Car Insurance in Indiana

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No fees
  • How Much is Car Insurance in Indiana?
  • Real Quotes for Jerry Customers in Indiana
  • The Cheapest Car Insurance in Indiana
  • Most Popular Insurance Companies in Indiana
  • Cost to Insure Different Cars in Indiana
  • Car Insurance Laws in Indiana
  • Car Registration Information in Indiana
Looking for car insurance in Indiana? Here you’ll find all the information you need on driving a car in The Hoosier State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Fort Wayne or South Bend, Evansville or Carmel — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Indiana car insurance.

How Much is Car Insurance in Indiana?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Indiana, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Indiana pay ${averageAnnualPremium} each year for car insurance. This means drivers in Indiana pay ${averageAnnualDiff} the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
Compare cheapest car insurance in Indiana
Compare cheapest car insurance in Indiana
Find savings (100% Free)
logos

What’s Your Rate?

But how do you know what policy is right for you in Indiana? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Indiana, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry Customers in Indiana

CreatedCarsCustomerInsurance CompanyMonthly premiumAmount savedType of coverage
January 29, 2021
  • Kia Forte
21 year old maleProgressive$149.17$63.83Preferred
January 13, 2021
  • Chevrolet Venture
51 year old femaleProgressive$63.50$43.50Preferred
January 8, 2021
  • Mercedes-benz C 240
24 year old maleCLEARCOVER$56.50$243.50Basic
January 18, 2021
  • Chevrolet Malibu Limited Lt
20 year old maleElectric$221.33$168.67Preferred
January 4, 2021
  • Chevrolet Silverado K1500 Lt
  • Toyota Highlander Base
  • Honda Civic Ex
54 year old femaleProgressive$63.50$76.17Standard

The Cheapest Car Insurance in Indiana

Which companies offer cheap car insurance in Indiana? Below, we’ve ranked Indiana car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
Compare cheapest car insurance in Indiana
Compare cheapest car insurance in Indiana
Find savings (100% Free)
logos

Cheapest Car Insurance in Indiana for Basic Coverage

There’s all kinds of auto insurance you can get in Indiana, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Indiana. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Indiana, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Indiana

Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$785
2Progressive$898
3Bristol West$991
h(InterlinkBlock, { description: 'Find Cheap Insurance in ' , title: 'Not in Indiana?' , subTitle: 'Find Cheap Car Insurance in Other States' , linkOffset: 0, linkCount: 5  })

Real Jerry Quotes for Basic Coverage in Indiana

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
January 6, 2021
  • Chrysler 200 S
22 year old maleBristol West$77.67$132.33
March 31, 2021
  • Toyota Tundra Crewmax Sr5
  • Hyundai Santa Fe Sport
  • Kia Sedona Ex
36 year old femaleProgressive$62.50$156.50
March 8, 2021
  • Chevrolet Silverado Ld K1500 Lt
19 year old femaleProgressive$80$129
January 28, 2021
  • Jeep Grand Cherokee Overland
34 year old maleProgressive$76$117
February 27, 2021
  • Honda Accord Sport
29 year old maleProgressive$51.33$98.67

Average Cheapest Car Insurance for Standard Plans in Indiana

Most drivers will want more than the basic minimum coverage that Indiana requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in Indiana, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Indiana

Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$1,081
2Progressive$1,203
3Travelers$1,221

Real Jerry Quotes for Standard Coverage in Indiana

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
January 20, 2021
  • Bmw 328 Xi
27 year old femaleProgressive$86.33$49.67
March 28, 2021
  • Dodge Dart Se
25 year old femaleTravelers$86.17$63.83
January 24, 2021
  • Dodge Avenger Se
23 year old maleProgressive$92$58
January 26, 2021
  • Ford Focus Se
  • Chevrolet Cruze Lt
26 year old femaleProgressive$79.50$120.50
January 27, 2021
  • Kia Optima Ex
25 year old maleCLEARCOVER$78.50$137.50

