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: December 18, 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 If you live in Indiana, you can expect to pay an average of around $155 per month for full coverage car insurance, or $1,856 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $37 monthly or $445 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. 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 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: 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 cityCar insurance rates can vary widely depending on where you live, even within Indiana.Cities like Hammond, Indianapolis, or Evansville tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Lafayette or Noblesville, with average annual premiums between $1,655 and $1,691.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.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 plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in Indiana for full coverage, depending on your age and gender.Average car insurance cost in Indiana for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In Indiana, 20-year-old male drivers pay an average of $3,926 per year for car insurance, while their female counterparts pay $3,512 for the same coverage.However, by age 25, average car insurance costs drop to about $2,277 per year 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 driversAn adult driver aged 25-60 in Indiana pays $1,845 per year for full coverage, or $154 each month. Female drivers of the same age pay $1,826 annually or $152 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.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 driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $1,634 per year, and women pay $1,612.By age 70, those averages increase to $1,748 for men and $1,723 for women. At 75, premiums rise again, reaching $1,964 for male drivers and $1,898 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely 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 insurance for the first time or moving to a new state, understanding the required liability limits in Indiana can help you avoid fines and make smarter choices about your coverage.Drivers in Indiana must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in IndianaYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Honda CR-V tops the list for cheapest car to insure in Indiana at an average cost of $1,720 a year, followed closely by Chevrolet TrailBlazer at $1,747 per year.The table below outlines the vehicles with the lowest insurance costs.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 tops the list as the most expensive car to insure in Indiana, at an average annual cost of $6,836. Below is a list of the most expensive vehicles to insure in Indiana and their average annual premiums.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 costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your 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 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