Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Indiana Average car insurance cost in Indiana The average premium for car insurance in Indiana is $1,515 per year or $126 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: April 7, 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 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re looking for car insurance rates in Indiana, the average annual premium is $1,515, per year or $126 monthly. This contrasts with the national average of $1,895, highlighting a variation of $380. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Indiana, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes. Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget. Average annual cost $1,515 Average per month cost $126 Average cost for state minimum coverage $417 / Year Cheapest car insurance company Geico($986 / Year) Average cost for young drivers $2,452 / Year Average cost for Senior drivers $1,482 / Year Key TakeawaysThe average car insurance cost in Indiana is $1,515 per year, based on Insure.com’s analysis.In Indiana, the average premium for car insurance is $126 per month.Geico has the cheapest car insurance rates in Indiana, at an average annual rate of $986 a year.Average car insurance cost in Indiana per monthIn Indiana, car insurance costs around $126 per month on average.It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Indiana, it’s wise to obtain quotes from multiple firms.Cheapest car insurance companies in IndianaAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Indiana is Geico, with an average annual cost of $986 and a monthly average of $82. Following closely is Auto-Owners, providing coverage at an average monthly rate of $99.The following table lists additional car insurance companies operating in Indiana and their respective average monthly and annual costs. Affordable car insurance providers in Indiana Graph Table Company nameAverage per month costAverage annual costGeico$82$986Auto-Owners$99$1,188Travelers$105$1,264Nationwide$109$1,309Progressive$123$1,480Indiana Farmers Insurance$134$1,604State Farm$135$1,616Farmers$163$1,956Indiana Farm Bureau$179$2,153Allstate$194$2,324USAA$65$783 Read our guide to cheap car insurance companies Indiana car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Indiana Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $1,839/Year OR $153/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 IndianaThe extent of coverage you select determines car insurance costs in Indiana. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Indiana amounts to $498.Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Indiana stands at $1,515.Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Indiana, the average annual cost for non-owner state minimum liability coverage stands at $259.Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $417 in Indiana.1State minimum:$4172Liability only:$4983Full coverage:$1,5154Non-owners:$259Auto 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 cityCarmelEvansvilleFishersFort WayneSouth BendAverage car insurance cost in Indiana by cityYour car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.The table below depicts the top popular cities in Indiana:CityAverage annual costBloomington$1,485Carmel$1,402Evansville$1,538Fishers$1,441Fort Wayne$1,447Hammond$1,984Indianapolis$1,627Lafayette$1,363Noblesville$1,405South Bend$1,473Average car insurance cost in Indiana by age of the driverAge is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in Indiana, the average annual rate for young drivers is $2,452, whereas for seniors, it’s $1,482. Notably, the rate for young drivers surpasses that of senior drivers by $970.Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.Average car insurance cost in Indiana for young driversIn Indiana, female young drivers typically pay an average annual car insurance cost of $2,311 and $193 per month. Conversely, male young drivers pay an average annual rate of $2,594, or $216 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $3,323 $2,873 21 $2,703 $2,377 22 $2,483 $2,215 23 $2,304 $2,092 24 $2,155 $1,998 Average car insurance cost in Indiana for senior driversIn Indiana, senior female drivers pay an annual car insurance cost of $1,450, equating to $121 per month. Similarly, male senior drivers face an average yearly expense of $1,515, or $126 per month. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $1,380 $1,343 70 $1,483 $1,429 75 $1,680 $1,577 Read more about senior car insuranceMinimum car insurance requirements in IndianaEvery state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Indiana Department of Insurance, the required coverages and minimum coverage limits in Indiana are as follows:Bodily injury per person: $25,000 Bodily injury per accident: $50,000 Personal property coverage per person: $25,000 Cheapest cars to insure in IndianaChevrolet TrailBlazer owners pay less for car insurance, around $1,433 per year. Honda HR-V follows closely with an annual premium of $1,435. The annual difference in insurance costs between these two models amounts to $2. MakeModelAverage annual premiumChevroletTrailBlazer$1,433HondaHR-V$1,435KiaSeltos$1,446HondaCR-V$1,456MazdaCX-5$1,456SubaruForester$1,469MazdaCX-30$1,473HyundaiVenue$1,476VolkswagenTiguan$1,477ToyotaCorolla Cross$1,492Most expensive cars to insure in IndianaThe most expensive car to insure on the list is the Maserati Quattroporte Trofeo, which has an average annual premium of $5,594. However, the difference between the cheapest and most expensive cars to insure is $4,161 annually.MakeModelAverage annual premiumMaseratiQuattroporte Trofeo$5,594MaseratiQuattroporte$5,561MaseratiGhibli Trofeo$5,352AudiR8 Performance$5,253MaseratiGhibli$4,852BMWM8$4,523Porsche911 Carrera GT3 RS$4,324MaseratiLevante Trofeo$4,290PorscheTaycan Turbo$4,105AudiS8$4,067MethodologyThe Insure.com team worked with Quadrant Information Service to obtain car insurance data. To determine the average premiums, our team of data analysts and expert editors analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.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 a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Indiana Non-owner auto insurance in Indiana Average renters insurance cost in Indiana Average homeowners insurance cost in Indiana In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Indiana per monthCheapest 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 age of the driverMinimum car insurance requirements in IndianaCheapest cars to insure in IndianaMost expensive cars to insure in IndianaMethodology ZIP Code Please enter valid ZIP See rates