Car Insurance in Indiana

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Because of the relatively low population density and miles of rural roads, Indiana has car insurance rates that are below the national average. However, Indiana drivers can still save on car insurance premiums by shopping with Jerry.
Indiana is home to several top-rated universities in Bloomington and North Bend, and it is traversed by many cross-country interstates. Additionally, Indiana is prone to experiencing both tornadoes and winter storms. All of these factors contribute to car insurance prices.
That said, location is just one consideration that impacts your car insurance premiums. Your rates are also determined by your age, driving history, and other factors.
To help you find the best prices on the car insurance coverage you need, shop with Jerry! Jerry is a car super app that will save you time and money when shopping for car insurance. Sign-up takes about 45 seconds, and Jerry will provide you with quotes from over 50 top insurance providers. The average Jerry user saves $879 per year on car insurance.
Need more proof? These are actual quotes and savings from customers in Indiana who switched with Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
October 5, 2021Toyota PriusFishers36ClearCover$108/mo.$61/mo.
August 27, 2021Saturn Outlook XEEvansville27Progressive$172/mo.$62/mo.
October 5, 2021Toyota Corolla BaseIndianapolis65ClearCover$265/mo.$81/mo.
October 13, 2021Mercedes-Benz C 300 4MaticZionsville28ClearCover$160/mo.$81/mo.
October 9, 2021Buick Rendezvous CXBloomington42ClearCover$247/mo.$91/mo.
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How much does car insurance cost in Indiana?

The average cost of liability-only car insurance in Indiana is $1,549 per year. If you prefer to buy full coverage car insurance in Indiana, you can expect to pay an average cost of $1,946 per year.

How does the cost of car insurance in Indiana compare to the rest of the country?

Compared to nationwide averages, it costs $1,764 per year for liability-only car insurance and $2,486 per year for full-coverage car insurance.
What impacts Indiana car insurance rates? This is what to consider:
  • Interstates: Indiana has several cross-country interstates that bring many commuters every day
  • Auto theft: Indiana car theft rates have been on the rise, impacting insurance prices
  • Harsh weather: Indiana is prone to natural disasters, which can damage automobiles
Here’s how Indiana insurance premiums stack up to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
IN$1,758$1,168$951$843$2,830$1,780
National Average$2,491$1,672$2,359$1,390$2,763$1,962
INNational Average
All Coverage Before Jerry
$1,758$2,491
All Coverage After Jerry
$1,168$1,672
Minimum Coverage Before Jerry
$951$2,359
Minimum Coverage After Jerry
$843$1,390
Full Coverage Before Jerry
$2,830$2,763
Full Coverage After Jerry
$1,780$1,962
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Top auto insurance providers in Indiana

Several top car insurance providers work with residents of Indiana. Popular choices include Geico, State Farm, and Progressive because of their general affordability and quality customer service.
That said, another provider may better meet your needs based on your profile.
Providers use their own formulas to set car insurance rates, so it’s possible to get drastically different quotes from every carrier—even for the same coverage. Indiana car insurance providers take your age, credit score, location, and other factors into account before setting your rates.
Your vehicle will be a major factor in your car insurance premiums. A Hyundai Elantra is a popular choice in Indiana, and its affordability and quality safety and reliability ratings make it affordable to insure. However, a more expensive car, like a Chevy Corvette, will have higher insurance premiums because of its higher MSRP and more expensive cost of repairs.
Jerry can help Indiana drivers find the best rates on car insurance—no matter their background. Here are some of the best prices we have found for our customers in Indiana:
Insurance Company
Average Cost
Annual Savings with Jerry
Travelers$2,921$1,340Compare Prices
Safeco$3,158$1,215Compare Prices
Dairyland$3,283$1,212Compare Prices
Allstate$2,888$906Compare Prices
Kemper$2,715$830Compare Prices
Nationwide$2,337$628Compare Prices
State Auto$1,356$214Compare Prices
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What car insurance do you need in Indiana?

Indiana drivers are required to carry minimum liability insurance before getting behind the wheel. This coverage includes the following:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $50,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$25,000 per accidentCovers the costs associated with the damage you cause to other people’s vehicles or property
Uninsured motorist coverage$50,000 bodily injuryCovers your costs if you are in an accident with an uninsured driver.
You could face penalties if you are caught driving without insurance, including:
  • $250 reinstatement fee
  • 90-day driver’s license suspension
  • Maintenance of SR-22 for three years
Keep in mind, liability insurance covers other drivers if you are in an accident, but it doesn’t protect you or your car. If it’s in your budget, you should carry more than the minimum liability insurance. Indiana drivers should consider the following insurance:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Roadside assistanceCovers the costs associated with a breakdown
Jerry will help you find the most affordable coverage regardless of the policy.
After a 45-second sign-up, Jerry will source quotes from the top insurance companies. Then Jerry takes care of all of the rest—including all of the paperwork and phone calls. Jerry will even send you quotes each time your policy is up for renewal—so you know you’re always paying the lowest prices.
Now that you know insurance basics, here’s what to consider about insurance in Indiana.

