Car Insurance in Indiana

Average car insurance cost in Indiana

The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $485 for liability, $357 for collision and $189 for comprehensive ($1,032 combined, versus $1,439 nationally). That average expenditure is 14% higher than the NAIC's previous data year ($814). Comprehensive coverage is cheaper than average here, a sign of lower weather and theft losses.

Minimum car insurance requirements in Indiana

Indiana's minimum is written as 25/50/25: $25,000 per person / $50,000 per accident in bodily injury liability and $25,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $585 a year here, $180 more than the minimum.

Is Indiana a no-fault state?

No — Indiana is an at-fault (tort) state. Indiana is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage. Injured people can claim against the at-fault driver's insurer, use their own coverage, or sue.

No-fault vs. at-fault explained

Uninsured drivers in Indiana

The Insurance Research Council estimates 14.0% of Indiana drivers are uninsured — 22nd highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 7 on the road. Uninsured motorist (UM) coverage isn't mandatory here (New policies must include uninsured motorist coverage (minimum 25/50 bodily injury) unless the named insured rejects it in writing), but it is still inexpensive protection against hit-and-run and uninsured drivers.

SR-22 requirements in Indiana

Indiana uses the SR-22 — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 3 years. Drivers suspended for certain offenses must keep an SR-22 on file with the BMV for three years after the suspension ends.

By our model, a driver in their 30s with a DUI would pay about $775 a year for minimum coverage in Indiana, versus $405 with a clean record. What is SR-22 insurance?

Car insurance by city in Indiana

We cover 9 Indiana cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Evansville ($1,165) and the highest in Fishers ($1,265).

Estimated cost by driver profile in Indiana

Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.7× what a driver in their 30s pays for the same full coverage in Indiana.

By coverage level

Cheapest and most expensive cars to insure in Indiana

Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $2,405 a year here.

Cheap car insurance in Indiana: how to lower your rate

• Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $80 a year on a typical Indiana full-coverage policy.
• Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $885 to $585.
• Drive less, pay less. Low-mileage and usage-based programs can save around $80 a year if you drive under 7,500 miles.
• Protect your record. A single speeding ticket adds roughly $245 a year in our model; an at-fault accident adds much more.
• Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
• Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.

Complaints and help: Indiana Department of Insurance

The Indiana Department of Insurance licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.

Website

www.in.gov

File a complaint

Consumer complaint page

Consumer helpline

1-800-622-4461

Homeowners insurance in Indiana →

Indiana vs. neighboring states