How Much Is Indiana Car Insurance?

Average Monthly Rate
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Recent Quotes

  • Infinity $165/mo

    2013 Ford Fusion - IN

  • Foremost Auto $58/mo

    2007 Buick Rendezvous - IN

  • ClearCover $77/mo

    2013 Chrysler 200 - IN

  • Mercury $81/mo

    2013 Ford Escape - IN

  • ClearCover $135/mo

    2011 Infiniti G37 - IN

  • Dairyland $79/mo

    2011 Ford Transit Connect - IN

  • General $116/mo

    2012 Chevrolet Impala - IN

  • Liberty Mutual $145/mo

    2007 Jeep Liberty - IN

  • Metlife $49/mo

    2005 Cadillac Deville - IN

  • Safe Auto $58/mo

    2016 Kia Soul - IN

  • General $78/mo

    2014 Chevrolet Cruze - IN

  • 21st Century $48/mo

    2005 Honda Civic - IN

Affordable Car Insurance in Indiana

Car insurance rates in the beautiful Midwestern state of Indiana are a bit below the U.S. average, but that doesn’t mean they can’t put a strain on a monthly budget. Plus, rates vary significantly from driver to driver. Factors used to calculate auto insurance premiums include gender, age, marital status, car use, policy limits, deductibles, claims history, driving history, location, type of car, and credit scores.

Shopping around to compare quotes is one of the most effective ways to minimize your premium payments, especially without sacrificing comprehensive enough coverage. SmartFinancial instantly analyzes various factors to hone in on the best coverage and rates for your needs, all in an objective, carrier-neutral way.

Indiana Car Insurance

Cheapest Auto Insurance Rates in Indiana

Carriers look at multiple variables when determining your insurance rate. Your age, location, driving history, and state requirements are all factors in determining the price you pay. We used our in-house reporting to determine the companies that offer the cheapest car insurance rates in Indiana. USAA came in with the lowest rate currently available in Indiana at $66.03 per month. Followed by Pekin Insurance at $75.75 per month and Erie at $89.63 per month.

Lowest Rate

USAA

$66.03
Highest Rate

Hanover

$501.18
Average Rate

Indiana

$86
RankCompanyAvg monthly rate
1 USAA $66.03 / month
2 Pekin Insurance $75.75 / month
3 Erie $89.63 / month
4 State Farm $91.92 / month
5 Buckeye Insurance Group $94.00 / month
6 GEICO $96.83 / month
7 Cincinnati Insurance $104.09 / month
8 Grange Mutual $104.41 / month
9 Progressive $104.45 / month
10 Auto-Owners Insurance Co $104.93 / month
11 Westfield $107.87 / month
12 Indiana Farmers Mutual Ins $111.76 / month
13 Utica National Ins Group $127.20 / month
14 Hastings Mutual Insurance Co $128.52 / month
15 Motorists Mutual $131.97 / month
16 United Farm Bureau of IN Group $133.69 / month
17 Farmers $134.79 / month
18 Nationwide $136.08 / month
19 Allied $137.90 / month
20 American Family $142.99 / month
21 Victoria $151.79 / month
22 Western Reserve $153.07 / month
23 Allstate $154.00 / month
24 Travelers $156.94 / month
25 Celina Insurance Group $163.79 / month
26 Metropolitan $197.98 / month
27 Safe Auto $204.01 / month
28 State Auto $240.81 / month
29 Hanover $501.18 / month

Top 10 Cheapest Cities for Car Insurance

If you are lucky enough to live in one of these cities you are likely paying some of the lowest car insurance rates available in Indiana. According to our data, Anderson comes in at the cheapest at only $76.51 per month. Other cities that made the top 10 list include Kokomo at $77.83 per month, Terre Haute at $79.26 per month, and New Albany at $80.78 per month.

RankCityAvg monthly rate
1 Anderson, IN$76.51 / month
2 Kokomo, IN$77.83 / month
3 Terre Haute, IN$79.26 / month
4 New Albany, IN$80.78 / month
5 Muncie, IN$81.17 / month
6 South Bend, IN$82.49 / month
7 Elkhart, IN$82.68 / month
8 Lafayette, IN$84.93 / month
9 Columbus, IN$85.01 / month
10 Evansville, IN$85.63 / month

Top 10 Most Expensive Cities for Car Insurance

These top 10 cities ranked as the most expensive places in Indiana for car insurance. Location is a big factor when determining the price you pay for car insurance and these cities came in at the top. Hammond is the most expensive city in Indiana at $112.95 per month. Second and third place goes to Jeffersonville at $112.69 per month and Gary at $102.68 per month.

RankCityAvg monthly rate
1 Hammond, IN $112.95 / month
2 Jeffersonville, IN $112.69 / month
3 Gary, IN $102.68 / month
4 Greenwood, IN $97.93 / month
5 Noblesville, IN $96.17 / month
6 Indianapolis, IN $95.19 / month
7 Valparaiso, IN $91.84 / month
8 Fort Wayne, IN $89.83 / month
9 Bloomington, IN $89.48 / month
10 Evansville, IN $85.63 / month

Average Quotes by Top Companies

Rates can vary wildly from company to company. Here is a quick look at a few rates from some of the top car insurance companies in Indiana.

