This content is powered by, a accredited indemnity manufacturer ( NPN : 8781838 ) and a corporate consort of LLC services are only available in states were it is licensed and policy coverage through may not be available in all states. All policy products are governed by the terms in the applicable policy policy, and all relate decisions ( such as approval for coverage, premiums, commissions and fees ) and policy obligations are the sole duty of the cover insurance company. The data on this web site does not modify any policy policy terms in any way. is an autonomous, advertising-supported publisher and comparison avail. We are compensated in central for placement of sponsor products and, services, or by you clicking on certain links posted on our web site. consequently, this compensation may impact how, where and in what order products appear within listing categories. other factors, such as our own proprietary web site rules and whether a product is offered in your area or at your self-selected credit score scope can besides impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every fiscal or recognition intersection or service. We ’ rhenium crystalline about how we are able to bring choice subject, competitive rates, and useful tools to you by explaining how we make money. Bankrate follows a stern editorial policy, so you can trust that our capacity is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right fiscal decisions. The content created by our column staff is objective, factual, and not influenced by our advertisers.

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How much is car insurance in Indiana?

many factors can affect your actual car indemnity bounty, such as your historic period, driving commemorate, location and the vehicle indemnity carrier you choose, making it unmanageable to precisely determine the price of car policy in Indiana.

however, average car indemnity rates across the submit are lower than the national average car indemnity price of $ 565 for basic and $ 1,674 for full coverage. indeed if you live in Indiana ( or plan on moving there ), your premiums are likely lower than in many other states. however, you can still probably save on coverage by getting quotes from some of the cheaper carriers in Indiana .

Indiana car insurance rates by company

Take a look at Indiana car insurance rates by carrier and notice how much annual premiums can vary between companies for the same type of coverage. The Hanover offers wax coverage premiums at a whopping average of $ 4,355, while Pekin ’ south average entire coverage rate is just $ 673 for the year .

Indiana car insurance rates by city

Residents of larger metropolitan areas typically pay more for car insurance. The following table shows the state of matter ’ s 20 largest cities by population and how Indiana car policy rates vary by city .

City Average annual premium for full coverage % increase in average annual premium
Indianapolis $1,371 9%
Fort Wayne $1,203 -4%
Evansville $1,308 4%
South Bend $1,223 -2%
Fishers $1,168 -7%
Bloomington $1,221 -3%
Hammond $1,835 46%
Gary $1,958 56%
Carmel $1,146 -9%
Muncie $1,151 -8%
Lafayette $1,146 -9%
Terre Haute $1,266 1%
Anderson $1,231 -2%
Elkhart $1,188 -5%
Noblesville $1,160 -7%
Mishawaka $1,201 -4%
Jeffersonville $1,349 8%
Lawrence $1,386 11%
Kokomo $1,202 -4%
Greenwood $1,216 -3%

Indiana car insurance rates by age

New, young drivers will about always pay more for car policy compared to older ones. Although the rates reflected indicate that teens and drivers under 25 yield the highest rates, keep in mind that maintaining a good driving record is keystone to getting endlessly lower premiums as you historic period. *16-year-old calculated on rear ’ s policy disclosure

Indiana car insurance rates by driving record

One of the most authoritative things to keep premiums low is to focus on safe driving habits and invalidate accidents, moving violations, particularly DUIs. A unmarried accelerate ticket in Indiana could increase your car policy by 18 percentage on average. And a DUI is probable to raise your rates by around 50 percentage, which is a massive increase if you are on a close budget .

Driving incident Average annual full coverage premium in Indiana % increase in average annual premium
Speeding ticket $1,522 18%
Accident $1,786 30%
DUI $2,339 46%

How to save on car insurance in Indiana

If you are concerned you may not be able to afford car policy in Indiana, there are a few ways you might be able to lower your premiums strategically :

  • Drivers with past accidents or tickets: If you have a speeding ticket or recent accident, the first thing you should do is to check and see if you can attend an approved traffic school or defensive driving course to wipe the points off your record. Most can be completed online from home in a few hours and, if approved by your insurance company, could lower your premiums over two to three years.
  • Young drivers: Young drivers should consider adding their vehicle to a parent’s policy to save. As you can see in the rates of a 16-year-old on a parental policy versus an 18-year-old on an individual policy, the premium difference can be significant.
  • Drivers in Gary or Hammond: If your premiums are higher because of where you live, ask your insurance company for discounts that could offset higher rates. Some reductions you may be able to request include discounts for parking your car inside a private garage or low-mileage discounts if you are currently working from home.
  • Find the cheapest carrier: Shopping around for car insurance is the most effective way to save on coverage. Choose several carriers in your area and collect quotes to compare. You may decide to switch carriers if you can save a considerable amount on your car insurance.

Frequently asked questions

How much is car insurance in Indiana per month?

Based on the modal cost of car insurance in Indiana of $ 367 per class for minimal coverage and $ 1,254 per year for full indemnity, your monthly car indemnity payment may be roughly $ 30 or $ 105 per calendar month. actual rates will vary, so you should consider shopping around to determine what carriers will charge you .

What is the cheapest car insurance in Indiana?

While there may be other carriers in your sphere that we haven ’ thyroxine reviewed, Bankrate found that some of the cheapest car insurance in Indiana comes from USAA, Auto-Owners and State Farm. You will probably placid want to get quotes from multiple carriers to find the best rates.

When do I need full coverage car insurance?

The easiest direction to determine whether wax coverage car insurance is the best choice is by looking at your fiscal picture. If you have assets such as a home or other vehicles, a judgment against you could cause you to lose your family to pay for a lawsuit. Full coverage could lower the chances of such a situation. You will most probable need full car policy if you lease your fomite or have a car loanword .


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean repel record, good credit and the succeed full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimal coverage limits, Bankrate used minimal coverages that meet each department of state ’ randomness requirements. Our floor profile drivers own a 2019 Toyota Camry, commute five days a week and force 12,000 miles annually .

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