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The average cost of basic liability car insurance in Indiana is $1,975 per year. Opting for full-coverage car insurance in Indiana will leave you with an average cost of $2,006 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare Best Car Insurance Quotes in Indiana
What makes Indiana car insurance rates so variable? Your quotes depend on the coverage options you’ve chosen and the points on your driver’s license, along with your address, credit score, car accident history, and more.
Jerry can help you compare quotes from multiple providers in 45 seconds so you don’t have to juggle all those variables at once.
Indiana drivers can find the cheapest car insurance quotes with companies like Allstate, GEICO, and State Farm—but those aren’t the only companies with affordable car insurance in the state of Indiana. Military members and their families may find the lowest rates with USAA, while drivers with bad credit or a DUI on their record could find the best coverage with Progressive.
The best auto insurance company is different for every driver in Indiana. That’s because every company uses a different methodology to calculate the rate on your auto insurance policy. Poor credit, an accident, or even your ZIP code or marital status could earn you a high rate with one company and a cheaper one with another.
The only way to find the best insurance provider for you is to compare rates from multiple companies.
Car insurance is generally inexpensive in Indiana. Keep in mind that your final rates will depend on a variety of factors, and could be significantly higher or lower than the state average.
Is $200 a lot for insurance?
Car insurance is generally inexpensive in Indiana, so $200 a month could be on the expensive side. However, it might be a very reasonable rate if you live in a major city, have a luxury vehicle, and/or have a bad driving record.
Can you go to jail for not having car insurance in Indiana?
No, you cannot go to jail for driving without insurance in Indiana, but you will likely face some other serious consequences, such as license suspension and even fines up to $1,000. Not only that, driving without insurance in Indiana is illegal and can even significantly raise your car insurance rates moving forward.
Is Indiana a no fault state as of 2023?
Indiana is not a no-fault state. It is a fault state where you file a claim against the negligent driver's policy. This means if you caused the accident, the other driver can file a claim with your insurance company.
How much does car insurance cost in Indiana?
The average cost of car insurance in Indiana is below the state average, but you might still be looking at a high quote. So what impacts Indiana car insurance rates?
Depending on where you live, your high rate could be the result of busy interstate traffic, rising car theft rates, or harsh weather conditions. In major cities or at highway interchanges, insurance rates go up along with accident rates. In rural areas, high incidences of fatal crashes along with the potential for major weather events (we’re looking at you, Tornado Alley) can raise rates. And approximately 15% of Indiana’s drivers fail to carry the minimum coverage required by state law, making it one of the top 15 states for underinsured drivers—which increases the cost of insurance for everyone else.
Before you start shopping for car insurance in Indiana, here are some things you should know.
Most states have minimum insurance requirements that you must meet to hit the road.
How much insurance do I need in Indiana?
Indiana requires $25,000 per person for bodily injury liability, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability per accident. You will also need uninsured motorist coverage covering $50,000 bodily injury.
What do you need if you’re pulled over?
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Indiana a no-fault state?
No, Indiana is an at-fault state. This means the at-fault driver’s insurance will pay for the not-at-fault driver’s and passengers' injuries, once the at-fault driver’s insurance company accepts liability and confirms that there is enough coverage.
You must carry proof of insurance that meets Indiana’s minimum coverage limits in order to legally drive in the state.
But that might not be the only insurance coverage you need. After all, liability insurance and uninsured motorist bodily injury coverage won’t cover any of your vehicle repairs in the event of an accident. Because Indiana is an at-fault state, you’ll be on your own when it comes to fixing a shattered windshield, a dented fender, or a scratched bumper.
Best car insurance for drivers in Indiana with violations
If you have a serious traffic violation on your driving record, like a DUI or a reckless driving charge, you’re probably paying far more than the state average for auto insurance. That’s because insurance companies label anyone with major infractions or repeated violations in their driving history as a high-risk driver—and with high risk comes high premiums!
Here’s just a sample of the savings that Jerry customers with spotty driving records have found:
If you get a DUI in Indiana, you can expect your car insurance to increase by an average of $39.17 each month.
Insurance Cost With a Reckless Driving Citation in Indiana
If you have a reckless driving citation, you should expect your insurance to increase to an average of $143.16 per month.
Cost to insure your car in Indiana by age
Your age can have a major impact on your annual premium since car insurance companies often use age as a way to measure risk. Younger drivers—especially teenagers—have less experience on the road, and tend to have a statistically higher accident rate.
Drivers under 25 in Indiana pay some of the highest car insurance premiums as a result. Even if you’re a relatively safe driver, your age could keep your rates high until you’ve passed the 25-year-old mark, at which point you’ll see your annual premium start to shrink.
