Average car insurance cost in Indiana
Indiana is one of the cheapest states in the country for car insurance, ranking #9 of 51. Drivers here pay about 20% less than the national average — roughly $504 a year back in your pocket compared with a typical American driver.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Indiana compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Indiana next to nearby states:
Indiana car insurance FAQ
How much is car insurance in Indiana?
Full-coverage car insurance in Indiana averages $166 per month ($1,992 per year). A state-minimum liability policy averages $58 per month ($696 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Indiana more expensive than average?
No. Indiana's full-coverage average of $166/month is about 20% below the U.S. average of $208/month, ranking #9 of 51 (1 = cheapest).
Is Indiana a no-fault state?
No. Indiana is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in Indiana?
Minimum liability in Indiana averages $58/month versus $166/month for full coverage — a gap of $108/month, or $1,296/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.