Compare Recent Car Insurance Quotes in Indiana

SmartFinancial helps thousands of drivers every day find and compare the best car insurance rates available. Here is a list of some recent quotes that we recently found for drivers in Indiana.

CompanyMonthly rateVehicle
Infinity $1652013 Ford Fusion
Foremost Auto $582007 Buick Rendezvous
ClearCover $772013 Chrysler 200
Mercury $812013 Ford Escape
ClearCover $1352011 Infiniti G37
Dairyland $792011 Ford Transit Connect
General $1162012 Chevrolet Impala
Liberty Mutual $1452007 Jeep Liberty
Metlife $492005 Cadillac Deville
Safe Auto $582016 Kia Soul
General $782014 Chevrolet Cruze
21st Century $482005 Honda Civic

Methodology

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Minimum Car Insurance Coverage in Indiana

Indiana law requires that drivers carry at least $25,000 per person of bodily injury liability, $50,000 per accident of bodily injury liability, and $10,000 per accident of property damage liability.

Indiana is a tort state when it comes to auto accidents. This means the insurance company of the driver found at fault in an accident must pay damages to everyone injured in the accident.

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$25,000

Bodily injury coverage per person

Maximum payment for serious or permanent injury or death to a single person

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$50,000

Bodily injury coverage per accident

Maximum payment for serious or permanent injury or death to multiple people

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$10,000

Property damage per accident

Maximum payment for all damaged property in an accident caused by you

Although laws in Indiana do not require drivers to carry comprehensive and collision insurance, most lenders insist on this level of financial protection when financing a vehicle. The cost of this extra insurance should be factored into your overall monthly payments when considering an auto loan.

Optional Coverage in Indiana

  • Auto Loan/Lease (or "gap")
  • MedPay
  • Comprehensive
  • Collision
  • Personal Injury Protection
  • Uninsured Drivers
  • Rental Car
  • Customized Parts and Equipment
  • Emergency Road Service
  • Towing and Labor
  • Travel Expenses

Because the minimum amount of required coverage may not fully cover your bills if you’re involved in an accident, consider adding optional coverages to your policy. Below is a list of possibilities, though some exclusions will apply.

Think you could do better on your coverages or your premiums? Check out our blog post 20 Reasons to Get a New Auto Insurance Quote.

Indiana Car Safety

Indiana Car Safety

While none of us are big fans of monthly bills, auto insurance isn’t just another expense. It’s there for your financial protection, and you’ll definitely be grateful for it should you have the misfortune of ending up in an accident. Coverage ensures you’re not left to fend for yourself if your vehicle needs repairs, you miss work, or you need medical treatment. Remember, no matter how safe and responsible a driver you are, the actions of other drivers are beyond your control.

While traffic fatality rates have decreased in Indiana over the last 10 years, the numbers are still much too high. And while a significantly higher percentage of traffic accidents occur in urban areas, most fatalities occur in rural areas of the state, likely due to higher speeds and longer travel times for emergency care providers. Speeding, alcohol use while driving, and improper use of restraint devices also contribute to Indiana’s high number of traffic accidents and fatalities.

Car Safety for Indiana Kids

Child passenger safety laws in Indiana require that all kids less than 8 years old be properly restrained in an approved child restraint system. This can include a car seat or belt-positioning booster seat.

Children under 12 months should always ride in a rear-facing child safety seat, and they should remain rear facing until they reach the top weight and height requirements allowed for their car seat. After this time, and up until the age of 3 years, they should ride in a forward-facing seat with a harness.

A booster seat in the back seat is appropriate for most children ages 4 through 7 years. Children 8 and older should continue to ride in a booster seat until they are tall enough to fit properly in a standard seat belt. For a seat belt to fit correctly, the lap belt should lie snugly across the upper thighs, never the stomach, and the shoulder belt should cross the shoulder and chest, not the face or neck.

Children should remain in the back seat through the age of 12 years to reduce the risk of injuries associated with accidents and airbag deployment. For more information on Indiana’s car seat laws, visit the Indiana Criminal Justice Institute online.

Temperatures inside a parked vehicle can rise rapidly, putting unattended children at risk of injury, brain damage, and death. Never leave a child (or pet) unattended in a car, even if the windows are cracked or even if it’s cool outside.

If you see an unattended child, Indiana urges you to call 911 immediately. It is not your responsibility to determine whether the child is in danger. Emergency professionals are trained to do so and to act accordingly.

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205,532

Indiana traffic collisions 2014

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829

Traffic fatalities in 2015

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41,776

Average cost of collisions involving an alcohol-impaired driver

Driving Green in Indiana

Driving green in Indiana

ndiana features classic Midwest American landscapes, and farming is crucial to the state economy, so protecting the environment is on a lot of people’s minds there. The state itself has become more proactive in recent years as going green has become increasingly important, particularly in places like Indiana where manufacturing is such a predominant industry.

