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Last updated: January 24, 2025
Average Cost of Car Insurance in Indiana
Auto insurance in the Hoosier State is usually cheaper than the national average.
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While Indiana typically boasts lower-than-average premiums compared to many states, the actual cost of insurance can vary widely depending on factors like your age, driving history, location, and the type of coverage you choose. In this article, we’ll break down the average car insurance rates in Indiana, explore what influences these costs, and offer tips to help you find affordable coverage that meets your needs. Whether you’re a lifelong Hoosier or new to the state, this guide will help you navigate the car insurance landscape in Indiana.
Average Cost of Car Insurance in Indiana
By City
Among Indiana’s cities, rates in Hammond are the highest on average, creeping past $2,000 for full coverage. Residents of Fort Wayne and South Bend enjoy some of the lowest premiums.
| City | Average annual cost of car insurance in Indiana |
|---|---|
| Indianapolis | $1,408 |
| Fort Wayne | $1,259 |
| Evansville | $1,348 |
| Fishers | $1,526 |
| South Bend | $1,276 |
| Carmel | $1,379 |
| Bloomington | $1,440 |
| Hammond | $2,034 |
| Noblesville | $1,501 |
By Age
In general, the average cost of auto insurance for teens is higher than other age groups. With little to no driving experience, teens are often the worst drivers on the road. As drivers age and gain more experience, their premiums generally decrease.
| Age | Average annual cost of car insurance in Indiana |
|---|---|
| 16 | $3,667 |
| 17 | $3,070 |
| 18 | $3,303 |
| 19 | $2,114 |
| 20s | $1,760 |
| 30s | $1,249 |
| 40s | $1,222 |
| 50s | $1,137 |
| 60s | $1,109 |
| 70s | $1,240 |
HEADS UP:
In Indiana, teens can get their learner’s permits at age 15 if they are enrolled in a driver education course, or at age 16 without driver education. They can receive a restricted (probationary) license after holding their learner’s permit for at least six months, provided they meet the minimum age of 16 years and 6 months if they completed driver education, or 16 years and 9 months if they did not. Drivers receive a full, unrestricted license at 18 years old.
By Coverage Level
Indiana has a 25/50/25 minimum liability insurance requirement. Increasing your limits and adding more coverage—such as comprehensive and collision insurance—will increase your premiums. Full coverage with comprehensive and collision coverage costs more than double liability-only insurance in Indiana. However, full coverage offers greater financial protection in the event of an accident.
| Coverage level | Average annual cost of car insurance in Indiana |
|---|---|
| Minimum | $600 |
| Full | $1,443 |
By Violation
A clean driving record helps keep your premiums low. For example, a DUI conviction could raise your premium by nearly $1,000 annually. On average, insurers increase auto insurance premiums by 24 percent after a ticket in Indiana.
| Driving history | Average annual cost of car insurance in Indiana |
|---|---|
| Clean driving record | $1,291 |
| Speeding ticket | $1,534 |
| Accident | $1,806 |
| DUI | $2,146 |
FYI:
Indiana’s blood alcohol limit is .08. If the state convicts you of operating a motor vehicle while intoxicated, you will pay court costs and fees in excess of $300, be fined up to $5,000, receive a license suspension of up to two years, and may receive a jail sentence of up to one year. When in doubt, stay safe and off the road.1
By Company
Rates vary significantly between insurers. USAA offers the lowest premiums in Indiana, but is only available to active-duty military personnel, veterans, and their families. GEICO and Progressive are widely available and offer the next-cheapest rates.
| Company | Average rates in Indiana |
|---|---|
| Allstate | $2,270 |
| American Family | $1,698 |
| Auto-Owners | $1,764 |
| GEICO | $1,398 |
| Progressive | $1,451 |
| Travelers | $1,776 |
| State Farm | $1,984 |
| USAA | $981 |
By Credit Score
In Indiana, as in most states, car insurance companies can check your credit score to assess risk and likelihood to file claims. Having good to excellent credit can save you $1,000 or more on your auto insurance premium.
