country Squire Lakes$1,397
Covington$1,301
Craigville$1,229
Crandall$1,481
Crane$1,385
Crane Naval Depot$1,385
Crawfordsville$1,253
Cromwell$1,301
Cross Plains$1,397
Crothersville$1,373
Crown Point$1,481
Culver$1,349
Cumberland$1,481
Cutler$1,313
Cynthiana$1,421
Dale$1,349
Daleville$1,241
Dana$1,385
Danville$1,301
Darlington$1,241
Dayton$1,241
De Motte$1,433
Decatur$1,217
Decker$1,361
Deedsville$1,325
Delong$1,361
Delphi$1,325
Denver$1,289
Depauw$1,481
Deputy$1,433
Derby$1,361
Dillsboro$1,421
Donaldson$1,349
Dublin$1,277
Dubois$1,289
Dugger$1,409
Dunkirk$1,241
Dunlap$1,277
Dunreith$1,289
Dupont$1,433
Dyer$1,493
Earl Park$1,265
East Chicago$1,949
East Enterprise$1,445
Eaton$1,241
Eckerty$1,445
Economy$1,253
Edgewood$1,289
Edinburgh$1,325
Edwardsport$1,373
Elberfeld$1,361
Elizabeth$1,469
Elizabethtown$1,289
Elkhart$1,289
Ellettsville$1,361
Elnora$1,385
Elwood$1,265
Eminence$1,409
English$1,457
Etna Green$1,277
Evanston$1,337
Evansville$1,409
Fair Oaks$1,409
Fairland$1,337
Fairmount$1,289
Fairview Park$1,361
Falmouth$1,313
Farmersburg$1,433
Farmland$1,229
Fillmore$1,361
Finly$1,337
Fish Lake$1,361
Fishers$1,325
Flat Rock$1,277
Flora$1,301
Florence$1,457
Floyds Knobs$1,457
Fontanet$1,409
Fort Branch$1,385
Fort Wayne$1,337
Fortville$1,337
Fountain City$1,265
Fountaintown$1,337
Fowler$1,289
Fowlerton$1,301
Francesville$1,349
Francisco$1,361
Frankfort$1,253
Franklin$1,313
Frankton$1,277
Fredericksburg$1,481
Freedom$1,385
Freelandville$1,385
Freetown$1,409
Fremont$1,301
French Lick$1,409
Friendship$1,373
Fulda$1,373
Fulton$1,349
Galveston$1,301
Garrett$1,277
Gary$1,961
Gas City$1,265
Gaston$1,229
Geneva$1,217
Gentryville$1,349
Georgetown$1,481
Glenwood$1,277
Goldsmith$1,265
Goodland$1,373
Goshen$1,277
Gosport$1,373
Grabill$1,289
Grammer$1,313
Grandview$1,373
Granger$1,301
Grantsburg$1,457
Grass Creek$1,361
Graysville$1,409
Greencastle$1,349
Greendale$1,409
Greenfield$1,301
Greens Fork$1,301
Greensburg$1,301
Greentown$1,313
Greenwood$1,337
Griffin$1,409
Griffith$1,553
Grissom AFB$1,277
Grovertown$1,373
Guilford$1,421
Gwynneville$1,325
Hagerstown$1,265
Hamilton$1,313
Hamlet$1,385
Hammond$1,805
Hanna$1,397
Hanover$1,421
Hardinsburg$1,469
Harlan$1,289
Harrodsburg$1,301
Hartford City$1,229
Hartsville$1,253
Hatfield$1,397
Haubstadt$1,385
Hayden$1,385
Hazleton$1,361
Hebron$1,457
Helmsburg$1,433
Heltonville$1,409
Hemlock$1,325
Henryville$1,469
Heritage Lake$1,385
Hidden Valley$1,409
Highland$1,457
Hillsboro$1,313
Hillsdale$1,409
Hoagland$1,277
Hobart$1,505
Hobbs$1,277
Holland$1,301
Holton$1,373
Homecroft$1,493
Homer$1,301
Hope$1,253
Howe$1,325
Hudson$1,301
Hudson Lake$1,349
Huntertown$1,289
Huntingburg$1,289
Huntington$1,229
Huron$1,397
Hymera$1,385
Idaville$1,349
Indian Heights$1,301
Indianapolis$1,493
Ingalls$1,349
Inglefield$1,397
Ireland$1,289
Jamestown$1,277
Jasonville$1,409
Jasper$1,277
Jeffersonville$1,481
Jonesboro$1,289
Jonesville$1,277
Kempton$1,265
Kendallville$1,277
Kennard$1,301
Kentland$1,349
Kewanna$1,349
Keystone$1,229
Kimmell$1,313
Kingman$1,337
Kingsbury$1,409
Kingsford Heights$1,397
Knightstown$1,265
Knightsville$1,409
Knox$1,409
Kokomo$1,301
Koleen$1,541
Koontz Lake$1,361
Kouts$1,421
Kurtz$1,385
La Crosse$1,397
La Fontaine$1,241
La Paz$1,349
La Porte$1,421
Laconia$1,481
Ladoga$1,265
Lafayette$1,229
Lagrange$1,301
Lake Cicott$1,289
Lake Dalecarlia$1,433
Lake Santee$1,301
Lake Station$1,721
Lake Village$1,445
Lakes Of The Four Seasons$1,481
Laketon$1,277
Lakeville$1,337
Lamar$1,337
Landess$1,301
Lanesville$1,457
Laotto$1,289
Lapel$1,313
Larwill$1,289
Lawrence$1,517
Lawrenceburg$1,409
Leavenworth$1,469
Lebanon$1,241
Leesburg$1,277
Leiters Ford$1,349
Leo$1,301
Leo-Cedarville$1,289
Leopold$1,361
Leroy$1,469
Lewis$1,433
Lewisville$1,253
Liberty$1,289
Liberty Center$1,265
Liberty Mills$1,289
Ligonier$1,289
Lincoln City$1,349
Linden$1,253
Linn Grove$1,253
Linton$1,385
Lizton$1,301
Logansport$1,289
Long Beach$1,421
Loogootee$1,361
Losantville$1,241
Lowell$1,433
Lucerne$1,301
Lynn$1,217
Lynnville$1,373
Lyons$1,385
Mackey$1,385
Macy$1,325
Madison$1,433
Manilla$1,265
Marengo$1,469
Mariah Hill$1,349
Marion$1,289
Markle$1,241
Markleville$1,325
Marshall$1,373
Martinsville$1,373
Marysville$1,469
Matthews$1,265
Mauckport$1,481
Maxwell$1,325
Mays$1,301
McCordsville$1,349
Mecca$1,385
Medaryville$1,373
Medora$1,409
Mellott$1,325
Melody Hill$1,409
Memphis$1,457
Mentone$1,289
Meridian Hills$1,433
Merom$1,409
Merrillville$1,517
Metamora$1,349
Mexico$1,265
Miami$1,301
Michiana Shores$1,421
Michigan City$1,433
Michigantown$1,265
Middlebury$1,301
Middletown$1,277
Midland$1,421
Milan$1,397
Milford$1,277
Mill Creek$1,349
Millersburg$1,313
Millhousen$1,493
Milltown$1,457
Milroy$1,289
Milton$1,265
Mishawaka$1,313
Mitchell$1,409
Modoc$1,229
Mongo$1,313
Monon$1,337
Monroe$1,217
Monroe City$1,373
Monroeville$1,277
Monrovia$1,361
Monterey$1,361
Montezuma$1,397
Montgomery$1,373
Monticello$1,337
Montmorenci$1,241
Montpelier$1,241
Mooreland$1,265
Moores Hill$1,433
Mooresville$1,301
Morgantown$1,373
Morocco$1,397
Morris$1,361
Morristown$1,325
Mount Auburn$1,253
Mount Ayr$1,409
Mount Saint Francis$1,457
