About Indiana Auto Insurance
Indiana drivers pay an average of $1,180 per year for full coverage auto insurance, 21% less than the national average of $1,500. This makes Indiana around average for car insurance costs nationally, ranking #13 out of 51 states and territories.
Indiana uses a traditional at-fault insurance system, meaning the driver who caused an accident is financially responsible for damages. This can result in lower base premiums but exposes you to liability from lawsuits.
Your actual rate will depend on your driving record, vehicle, age, and coverage choices. We recommend comparing quotes from at least 3-5 carriers.
Indiana Minimum Coverage Requirements
Indiana requires all registered vehicles to carry minimum liability insurance of $25k/50k/25k. This notation means:
- • $25,000 bodily injury liability per person injured
- • $50,000 total bodily injury liability per accident
- • $25,000 property damage liability per accident
What Affects Indiana Auto Insurance Rates
Midwest affordability
Rural roads with deer hazards
Weather variability
How to Save on Indiana Auto Insurance
- ✓Good student discounts widely available
- ✓Comprehensive for deer collision coverage
- ✓Regional carriers competitive
Driving Risk Factors in Indiana
These factors are used by insurers to set rates in Indiana:
| Risk Factor | Indiana | National Avg | Rating |
|---|---|---|---|
| Traffic Fatalities (per 100k) | 14.1 | 12.8 | Above Average |
| Vehicle Thefts (per 100k) | 245 | 282 | Below Average |
| Most Stolen Vehicle | Chevrolet Silverado | ||
Indiana ranks #22 for traffic fatalities and #28 for vehicle theft among all 50 states.
What This Means for Insurance Rates
Indiana has mixed risk factors. Higher traffic fatality rates combined with below-average vehicle theft results in moderate insurance pricing. If you drive a Chevrolet Silverado, consider adding comprehensive coverage with a low deductible.
Data: NHTSA FARS 2022, NICB Hot Spots Report 2022
Average Auto Insurance Rates in Indiana
The average annual auto insurance premium in Indiana is:
That's $98/month for full coverage
National avg: ~$$1,500/year
Top Auto Insurance Companies Operating in Indiana
Indiana Auto Insurance FAQ
What is the minimum car insurance required in Indiana?
Indiana requires minimum liability coverage of $25k/$50k/$25k.
Is Indiana a no-fault or at-fault state?
Indiana is an at-fault (tort) state. The driver who caused the accident is responsible for the other party's damages. You would file a claim against the at-fault driver's insurance.
How much does car insurance cost in Indiana?
The average annual car insurance premium in Indiana is $1,180, which is 21% below the national average of $1,500. Rates vary significantly based on your driving record, age, vehicle, and ZIP code within the state.
Data Sources & Methodology
The information on this page is compiled from authoritative sources:
- •NAIC↗ — National Association of Insurance Commissioners complaint data
- •State DOI — State Department of Insurance rate filings
- •U.S. Census Bureau↗ — Population and demographic data
Insurance quotes and actual premiums will vary based on individual factors. This content is for informational purposes only.