Drivers in the state who are interested in adopting more eco-friendly driving practices can enjoy financial rewards for doing so. Some incentives offered to green-minded drivers in Indiana include:

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Emissions Test Exemptions for Fuel-Efficient Vehicles

In the state of Indiana, drivers of certain fuel-efficient vehicles are not required to undergo emissions testing. These vehicles include electric vehicles, diesel-powered vehicles, and newer vehicles. However, the Indiana Bureau of Motor Vehicles only requires tests in Porter and Lake Counties.

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Insurance Discounts and Tax Incentives

Green drivers in Indiana may qualify for insurance discounts on hybrid cars, alternative fuel vehicles (AFVs), and economy cars. Additionally, motorists may be eligible for various tax breaks and credits at the state and federal level, although most of these apply to businesses. Federal tax incentives for vehicle owners apply to hybrids, plug-in hybrids, AFVs, electric cars, and biodiesel vehicles.

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Alternative Fuel Vehicle Rebates and Grants

State residents can apply for state and private rebates, such as the E85 Fuel Use Incentive for Flexible Fuel Vehicles. This state rebate offers monthly payments to political subdivisions purchasing E85 fuel for flexible fuel vehicles. Another rebate, the Citizens Energy Group Rebate for Natural Gas Vehicles, is offered by Citizens Energy Group and applies to the purchase of or conversion to certain compressed natural gas vehicles or bi-fuel CNG cars. A variety of Clean Transportation Grants are also available.

Indiana Car Insurance FAQ

Indiana car insurance faq

Is my credit score a factor when obtaining car insurance in Indiana?

Yes. In fact, according to WalletHub, premiums in Indiana fluctuate more than nearly every other location in the country based on a driver’s credit score.

Does Indiana offer a good-driver discount?

Indiana insurance companies reward good drivers with lower insurance rates. This discount is generally reserved for motorists who have had no moving violations or at-fault accidents in several years. But being a safe driver isn’t the only way to save. Indiana drivers may qualify for other discounts, such as:

  • Accident-Free
  • Claims-Free
  • Teen Driver
  • Multi-Car
  • Distant Student
  • Alternative Fuel
  • Homeowner
  • Defensive Driver
  • Good Student
  • Anti-Lock Brake
  • Anti-Theft Device
  • Multiple Line
  • Passive Restraint
  • Vehicle Safety

Does Indiana allow the use of digital insurance cards?

Yes, digital proof of insurance has been legal in the state since 2013. Drivers can show evidence of financial responsibility using a smartphone app provided by their insurance company.

What happens if my coverage lapses?

If you’re caught driving without the proper amount of insurance in Indiana, your driver’s license can be immediately suspended for 90 days to 1 year.

What are Indiana's blood alcohol concentration (BAC) percentage limits under the state's driving under the influence (DUI) laws?

It’s illegal for people to drive a vehicle in Indiana with the following BAC percentages:

.08%+ for 21 years old or older
.04%+ for commercial vehicle drivers
.02%+ for under 21 years old

In Indiana, you can be charged with operating a vehicle while intoxicated (OWI) if you have a BAC or any illegal drugs in your system. This is true even if your driving ability seems intact. You can also be charged if you drive while impaired, no matter what amount of alcohol or drugs you’ve consumed.

What are the chemical test refusal penalties in Indiana?

If you’re driving a vehicle in Indiana, you’ve agreed to a chemical test to determine how much alcohol is in your system. Refusing to consent to this test will result in suspension of your driver’s license.

What are the consequences of being convicted of a DUI?

Penalties for an OWI or DUI charge are stiff in Indiana. First-time offenders may face 60 days to 1 year in prison, $500 to $5,000 in fines, and up to 2 years with a suspended license. These increase with subsequent offenses, and by a third offense, and ignition interlock device is typically mandated.

While most states have a “lookback” period in which they count prior convictions in determining whether an offense is a repeat offense often 3 or 5 years), Indiana courts consider two periods—5 and 10 years—when sentencing.

Does Indiana offer driver improvement courses to reduce my insurance premium?

Most drivers take driver improvement courses to remove points from their license, but you may also be able to complete one to qualify for discounts on your auto insurance. Just make sure any course you take is approved by the Indiana Bureau of Motor Vehicles (BMV).

Is there any way I can reduce the cost of my Indiana car insurance?

Many drivers opt to risk a higher deductible in exchange for lower monthly premiums. As noted above, as an Indiana resident, your rates are more affected by your credit score than any other state’s. So, monitor your credit score regularly for mistakes and work to improve your credit or maintain it if your score’s already high.

And remember to be a diligent comparison shopper… which you can do now with the click of a button!

What is uninsured motorist coverage and is it required in Indiana?

Indiana auto liability policies must include uninsured motorist coverage unless it is rejected in writing. This type of insurance is an important protection if you’re involved in an accident with an uninsured or underinsured driver.

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