| Credit score | Average annual cost of car insurance in Indiana |
|---|---|
| Poor | $2,210 |
| Average | $1,459 |
| Good | $1,268 |
| Excellent | $995 |
Cheapest Car Insurance in Indiana
Our list of the best auto insurance companies in Indiana includes Allstate, USAA, and Liberty Mutual. If price is your main consideration, here are the lowest rates we found for different demographics.
| Category | Provider | Rates in Indiana as low as |
|---|---|---|
| Teens | Progressive | $1,428 |
| Minimum Coverage | Auto-Owners | $420 |
| Full Coverage | Hastings Mutual | $1,224 |
| Speeding Ticket | Hastings Mutual | $1,524 |
| Accident | Hastings Mutual | $1,224 |
| DUI | Progressive | $1,644 |
| Poor Credit | Travelers | $2,088 |
How to Save on Car Insurance in Indiana
Beyond price comparison while shopping, here are some ways you can save on car insurance in Indiana:
- Bundle your car insurance with your home, renters, or life insurance.
- Raise your deductible, i.e., agree to pay more out of pocket in the event of an accident.
- Lower or drop coverage not required by law.
- Research other car insurance discounts offered by your provider.
Minimum Car Insurance in Indiana
Here are the minimum liability limits in Indiana:
- $25,000/$50,000 bodily injury liability
- $25,000 property damage liability
- $50,000 underinsured motorist liability2
Fault Law in Indiana
Indiana is an at-fault state with modified comparative negligence laws, meaning one party can only recover money if they’re less at fault than the other party. If one party is found 100 percent at fault, they pay the other party’s injuries and property damages.
SR-22s in Indiana
The Indiana Bureau of Motor Vehicles (BMV) requires an SR-22 to verify you have the minimum liability insurance coverage in any of the following circumstances:
- An auto accident for which the BMV receives an accident report.
- A pointable moving violation with one year of receiving two other pointable moving violations.
- A serious traffic violation like a misdemeanor or felony.
- Any pointable violation by a driver who was previously suspended for failing to provide proof of financial responsibility.
If any of these situations apply, your insurance provider has to file a Certificate of Compliance electronically with the BMV within 90 days of its request for financial responsibility verification. Most insurance providers will do this for a small fee.
FYI:
The BMV may request proof of financial responsibility at any time, even if a conviction is overturned, expunged, vacated, or removed from the record.3
Recap
Indiana’s average annual auto insurance cost is $600 annually for minimum coverage and $1,443 annually for full coverage — below the national average. Exactly how much you pay for auto insurance will vary based on your circumstances and requirements. Teens, drivers with DUIs, and those with low credit pay the most for auto insurance. To find the best rates, shop around with at least three providers and consider bundling your home and auto insurance.
Methodology
AutoInsurance.com has been in the business of pairing consumers with auto insurance providers for over 20 years. This expertise, coupled with extensive subject matter research, informs our approach to determining average costs of auto insurance by state.
Frequently Asked Questions
Is Indiana car insurance high?
Indiana is one of the ten cheapest states when it comes to car insurance.
What is the cheapest car insurance in Indiana?
USAA, Geico, Progressive, and Hastings Mutual have some of the cheapest auto insurance rates in Indiana.
Is car insurance cheaper in Indiana than Illinois?
Yes, car insurance is cheaper in Indiana than Illinois. On average, full coverage costs $1,443 annually in Indiana and $1,627 in Illinois.
Senior Writer & Editor
A seasoned journalist and content strategist with over 10 years of editorial experience in digital media, Aliza Vigderman has written and edited hundreds of articles on the site, covering everything from plan coverages to discounts to state laws. Previously, she was a senior editor and industry analyst at the home and digital security website Security.org, previously called Security Baron. She has also contributed to The Huffington Post, SquareFoot, and Degreed. Aliza studied journalism at Brandeis University.
Citations
Impaired Driving. Indiana Criminal Justice Institute. (2025).
https://www.in.gov/cji/traffic-safety/impaired-driving/#Indiana_Impaired_Driving_LawsAuto Insurance. Indiana Department of Insurance. (2025).
https://www.in.gov/idoi/consumer-services/types-of-insurance/auto-insurance/Proof of Financial Responsibility. Indiana Bureau of Motor Vehicles. (2025).
https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/proof-of-financial-responsibility/
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