Cheapest Car Insurance in Indiana for Preferred Coverage

Preferred coverage protects Indiana drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in Indiana, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Indiana

Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$1,115
2Travelers$1,238
3Progressive$1,337
4Nationwide$1,405

Real Jerry Quotes for Preferred Coverage in Indiana

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
February 23, 2021
  • Toyota Scion Xb
46 year old femaleProgressive$50.33$25.67
January 19, 2021
  • Infiniti Qx56
40 year old maleProgressive$87.33$202.67
January 17, 2021
  • Nissan Armada Platinum
  • Ram 2500 St
  • Chevrolet Express G3500 Lt
  • Chevrolet Silverado K2500 Heavy Duty Ltz
  • Chevrolet Avalanche K1500
  • Jeep Wrangler Unlimited Sahara
52 year old maleProgressive$149.17$100.83
April 1, 2021
  • Hyundai Tucson Limited
38 year old maleCLEARCOVER$56.50$17.50
March 11, 2021
  • Ford Expedition Eddie Bauer
  • Chevrolet Avalanche C1500
  • Ford Taurus Sel
37 year old femaleCLEARCOVER$122.50$160.83
Insurance companyAverage annual premium in Indiana
Progressive$1,453.93
Bristol West$1,262.20
CLEARCOVER$1,281.46
Nationwide$966.51
Travelers$1,117
State Auto$1,969.64
CLEARCOVER$1,347.40

Cost to Insure Different Cars in Indiana

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Indiana drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Indiana. And you can use our table of real quotes from Jerry customers to see what people just like you are paying.
Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
February 14, 2021
  • Ford Mustang Gt
24 year old maleCLEARCOVER$156.67$107.33Preferred
January 10, 2021
  • Chevrolet Silverado K1500 Lt
23 year old maleCLEARCOVER$61.17$128.83Standard
February 12, 2021
  • Toyota Sienna Xle
50 year old maleProgressive$65.67$76.33Preferred
December 30, 2020
  • Nissan Altima S
20 year old maleProgressive$296.33$23.67Preferred
January 7, 2021
  • Ford Focus Ses
20 year old maleProgressive$66$325Basic
February 21, 2021
  • Honda Civic Sport
31 year old maleCLEARCOVER$110.33$30.67Standard
February 15, 2021
  • Chevrolet Malibu Ltz
21 year old maleBristol West$195.50$58.50Preferred

Car Insurance Laws in Indiana

With a population of more than 6.7 million people, there are a lot of drivers on the road in the state of Indiana. And when you have drivers on the road, you have car accidents: Indiana has more than 200,000 car accidents every year.
State laws require a minimum amount of liability coverage to help protect those injured in an accident. Insurance also helps cover any repair costs associated with an accident caused by another driver. This allows insurance companies to hold at-fault drivers accountable for the accidents they cause, reducing the burden these costs place on otherwise safe drivers. Here’s what you should know about these laws and how to stay in compliance.

What Car Insurance Is Required in Indiana?

As an at-fault state, Indiana requires that all drivers operating a motor vehicle in the state have the required amount of auto insurance coverage. The insurance coverage required includes Bodily Injury Liability (BIL) and Property Damage Liability (PDL). In addition, drivers are also required to carry a minimum amount of uninsured motorist coverage.
BIL covers the costs of any medical bills for the other party involved in an accident caused by another driver. In addition to paying for medical expenses, BIL pays for any lost wages due to injuries suffered in an accident caused by another driver.
PDL helps to pay for any damage to a vehicle in an accident caused by another driver. This coverage also extends to any objects, such as a pole, sign, or fence damaged by the vehicle of the at-fault driver, as well as any buildings damaged by the driver with their vehicle.
Drivers are also required to get uninsured motorist coverage and underinsured motorist coverage unless they opt out in writing. Uninsured and uninsured motorist insurance is designed to pay for any medical bills and property damage if the at-fault driver is not insured or does not have enough insurance coverage.
As an at-fault state, Indiana insurance companies don’t offer Personal Injury Protection (PIP). Instead of PIP insurance, insurance companies in Indiana offer MedPay, which drivers are not required to get. MedPay only pays costs associated with medical bills and does not cover any lost wages like PIP coverage does.