Mount Summit$1,277
Mount Vernon$1,409
Mulberry$1,265
Muncie$1,229
Munster$1,553
Muscatatuck$1,385
Nabb$1,469
Napoleon$1,361
Nappanee$1,301
Nashville$1,457
Nebraska$1,385
Needham$1,313
New Albany$1,433
New Carlisle$1,337
New Castle$1,265
New Chicago$1,625
New Goshen$1,385
New Harmony$1,409
New Haven$1,313
New Lisbon$1,289
New Market$1,313
New Middletown$1,457
New Palestine$1,349
New Paris$1,301
New Point$1,325
New Richmond$1,265
New Ross$1,241
New Salisbury$1,493
New Trenton$1,373
New Washington$1,481
New Waverly$1,289
New Whiteland$1,325
Newberry$1,397
Newburgh$1,397
Newport$1,361
Newtown$1,313
Noblesville$1,289
Nora$1,325
Norman$1,397
North Judson$1,385
North Liberty$1,337
North Manchester$1,277
North Salem$1,361
North Terre Haute$1,397
North Vernon$1,397
North Webster$1,289
Norway$1,337
Notre Dame$1,337
Oakford$1,325
Oakland City$1,349
Oaktown$1,385
Oakville$1,289
Odon$1,373
Ogden Dunes$1,433
Oldenburg$1,325
Onward$1,325
Oolitic$1,397
Ora$1,385
Orestes$1,277
Orland$1,313
Orleans$1,421
Osceola$1,301
Osgood$1,361
Ossian$1,253
Otisco$1,493
Otterbein$1,277
Otwell$1,301
Owensburg$1,409
Owensville$1,385
Oxford$1,301
Palmyra$1,481
Paoli$1,433
Paragon$1,445
Paris Crossing$1,385
Parker City$1,217
Patoka$1,373
Patricksburg$1,409
Patriot$1,457
Paxton$1,421
Pekin$1,505
Pendleton$1,325
Pennville$1,241
Perrysville$1,349
Peru$1,277
Petersburg$1,313
Petroleum$1,253
Pierceton$1,277
Pierceville$1,385
Pimento$1,433
Pine Village$1,289
Pittsboro$1,313
Plainfield$1,349
Plainville$1,385
Pleasant Lake$1,289
Pleasant Mills$1,241
Plymouth$1,337
Point Isabel$1,289
Poland$1,409
Poneto$1,217
Portage$1,421
Porter$1,409
Portland$1,241
Poseyville$1,421
Princes Lakes$1,397
Princeton$1,373
Purdue University$1,217
Putnamville$1,349
Quincy$1,433
Ragsdale$1,373
Ramsey$1,469
Redkey$1,265
Reelsville$1,361
Remington$1,373
Rensselaer$1,373
Reynolds$1,361
Richland$1,385
Richmond$1,241
Ridgeville$1,229
Rising Sun$1,433
Roachdale$1,325
Roann$1,289
Roanoke$1,265
Rochester$1,313
Rockfield$1,337
Rockport$1,385
Rockville$1,373
Rocky Ripple$1,601
Rolling Prairie$1,409
Rome$1,349
Rome City$1,301
Romney$1,241
Rosedale$1,385
Roseland$1,325
Roselawn$1,421
Rossville$1,277
Royal Center$1,337
Rushville$1,265
Russellville$1,385
Russiaville$1,313
Saint Anthony$1,289
Saint Croix$1,385
Saint Joe$1,289
Saint Meinrad$1,349
Saint Paul$1,301
Salamonia$1,253
Salem$1,469
Salt Creek Commons$1,409
San Pierre$1,373
Sandborn$1,397
Santa Claus$1,337
Saratoga$1,217
Schererville$1,493
Schneider$1,445
Schnellville$1,289
Scipio$1,349
Scotland$1,397
