Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Indiana Average car insurance cost in Indiana A full-coverage car insurance policy in Indiana costs an average of $1,856 a year or $155 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 30, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed A full coverage car insurance policy costs around $1,856 a year or $155 per month for Indiana drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $445 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. Average annual cost $1,856 Average per month cost $155 Average cost for state minimum coverage $535 / Year Cheapest car insurance company GEICO($1,175 / Year) Average cost for young drivers $2,976 / Year Average cost for Senior drivers $1,763 / Year Average car insurance cost in Indiana If you’re a resident of Indiana, full coverage car insurance typically costs about $155 per month, adding up to $1,856 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $37, or $445 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in IndianaGEICO has the cheapest rates, at an average annual cost of $1,175 or $98 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Travelers also stands out for its affordable premiums, with an average cost of $123 per month or $1,475 annually.While these insurance companies have some of the lowest average rates in Indiana, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. Affordable car insurance providers in Indiana Graph Table Company nameAverage per month costAverage annual costGEICO$98$1,175Travelers$123$1,475Progressive$137$1,648Auto-Owners$157$1,889Indiana Farmers Insurance$172$2,060Farmers$182$2,190Indiana Farm Bureau$222$2,662Allstate$223$2,680USAA*$77$921*USAA is only available to military community members and their families.Powered by: Updated with latest data Indiana car insurance calculator Select Year Select Year20242023202220212020201920182017201620152014 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedes-AMGMercedes-BenzMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select Year202420242023202220212020201920182017201620152014 State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Minimum Coverage Select Low to High High to Low OR Liability Coverage Select Low to High High to Low OR Full Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! No matches found for the selected filter options..!!! Year 2024 Cylinders 4 Make & Model Acura - Integra State Indiana Style 2WD 4 Door Hatchback Automatic Turbo Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage $780/Year OR $65/month Full Coverage $2,168/Year OR $181/month Indiana Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in IndianaYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $37 per month or $445 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Indiana, drivers typically pay $155 per month or $1,856 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.Coverage limitsAverage annual costState minimum liability-only$445Liability only$535Full coverage$1,856Non-owner state minimum liability$286Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Indiana by cityFishersFort WayneSouth Bend Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Indiana by cityWhere you live in Indiana can have a big impact on your car insurance rates.If you’re located in cities like Hammond, Indianapolis, or Evansville, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Lafayette and Noblesville tend to pay much lower insurance premiums, between $1,655 and $1,691 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costLafayette$1,655Noblesville$1,691Carmel$1,715Fishers$1,754Fort Wayne$1,791Bloomington$1,812South Bend$1,826Evansville$1,856Indianapolis$2,089Hammond$2,432Powered by:Average car insurance cost in Indiana by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Indiana for a full coverage policy based on your age and gender.Average car insurance cost in Indiana for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Indiana pay an average of $3,926 per year for car insurance, while females of the same age pay $3,512.But by the time you turn 25, insurance premiums drop to $2,277 a year on average for male drivers and $2,145 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$3,926$3,51221$3,232$2,90622$2,985$2,72223$2,802$2,58924$2,622$2,477Powered by:Average car insurance cost in Indiana for adult driversOn average, an adult male driver in Indiana pays $1,845 a year for full coverage or $154 per month. Women pay $1,826 a year or $152 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,277$2,14530$2,020$1,99635$1,921$1,92140$1,850$1,86245$1,772$1,78950$1,702$1,70955$1,622$1,61160$1,601$1,585Powered by:Average car insurance cost in Indiana for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $1,634 per year, while women pay $1,612. But by age 70, average premiums rise to $1,748 for men and $1,723 annually for women. At 75, rates increase even further – $1,964 for male drivers and $1,898 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,634$1,61270$1,748$1,72375$1,964$1,898Powered by:Minimum car insurance requirements in IndianaWhether you’re purchasing a policy for the first time or relocating to Indiana, it’s important to understand the state’s liability coverage requirements.Drivers in Indiana must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in IndianaThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Honda CR-V is one of the cheapest cars to insure in Indiana, with an average premium of $1,720 per year. Chevrolet TrailBlazer has an average annual cost of $1,747.The table below shows the cars with the lowest average insurance rates.Make ModelAverage annual premiumHonda CR-V$1,720Chevrolet TrailBlazer$1,747Hyundai Venue$1,747Ford Escape$1,759Honda HR-V$1,759Mazda CX-5$1,768Subaru Forester$1,779Jeep Wrangler$1,788Volkswagen Tiguan$1,790Kia Seltos$1,792Powered by:Most expensive cars to insure in IndianaMaserati Quattroporte stands out as the most expensive car to insure in Indiana, with an average annual cost of $6,836.The table below shows the most expensive vehicles to insure in Indiana along with their average annual insurance costs.Make ModelAverage annual premiumMaserati Quattroporte$6,836Maserati Ghibli$6,260BMW M8 Gran Coupe$5,314Nissan GT-R$5,264Audi RS7$5,223Audi S8$4,982Audi RS6$4,862Mercedes-AMG G63$4,852BMW i7$4,802Porsche 911 GT3$4,800Powered by:Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in IndianaCheapest car insurance companies in IndianaAverage cost of car insurance by coverage levels in IndianaAverage car insurance cost in Indiana by cityAverage car insurance cost in Indiana by ageMinimum car insurance requirements in IndianaCheapest cars to insure in IndianaMost expensive cars to insure in IndianaMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330