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: November 6, 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 live in Indiana can expect to pay an average of $155 per month for full coverage car insurance – that’s $1,856 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $37 monthly or $445 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in IndianaIf you’re looking for affordable insurance, GEICO tops the list of the cheapest car insurance companies. Its average annual cost is $1,175 per year or $98 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Travelers also provides affordable insurance rates in Indiana for a full coverage policy at an average annual insurance cost of $1,475 or $123 monthly.While these companies offer some of the lowest average premiums in Indiana, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. 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: Indiana car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Indiana Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Indiana Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$780/year Full Coverage$2,168/yearRecommended Get quotes Get quotes 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 - + Note: 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 2021 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. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in IndianaThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $37 per month, or $445 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Indiana, the average cost for full coverage is $155 per month, or $1,856 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.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 citySee rates in your 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 cityBecause car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Hammond, Indianapolis or Evansville, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.On the other hand, drivers in cities like Lafayette or Noblesville pay significantly low insurance rates, on average between $1,655 and $1,691 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.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 ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Indiana, based on age and gender.Average car insurance cost in Indiana for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Indiana pays an average of $3,926 annually for car insurance, compared to $3,512 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $2,277 per year for male drivers and $2,145 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.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 driversAn adult driver aged 25-60 in Indiana pays $1,845 annually for full coverage, or around $154 each month. Women in the same age group pay $1,826 per year or $152 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.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 driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $1,634 annually, while women pay $1,612.By 70, average rates go up to $1,748 for men and $1,723 for women. At age 75, costs increase further, reaching $1,964 for men and $1,898 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping 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 buying your first insurance policy or just moved to Indiana, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Indiana must carry at least the following minimum liability coverage:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in IndianaInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Honda CR-V has the lowest premium, at an average of $1,720 a year, closely followed by Chevrolet TrailBlazer, with an average annual car insurance cost of $1,747.The table below shows the cheapest cars to insure and their average annual 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 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers 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:Teen drivers aged 16-19Young 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 states No matches are found 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