Scottsburg$1,469
Sedalia$1,289
Seelyville$1,397
Sellersburg$1,445
Selma$1,241
Servia$1,289
Seymour$1,373
Shadeland$1,229
Sharpsville$1,289
Shelburn$1,409
Shelbyville$1,277
Shepardsville$1,385
Sheridan$1,277
Shipshewana$1,313
Shirley$1,313
Shoals$1,397
Shorewood Forest$1,421
Silver Lake$1,277
Simonton Lake$1,277
Smithville$1,361
Smithville-Sanders$1,325
Solsberry$1,397
Somerset$1,277
Somerville$1,385
South Bend$1,349
South Haven$1,409
South Milford$1,325
South Whitley$1,265
Southport$1,493
Speedway$1,505
Spencer$1,397
Spencerville$1,289
Spiceland$1,241
Springport$1,277
Springville$1,409
Spurgeon$1,349
St. Bernice$1,361
St. John$1,493
St. Mary of the Woods$1,421
Stanford$1,349
Star City$1,349
State Line$1,301
Staunton$1,409
Stendal$1,325
Stilesville$1,385
Stinesville$1,361
Stockwell$1,229
Straughn$1,253
Stroh$1,325
Sullivan$1,397
Sulphur$1,457
Sulphur Springs$1,301
Sumava Resorts$1,421
Summitville$1,301
Sunman$1,397
Swayzee$1,301
Sweetser$1,289
Switz City$1,373
Syracuse$1,265
Talbot$1,445
Taswell$1,445
Taylorsville$1,277
Tefft$1,385
Tell City$1,349
Templeton$1,313
Tennyson$1,385
Terre Haute$1,409
Thayer$1,409
Thorntown$1,289
Tipton$1,241
Topeka$1,301
Town of Pines$1,457
Trafalgar$1,373
Trail Creek$1,421
Tri-Lakes$1,241
Troy$1,337
Tunnelton$1,373
Twelve Mile$1,301
Tyner$1,349
Underwood$1,493
Union City$1,229
Union Mills$1,409
Uniondale$1,229
Unionville$1,361
Universal$1,337
Upland$1,265
Urbana$1,265
Utica$1,469
Vallonia$1,421
Valparaiso$1,397
Van Buren$1,289
Veedersburg$1,325
Velpen$1,325
Versailles$1,385
Vevay$1,469
Vincennes$1,349
Wabash$1,277
Wadesville$1,421
Wakarusa$1,313
Waldron$1,265
Walkerton$1,349
Wallace$1,325
Walton$1,301
Wanatah$1,397
Warren$1,241
Warren Park$1,517
Warsaw$1,241
Washington$1,361
Waterloo$1,277
Waveland$1,301
Wawaka$1,289
Waynetown$1,265
Webster$1,265
West Baden Springs$1,421
West College Corner$1,349
West Harrison$1,421
West Lafayette$1,229
West Lebanon$1,289
West Middleton$1,337
West Newton$1,481
West Terre Haute$1,421
Westfield$1,289
Westphalia$1,397
Westpoint$1,241
Westport$1,361
Westville$1,421
Wheatfield$1,397
Wheatland$1,373
Wheeler$1,601
Whiteland$1,325
Whitestown$1,277
Whiting$1,781
Wilkinson$1,313
Williams$1,421
Williams Creek$1,433
Williamsburg$1,265
Williamsport$1,301
Winamac$1,337
Winchester$1,217
Windfall$1,265
Winfield$1,493
Wingate$1,277
Winona Lake$1,253
Winslow$1,325
Wolcott$1,349
Wolcottville$1,313
Wolflake$1,313
Woodburn$1,265
Worthington$1,385
Wyatt$1,373
Yeoman$1,349
Yoder$1,265
Yorktown$1,253
Young America$1,301
Zanesville$1,289
Zionsville$1313

