Indiana Car Insurance Calculator
Calculate your auto insurance cost in Indiana. Compare with state averages and find savings.
$1,289
Avg Annual Premium
25/50/25
Min Liability
Monthly Avg
$107
Full Coverage
$1,678
Min Coverage
$456
Uninsured Rate
13.5%
Indiana Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Indiana
Moderate cost of livingRural areasWinter weather
Major Metro Areas in Indiana
IndianapolisFort WayneEvansvilleSouth BendCarmel
FAQ
Indiana Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Indiana
The average annual car insurance premium in Indiana is $1,289, or about $107 per month. Full coverage averages $1,678 annually, while minimum coverage averages $456. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Indiana requires minimum liability coverage of 25/50/25 ($25,000/$50,000 for bodily injury and $25,000 for property damage).
Key factors affecting Indiana car insurance rates include: Moderate cost of living, Rural areas, Winter weather. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 13.5% of drivers in Indiana are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Indiana car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Indiana include: State Farm, GEICO, Progressive, Allstate, Erie Insurance. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
IN Insurance Costs
Average premiums in Indiana:
- Annual Average$1,289
- Monthly Average$107
- Full Coverage$1,678
- Minimum Coverage$456
IN Requirements
Minimum coverage required:
- Liability25/50/25
- PIP RequiredNo
- UM RequiredNo
- Uninsured Rate13.5%
Top IN Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Allstate
- •Erie Insurance