How is your cost of car insurance determined in Indiana?

Indiana car insurance carriers take a variety of factors into account when setting your insurance prices, including your age, driving record, location, and more.
What young drivers in Indiana need to know
  • Young drivers in Indiana are considered high-risk drivers because of their lack of experience and higher accident rates
  • Drivers under 25 who take a defensive driving course could be eligible for a discount
  • Maintaining B average or higher could earn young drivers a good student discount
To further lower car insurance premiums, young drivers should shop around for quotes and maintain a clean driving record.
Jerry works with drivers under 25 to find the most affordable insurance rates possible. These are the average rates for drivers in Indiana by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,811$924
21-24$2,527$1,022
25-34$2,126$810
35-44$2,169$955
45-54$2,439$921
55-64$1,732$783
65+$2,901$1,930
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Cost to insure your car in Indiana with a poor driving record

Having a blemished driving record will impact your car insurance rates in Indiana. If you’ve been in an accident, gotten a speeding ticket, or had a DUI or other major driving offense, you can expect to pay more for your Indiana car insurance rates.
Insurance companies will consider you a high-risk driver if you have a record of incidents in your driving history.
But don’t worry! Jerry will find drivers with previous infractions the best rates for the coverage they need.
Here are the cheapest rates drivers with less-than-perfect driving records have gotten after shopping with Jerry:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,318$831
Improper Passing$3,384$2,288
DUI$3,520$2,223
Driving on Sus. License$3,138$1,737
Speeding under 15$3,310$1,541
Speeding over 15$2,516$870
Failure to Obey Traffic Sign$2,518$760
Suspension$2,160$600
Illegal Turn$2,164$558
Careless Driving$1,740$108
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Cost to insure your car in Indiana based on where you live

Indiana’s car insurance premiums may be lower than the national average, but your specific rate will depend on your zip code.
For example, residents of cities like Indianapolis may see higher rates than people who live in less populated areas because of the greater likelihood of busier roads. Additionally, residents of Bloomington or North Bend may see higher average premiums because of the number of young drivers who attend universities in the area.
You can find affordable insurance rates for any city in Indiana by shopping with Jerry:
City
Average Cost
Annual Savings with Jerry
Carmel$1,667$678
Evansville$1,962$819
Fishers$2,348$908
Fort Wayne$1,995$670
Gary$2,391$651
Greenwood$1,882$593
Hammond$1,881$656
Indianapolis$2,291$927
Jeffersonville$2,426$849
Plainfield$2,296$592
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Cost to insure your car in Indiana based on the type of car you drive

The vehicle you drive also will impact your car insurance premiums. For the most part, cars that cost more upfront will cost more to insure.
Indiana drivers who drive a basic sedan, like the popular Kia Forte, will pay less for car insurance because of the car’s lower MSRP and cheaper replacement parts.
Conversely, Indiana residents who opt for a luxury sedan, like the Volvo S60, will have higher car insurance premiums because it costs more for providers to replace parts on luxury vehicles, and the repair costs are higher.
These are common insurance quotes for some of the most popular cars in Indiana with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Chevrolet Monte Carlo LT$2,160$1,389
Hyundai Sonata Hybrid$1,800$808
Ford Focus SE$2,258$718
Ford F150 Supercrew$2,448$716
Kia Forte FE$2,093$667
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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 quotes

Shopping for car insurance quotes from multiple providers is the easiest way to know you’re saving money on your premiums.
However, this can take time and be a major hassle—especially if you are doing all of the research yourself. Fortunately, Jerry makes comparison shopping a breeze.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Sign-up is easy, and Jerry will find you quotes from over 50 top insurance providers. Pick the policy that works best for you, and Jerry will help with all of the hard parts—including paperwork. The best part? The average Jerry user saves $879 on car insurance.
Jerry doesn’t stop working for you once you choose a policy. The app will continue searching for the best prices, sending you new quotes each time your policy is up for renewal.

Look for discounts

Discounts are another great way to save some cash on car insurance. Most providers offer discounts, but they may not be readily advertised. Always ask your insurance agent what might be available for you.
Here are some popular discounts in Indiana:
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Providers in Indiana may offer discounts for drivers who are homeowners, married, or affiliated with specific associations.

Increase your deductible

Increasing your overall deductible—the price you pay if you were to make a claim—could save you money on your monthly bill.
That said, you may have to pay a lot at once if you do need to make a claim—even if you save money each month. Make sure you can pay your full deductible each time you would have to make a claim if you choose this option.

Registering your car in Indiana

To register your car in Indiana, you need the following:
  • A driver’s license or ID card
  • A car title or signed lease agreement
  • Odometer Disclosure Statement
  • Proof of residency
  • Social security information
  • Proof of insurance
  • Proof of vehicle inspection
  • Payment and fees
You should make an appointment with the DMV before you go to register your vehicle. You’ll likely need to file paperwork with personal and vehicle information with your registration.
Drivers in Indiana need to renew their vehicle registration every year.

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