Cheap auto insurance in Indiana with bad credit

Company Avg. Annual Premium
Auto-Owners Insurance Co $1,686
USAA $1,756
Farmers $2,208
Progressive $2,485
State Farm $2,567
Allstate $3,171

Indiana auto insurance rate by violation.

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,276 1% $10
One Med/PIP claim $1,279 1% $13
Not-at-fault accident $1,359 7% $83
Two Med/PIP claims $1,374 8% $99
One comp claim $1,371 9% $106
Two comp claims $1,459 15% $193
Failure to show documents $1,501 19% $235
Failure to wear a seat belt $1,502 19% $237
Child safety restraint $1,531 21% $265
Driving without lights $1,531 21% $265
Driving with expired registration $1,536 22% $271
Cell phone violation $1,588 26% $322
Speeding 6 - 10 MPH over limit $1,591 26% $326
Texting while driving $1,595 26% $329
Driving too slowly $1,596 26% $330
Speeding in school zone $1,596 26% $330
Speeding 11 - 15 MPH over limit $1,601 27% $336
Illegal turn $1,609 27% $344
Following too closely $1,612 27% $346
Failure to yield $1,612 28% $346
Failure to stop at a red light $1,614 28% $349
Wrong way/wrong lane $1,616 28% $350
Speeding 16 - 20 MPH over limit $1,620 28% $355
Improper passing $1,621 28% $355
At-fault accident - less than $1000 $1,636 29% $370
Passing school bus $1,676 33% $410
Speeding 21 - 25 MPH over limit $1,759 39% $493
In 65 MPH zone $1,831 45% $565
At-fault accident - $1000-$2000 $1,854 45% $568
At-fault accident - greater than $2000 $1,862 47% $597
Open container $1,991 58% $725
Operating a vehicle without permission $2,011 59% $746
Racing $2,397 90% $1,131
Reckless driving $2,398 90% $1,132
Refusal to submit to a chemical test $2,403 90% $1,137
DUI $2,437 93% $1,171
Driving with a suspended license $2,470 95% $1,204
Leaving scene of an accident/hit and run $2,508 98% $1,242

Car insurance price trends in Indiana

Year Avg. Annual Premium — Indiana Yearly Change — Indiana Avg. Annual Premium — US Yearly Change — US
2021 $1,271 $83 $1,539 $56
2020 $1,198 $37 $1,493 -$51
2019 $1,171 -$17 $1,554 $33
2018 $1,198 $87 $1,531 $94
2017 $1,121 $102 $1,447 $79
2016 $1,029 $64 $1,378 $98
2015 $975 $68 $1,290 $61
2014 $917 $43 $1,239 $44
2013 $884 $77 $1,205 -$90
2012 $817 -$106 $1,286 $92

See what you could save on auto insurance

How to find the best car insurance in Indiana

When shopping for the lowest insurance in Indiana, getting quotes from various businesses can be quite beneficial. To determine how much you will pay for insurance, each business considers several criteria. Driving history, location, car type, and marital status are examples of such factors. Each organization, however, assesses the relevance of each aspect differently.

As a result, certain factors may be less essential to one employer than another, such as your marital status. This is why it is critical to shop around and obtain prices from various firms.

Comparing discounts can also help you determine if a firm is a good fit for you. Each company has its own set of discounts. You might be able to lower your premium if you can find a business that offers a variety of discounts. Most companies publish discounts on their websites, but you may also phone an agent to find the reductions you could be eligible for.

There are additional ways to save besides carefully selecting your company and discounts. If you've decided to buy comprehensive or collision insurance, you can raise the deductibles on these policies. If you submit a claim, your deductible is the amount you will pay out of pocket. The bigger your deductible, the lower your premium will be.

However, make sure to get an estimate from your agent before making this adjustment, as it may not save you any money.