Here's a breakdown that compares the average rates for different age groups in Indiana with the average savings they found with Jerry.
How can young drivers save money on car insurance in Indiana?
Build a good credit score (remember, poor credit can raise your rates)
But if you live outside of these urban areas, you might pay less than the state average. Here’s a more detailed breakdown to help you understand how insurance prices for Jerry customers change across Indiana:
On the other hand, Richmond has the cheapest premiums in Indiana. Drivers in Richmond can expect average rates of $633 per year.
City With Highest Rates of Accidents in Indiana
13.12% of drivers in Muncie have a prior accident on their record, which means drivers in a Muncie zip code can expect high insurance rates to accommodate.
Cities With the Longest Commute Times in Indiana
With an average commute time of 36.7 minutes, Lowell has the longest commute in Indiana. Drivers in Lowell can expect higher than average rates.
Cost to insure your car in Indiana
Your annual premium also depends on what kind of vehicle you drive. If your policy covers a basic sedan, popular SUV, or truck with a smaller engine, you’re likely to pay lower rates than if you own a luxury car or a sports car.
Let’s take Indiana’s favorite vehicle—the Chevy Silverado 1500—as an example. Chevrolet Silverado 1500 insurance costs are fairly low, thanks to the truck’s wide popularity and low starting price. This makes repairs affordable, so insurance companies don’t need to charge as much to insure it. But if your Silverado has a V8 engine, you’re likely to pay more due to the potential for high-risk driving associated with the bigger engine.
On the other hand, a luxury car like the Audi Q3 will have a higher average premium from the start. Audi Q3 insurance costs are high due to the cost of repairs.
The most popular vehicle in Indiana is the Chevy Silverado 1500. Silverado 1500 drivers pay an average of $1,510 a year in car insurance. Insurance prices may be high, but drivers can save on their premium by using Jerry to find the best quotes.
Do you need more than the minimum car insurance in Indiana?
Most states have minimum insurance requirements that you must meet to hit the road—but liability insurance coverage is just the minimum requirement and may not cover all your expenses in the event of an accident.
While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Uninsured/underinsured motorist coverage
Purchasing more than the minimum required insurance is usually a good idea. While liability coverage protects others if you’re involved in an at-fault accident, it won’t protect your vehicle.
Considering these risk factors, here are some additional coverages that would serve drivers in Indiana well:
Indiana ranks 22nd for traffic congestion, which puts it in the top half of states for clean traffic. However, population-dense areas will have high congestion, which can increase the risk of collisions. Get collision coverage to stay covered.
In Indiana, it’s actually required that you carry some uninsured/underinsured motorist coverage—and since 15.80% of drivers in Indiana don’t carry insurance, it’s a good idea to make sure you’re fully insured. This will protect you from at-fault drivers who don’t carry liability insurance.
Indiana residents rate their roads a low 6.5/10. Poor road conditions could make driving hazardous. Make sure you have roadside assistance so you can get help if you’re ever stranded.
How to save money on car insurance in Indiana
While Indiana’s car insurance premiums are relatively affordable, there are still ways to save more money.
Shop around for the best quotes
Getting multiple quotes is hands-down the best way to find the cheapest rates on auto insurance in Indiana—but getting quotes can be a time-consuming process, so it's a good idea to work with a broker or use an insurance comparison app.
Look for discounts
Another great way to save some cash is by qualifying for discounts. Most auto insurance companies offer discounts, but they don’t always advertise all of them. That’s why it’s important to look for any discounts you may be eligible for!
Here are a few common discounts to keep an eye out for in Indiana:
Clean Driving Record Discounts
Drivers with clean driving records are eligible for discounted insurance for their safe driving habits. Safe drivers are less likely to file claims, so insurance companies save money and reward discounts in return.
Drivers who bundle their insurance, such as auto and home insurance, are eligible for bundling discounts.
Continuously Insured Discounts
Drivers who stay insured and avoid lapses in coverage can earn discounts between 5-25% on their rates.
Increase your deductible
For drivers that carry full-coverage insurance, increasing your deductible is an easy way to cut your month-to-month insurance costs.
Your deductible is the set amount that you agree to pay before insurance kicks in on a collision or comprehensive claim. It’s usually set at $500 or $1,000, but you can raise that amount and pay less each month—if you can really afford that higher deductible. Never, ever choose a deductible that’s higher than what you could realistically pay out of pocket at one time. That’s a recipe for disaster, and that’s not what we want for you.