Home Renters insurance Renters insurance cost Average renters insurance cost in Indiana Average renters insurance cost in Indiana Discover the average cost of renters insurance in Indiana and how factors like location and coverage levels can impact your rate. 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: June 25, 2025 Why you can trust Insure.com Quality Verified 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. Renters insurance costs in Indiana vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Indiana is $269 per year or $22 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in Indiana is $269 per year or $22 per month.State Farm provides the least expensive renters insurance in Indiana at an average rate of $163 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Indiana. Average renters insurance cost in Indiana per monthThe average cost of renters insurance in Indiana is $22 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$22equalAverage renters insurance cost in Indiana by companyAccording to our data, State Farm provides the most affordable renters insurance in Indiana, with an average annual rate of $163, followed by Indiana Farmers and Farmers.Getting quotes from multiple renters insurance companies in Indiana is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Indiana.CompanyAverage annual rateAverage monthly rateState Farm$163$14Indiana Farmers$203$17Farmers$248$21Nationwide$249$21American Family$306$25Allstate$317$26Erie Insurance$334$28Auto-Owners$378$32Indiana Farm Bureau Grp$471$39Travelers$599$50USAA$126$11 Renters insurance calculator in Indiana Select your state Indiana 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 Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $249/year Estimated renters insurance rates in Indiana $21 Monthly renters insurance cost in Indiana 1% Compared to national average Get quotes Average cost of renters insurance in Indiana by coverage levelOn average, Indiana renters pay $269 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Indiana to $194 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Indiana for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$188$16$20,000 with $500 Deductible and $300,000 Liability$207$17$20,000 with $1,000 Deductible and $100,000 Liability$176$15$20,000 with $1,000 Deductible and $300,000 Liability$194$16$40,000 with $500 Deductible and $100,000 Liability$267$22$40,000 with $500 Deductible and $300,000 Liability$288$24$40,000 with $1,000 Deductible and $100,000 Liability$249$21$40,000 with $1,000 Deductible and $300,000 Liability$269$22$60,000 with $500 Deductible and $100,000 Liability$344$29$60,000 with $500 Deductible and $300,000 Liability$366$31$60,000 with $1,000 Deductible and $100,000 Liability$321$27$60,000 with $1,000 Deductible and $300,000 Liability$344$29Average cost of renters insurance in Indiana by cityRenters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Indiana and find the best fit for your budget.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Indiana by cityEvansvilleFishersFort WayneIndianapolisSouth BendAverage cost of renters insurance in Indiana by ZIP codeRenters insurance costs in Indiana vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in IndianaIn Indiana, your ZIP code plays a major role in determining your premiums. Based on our data, 46835 is the most affordable ZIP code for renters insurance, with an average annual cost of $245.Comparing quotes from multiple insurers in Indiana is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate46835Fort Wayne$245$2046550Nappanee$247$2146943Laketon$247$2146540Middlebury$247$2146804Fort Wayne$247$2146738Altona$247$2146787South Whitley$248$2146553New Paris$248$2146761Lagrange$248$2146714Bluffton$248$21Least affordable ZIP codes for renters insurance in IndianaYour ZIP code, among other factors, affects how much you pay for renters insurance in Indiana. 46282 is the least affordable ZIP code for Indiana renters at an average cost of $331 a year or $28 monthly.We have analyzed quotes from the major insurance carriers across all the ZIP codes in Indiana. Below are the average annual renters insurance costs by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate46282Indianapolis$331$2846404Gary$331$2846218Indianapolis$322$2746408Gary$321$27 Final thoughts: Average renters insurance in IndianaRenters insurance is essential for residents of Indiana. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Indiana Average homeowners insurance cost in Indiana Average car insurance cost in Indiana Non-owner auto insurance in Indiana Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles Hurricane season is here: What to know to protect your home By Maryalene LaPonsie $400K home insurance cost calculator By Zack Sigel Cost of living comparison by state By Chris Kissell Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite Cost of living calculator By Nupur Gambhir Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel On this page Average renters insurance cost in Indiana per monthAverage renters insurance cost in Indiana by companyAverage cost of renters insurance in Indiana by coverage levelAverage cost of renters insurance in Indiana by cityAverage cost of renters insurance in Indiana by ZIP codeFinal thoughts: Average renters insurance in Indiana ZIP Code Please enter valid ZIP See rates (844)-761-9316