Indiana Car Insurance Quotes & Average Rates

Full coverage car insurance in Indiana is estimated at $1,671 a year, or $139 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $511 a year. Indiana is an at-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 61 Indiana cities, a breakdown by age and driving record, and the coverage the state actually requires.

Car insurance calculator — Indiana

Estimated from state average premiums and your rating factors. Not a quote.

ZIP code

Driver age — 35

Driving record

Vehicle type

Coverage level

Deductible

Annual mileage

Married

Your estimated premium

$139/ month

$1,671 per year · carriers in Indiana typically quote $1,186 – $2,305

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We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Indiana

Insurer	Est. annual	Est. monthly	vs. average	Notes
USAA	$1,270	$106	-24%	Military members and families only
Geico	$1,370	$114	-18%	Usually cheapest for clean records
State Farm	$1,470	$123	-12%	Strong for young and student drivers
Progressive	$1,587	$132	-5%	Competitive after a ticket or accident
Travelers	$1,621	$135	-3%	Good multi-policy discounts
Nationwide	$1,671	$139	0%	Mid-market, wide availability
Allstate	$1,905	$159	+14%	Higher base rate, heavy discount stacking
Farmers	$2,022	$169	+21%	Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Indiana. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Indiana car insurance rates by age

Driver age	Full coverage / yr	Minimum / yr	Full coverage / mo
16 years old	$4,512	$1,380	$376
18 years old	$3,806	$1,164	$317
20 years old	$3,152	$964	$263
22 years old	$2,618	$801	$218
25 years old	$1,998	$611	$166
30 years old	$1,722	$527	$144
40 years old	$1,619	$495	$135
50 years old	$1,550	$474	$129
60 years old	$1,533	$469	$128
65 years old	$1,602	$490	$133
70 years old	$1,757	$537	$146
75 years old	$2,049	$627	$171

Estimated premiums by age in Indiana, clean record, sedan.

How violations change your Indiana premium

Driving record	Est. annual	Increase
Clean record	$1,671	—
1 speeding ticket	$2,055	+23%
1 at-fault accident	$2,456	+47%
DUI / DWI	$3,157	+89%

What a violation costs a 35-year-old in Indiana. Surcharges normally stay on the policy for three to five years.

A DUI in Indiana usually also triggers an SR-22 filing requirement, which most standard carriers will not write.

Indiana minimum insurance requirements

Required coverage in Indiana	Minimum limit
Bodily injury liability, per person	$25,000
Bodily injury liability, per accident	$50,000
Property damage liability	$25,000
Insurance system	At-fault (tort)

Limits are set by statute and change from time to time. Confirm the current figures with the Indiana Department of Insurance before you buy.

Coverage levels in Indiana

Coverage level	Est. annual	Est. monthly
State minimum liability	$511	$43
Full coverage (100/300/100 + comp & collision)	$1,671	$139
Full coverage, high limits + low deductible	$1,988	$166

Coverage level comparison for Indiana.

Car insurance rates in Indiana cities

Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 61 Indiana cities we price.

Indianapolis$1,913 Fort Wayne$1,781 Evansville$1,649 South Bend$1,649 Carmel$1,649 Bloomington$1,649 Hammond$1,649 Gary$1,649 Fishers$1,649 Lafayette$1,649 Muncie$1,649 Terre Haute$1,649 Noblesville$1,550 Kokomo$1,550 Greenwood$1,550 Anderson$1,550 Elkhart$1,550 Mishawaka$1,550 Lawrence$1,550 Jeffersonville$1,550 Columbus$1,550 West Lafayette$1,550 Portage$1,550 Westfield$1,550 New Albany$1,550 Richmond$1,550 Merrillville$1,550 Goshen$1,550 Valparaiso$1,550 Michigan City$1,550 Plainfield$1,550 Granger$1,550 Marion$1,468 Crown Point$1,468 Schererville$1,468 East Chicago$1,468 Hobart$1,468 Zionsville$1,468 Brownsburg$1,468 Franklin$1,468 Munster$1,468 Highland$1,468 La Porte$1,468 Clarksville$1,468 Greenfield$1,468 Fairfield Heights$1,468 Seymour$1,468 Shelbyville$1,468 Vincennes$1,468 Logansport$1,468 New Castle$1,468 Huntington$1,468 Broad Ripple$1,468 Avon$1,468 Griffith$1,468 Frankfort$1,468 Dyer$1,468 Crawfordsville$1,468 Lebanon$1,468 New Haven$1,468 Jasper$1,468

Frequently asked questions

▸How much is car insurance in Indiana?

Full coverage in Indiana is estimated at $1,671 a year, or $139 a month, for a 35-year-old with a clean record. A state-minimum policy is estimated at $511 a year.

▸What car insurance is required in Indiana?

Indiana requires $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage.

▸Is Indiana a no-fault state?

No. Indiana is an at-fault (tort) state, so the driver responsible for a crash — through their liability insurance — pays for the other party's injuries and property damage.

▸Which Indiana city has the cheapest car insurance?

Of the 61 Indiana cities we price, Jasper carries the lowest estimate at $1,468 a year, while Indianapolis is highest at $1,913. Urban density is the main driver of the gap.

▸How can I get cheaper car insurance in Indiana?

Re-quote at every renewal rather than letting the policy roll, raise your deductible to $1,000 if you can absorb it, bundle with home or renters cover, and ask specifically about low-mileage, defensive-driving and telematics discounts. The spread between the cheapest and most expensive carrier on an identical risk is routinely close to 2x.