Also, make sure you select a deductible that you can afford to pay if you need to file a claim. Increasing your credit score, maintaining a clean driving record, and driving a low-cost vehicle can all help you keep your premium low.

Reasons Why Auto Insurance Costs More in Indiana

Indianapolis drivers appear to pay more than the remainder of the state for car insurance. Fortunately, you can find low-cost car insurance in Indy if you shop around and compare quotes. We examined all the leading car insurance companies in Indianapolis and found that Cincinnati gives the lowest rates, averaging $720 a year. Other low-cost options are Progressive and Erie.

It depends on what you're seeking in a business to find the top-class car insurance provider in Indianapolis. Cincinnati is your best bet if costs are a priority. On the other hand, Progressive might be the company for you if you want pace and convenience.

Things to Know About Car Insurance When Moving to Indiana

Driving without insurance in Indiana is against the law. If you drive in Indiana without auto insurance, uninsured driving penalties include a 90-day suspension or a one-year suspension for repeated infringements in three years. In Indiana, driving penalties without insurance include fines, revocation of licenses, and enhanced supervision of three years. The state of Indiana mandates that all drivers be covered up to $50000 for physical harm, including $25000 for property damage and at least $25000 for each accident.

How to Get Discounts on Car Insurance in Indiana

Discounts for car insurance in Indiana are given below

Common Discounts in Indiana
Accident-Free Discount
Advanced Quote Discount
Anti-Lock Braking and Passive Restraint Safety Equipment Discounts
Paperless Discount
Protective System Discount
Claims Experience Discount
Top Scholar Discount
Driver Education Discount
Top Scholar Discount
Youthful Driver Discount
Full Payment Discount
Loyalty Discount
Mature Driver Rates
Multiple vehicles car insurance Discount

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Is it illegal to not have car insurance in Indiana?

Driving in Indiana is against the law without auto liability insurance. When you plan to drive in Indiana without auto insurance, uninsured driving penalties include a 90-day suspension or a one-year suspension for repeated infringements in three years.

How much is car insurance in Indiana?

For complete coverage in car insurance, Indiana's drivers pay on an average of $496 a year. And if you purchase the minimum coverage, you will have to pay an average of $253 a year.

What is the basic vehicle insurance coverage in Indiana?

Responsibility for bodily injuries: $25000 minimum per person and $50,000 minimum for each accident. Responsibility for property damages: $25000 or less per accident. Injury: minimum of $25000 per person per accident and $50000 per accident.

Who has the cheapest car insurance in Indiana?

We examined the leading car insurers in Indiana and found Erie Insurance to have the highest driver coverage rate of $266.

When did car insurance become mandatory in Indiana?

Auto insurance was generally compulsory in 1927. In 1925 Connecticut was the first state to sell car insurance.

What happens if you don't have car insurance in Indiana?

In Indiana, driving penalties without insurance include fines, revocation of licenses, and enhanced supervision of three years. The state of Indiana mandates that all drivers be covered up to $50000 for physical harm, including $25000 for property damage and at least $25000 for each accident.

How long is your license suspended for no insurance in Indiana?

The court is obliged to revoke the driving rights for 90 days, along with fines and court expenses. If the person has been convicted in the past five years of a similar crime, the license's revocation has to be for one year, however.

What happens if someone hits your car and they don't have insurance?

You can take the person to court to sue for the costs if you do not have uninsured motorist insurance. The amount of time and resources that you would require would be a lot.

Is Indiana a no-fault state?

Indiana is NOT a ‘no-fault' state. Indiana rules for persons involved in auto accidents are 'at-fault.'

Does insurance follow the car or driver in Indiana?

Auto insurance in Indiana typically accompanies the car. Auto insurance in Indiana covers serious harm, personal injury liability, accident, and extensive coverage. In Indiana, you are supposed to take responsibility for bodily harm and property damages.

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Learn more by city and state for car insurance




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