Can You Drive a Car without Insurance in Indiana?

Indiana requires anyone operating a motor vehicle registered in the state to carry the required amount of auto insurance coverage. Drivers must also provide proof of insurance if pulled over by law enforcement or when they get in an accident. Failure to do so will result in serious penalties, including fines, revocation of driving privileges, and having to file for an SR-22 certificate.
For a first offense, drivers lose their license for 90 days and must pay a $250 fine. They also must keep an SR-22 on file with their insurance company for three years. For a second offense within five years of the first, there is a $500 fine, a license and registration suspension of one year, and a requirement of keeping an SR-22 certificate on file for three years. For a third (and subsequent) offense within five years of any previous violations, a driver will need to pay a $1,000 fine, have their license and registration suspended for a year, and keep an SR-22 certificate on file for five years.

What Are the Minimum Car Insurance Requirements in Indiana?

To avoid costly penalties and fines, it’s important for drivers to carry the required amount of insurance within the state of Indiana. Ultimately, this law is in place to help protect drivers from damages suffered in an accident, including injuries and property damage.
To stay in compliance with Indiana law, drivers must carry the following minimum coverage amounts.
Minimum Insurance Requirements in Indiana
  • Bodily injury/per person/per accident: $25,000
  • Bodily injury/per accident: $50,000
  • Property damage liability: $25,000
  • Uninsured motorist bodily injury coverage/per person/per accident: $25,000
  • Uninsured motorist bodily injury coverage/per accident: $50,000 (unless rejected in writing)
  • Uninsured motorist property damage coverage: $25,000 (unless rejected in writing)
  • Underinsured motorist bodily injury coverage/per person/per accident: $50,000 (unless rejected in writing)
  • Underinsured motorist bodily injury coverage/per accident: $50,000 (unless rejected in writing)

Car Registration Information in Indiana

In addition to having the minimum amount of insurance in Indiana, drivers must also register their vehicle. Current residents have 45 days from the time they buy a car to register it. New residents get a little longer, within 60 days of moving to Indiana.
When registering a vehicle in Indiana, motor vehicle owners have a couple of options: in-person or online. Drivers can register at their local Indiana Bureau of Motor Vehicle (BMV) office or at the myBMV website.
Upon registering a vehicle, drivers will receive a license plate to go on the rear of their vehicle. An Indiana license plate also has a variety of stickers that must be clearly visible, including the month and date you registered the vehicle, the year when the registration needs to be renewed, and the county where the vehicle is registered.
The initial registration fee for a vehicle in Indiana costs $21.35 for passenger cars and $30.35 for trucks under 10,000 pounds. In addition, vehicle owners will have to pay an excise tax based on the price and age of the vehicle that is being registered. There’s also a wheel tax and surtax that depends on the city and county where the vehicle is registered. Drivers will also have to pay these fees when renewing their vehicle registration each year.
When registering your vehicle in Indiana in person, gather the following documentation before visiting your local Indiana BMV office.
  • Indiana driver’s license
  • Vehicle registration (drivers can find the Vehicle Identification Number (VIN) here)
  • Proof of car insurance
  • Certificate of title (if you own the vehicle)
Compare cheapest car insurance in Indiana
Compare cheapest car insurance in Indiana
Find savings (100% Free)
logos
h(InterlinkBlock, { description: 'Find Best Insurance in ' , title: 'Not in Indiana?' ,subTitle: 'Find the Best Car Insurance in other states' , linkOffset: 5, linkCount: 5  })

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies