Updated: May 22, 2026
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Indiana car insurance is less than in most states, but drivers sometimes pay high premiums due to severe weather risks, such as tornadoes, and heavy traffic in cities like Indianapolis and Fort Wayne. Your age, driving experience and location are important influences on your rates.
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Car insurance in Indiana ranges from $40 per month for minimum coverage to $84 for full coverage. Indiana drivers save $484 annually compared to the national average for full coverage and $246 below the national average for minimum coverage.
| Minimum Coverage | $40 | $60 | $480 | $726 |
| Full Coverage | $84 | $124 | $1,009 | $1,493 |
Indiana ranks eighth for full coverage affordability at $84 per month. Ohio drivers pay $83 per month and Wisconsin drivers pay $87 per month, putting Indiana squarely in a competitive price range. Drivers in 43 other states pay more for full coverage, so Indiana residents get a better deal than most.
| Vermont | $75 | $902 | 1 |
| Ohio | $83 | $990 | 7 |
| Indiana | $84 | $1,009 | 8 |
| Wisconsin | $87 | $1,038 | 9 |
| Florida | $243 | $2,912 | 51 |
Many drivers carry no insurance, which forces insured drivers to pay higher premiums for uninsured motorist coverage to protect themselves from crashes with drivers who can't cover damages.
Indiana tornadoes, hailstorms and ice storms drive up comprehensive coverage costs across the state, accounting for hundreds of millions in claims each year.
The Indianapolis metro area concentrates nearly 30% of Indiana's population into a small geographic area, creating higher collision frequencies and vehicle theft rates than rural counties.
Indiana's comparative negligence laws also raise claim costs by allowing partial fault assignments in accidents. Lower-income drivers often have the highest rate increases from these factors, as they're more likely to live in high-density urban areas with greater exposure to uninsured motorists and severe weather. Rate differences between rural and urban areas can vary (see city rates below).
GEICO offers the cheapest full coverage in Indiana at $64 per month. Grange comes in at $66, Travelers at $71 and Auto-Owners at $82. That's an $18 gap between the cheapest and priciest options. Indiana drivers who shop around could save up to $216 a year by switching carriers. All rates use the same driver profile, so the differences reflect real savings.
Read more: Cheapest and Best Car Insurance Companies in Indiana
| Geico | $33 | $64 | $401 | $773 |
| Grange Insurance | $37 | $66 | $445 | $793 |
| Travelers | $35 | $71 | $414 | $851 |
| Indiana Farmers Insurance | $36 | $77 | $430 | $922 |
| Auto Owners | $32 | $82 | $385 | $988 |
| Progressive | $45 | $71 | $536 | $853 |
Rates vary by company because each insurer weighs risk factors differently, including your driving record, location, age and vehicle type. Insurers with a large Indiana customer base price driver profiles using local claims data, while carriers with fewer Indiana policies rely on broader regional figures. Some prioritize clean-record drivers and price aggressively for low-risk profiles; others specialize in higher-risk drivers dropped by standard carriers. The cheapest option for you depends on your driver profile, so comparing quotes directly is the most reliable way to find your best rate.
Your coverage level is one of the main cost factors you can control today, along with which company you choose. Minimum liability coverage in Indiana costs $42 per month, while adding comprehensive and collision with a $1,000 deductible brings your monthly premium to $52. That extra $10 per month covers damage to your own vehicle from accidents, theft, vandalism and weather.
Lowering your deductible can cost more than raising your liability limits. The most expensive coverage tier costs $109 per month for minimum liability plus comp/coll with a $0 deductible, making it the priciest option because you're asking your insurer to cover every dollar of vehicle damage.
| Minimum Liability Only | $42 | $508 |
| Min. liab. + comp/coll ($1,000 ded.) | $52 | $628 |
| Min. liab. + comp/coll ($2,000 ded.) | $69 | $825 |
| 100/300/100 liability + comp/coll ($1,000 ded.) | $88 | $1,055 |
| 50/100/50 liability + comp/coll ($500 ded.) | $90 | $1,080 |
| Min. liab. + comp/coll ($250 ded.) | $93 | $1,120 |
| 300/500/300 liability + comp/coll ($1,500 ded.) | $97 | $1,162 |
| Min. liab. + comp/coll ($0 ded.) | $109 | $1,307 |
Your deductible is the amount you pay out of pocket before insurance kicks in when you file a claim. A higher deductible lowers your monthly premium, while a lower deductible means you'll pay more each month but less if you need to use your coverage
The numbers in each row follow Indiana's liability format: bodily injury per person/bodily injury per accident/property damage per accident. Indiana requires minimum coverage of 25/50/25, meaning $25,000 for injuries to one person, $50,000 for total injuries per accident and $25,000 for property damage. It also requires you to carry uninsured motorist coverage. This minimum coverage protects others when you cause an accident, but won't fix your own car.
For example, the policy titled "100/300/100 liability + comp/coll ($1000 ded.)" breaks down as:
Learn more about types of car insurance coverages and how much car insurance you need.
Hammond drivers pay the most for full coverage in Indiana at $106 per month, 26% above the state average of $84. Evansville ranks second at $88 per month. Lafayette has the lowest rate at $76 per month, and Noblesville comes in at $79. Across the state's 10 most populous cities, rates range from $30 per month to $360 per year, a $360 annual difference between the highest and lowest rates.
| Gary | $114 | $54 |
| Hammond | $106 | $50 |
| Indianapolis | $98 | $47 |
| Evansville | $88 | $44 |
| Fort Wayne | $83 | $41 |
| South Bend | $82 | $41 |
| Bloomington | $82 | $40 |
| Fishers | $81 | $39 |
| Carmel | $80 | $39 |
| Lafayette | $76 | $37 |
Hammond's $106 monthly rate reflects its proximity to Chicago: dense traffic, higher vehicle theft and heavy industrial truck traffic all push up accident frequency. Lafayette drivers pay $30 less per month. The college town has lower crime rates and less congested roads, which accounts for the $360 annual gap between Indiana's most and least expensive cities.
Adding a 16-year-old to a family policy in Indiana costs $4,633 per year for males and $4,285 for females. This $348 difference shows how gender affects car insurance rates for teen drivers in Indiana.
A 16-year-old male saves $1,210 per year by staying on a family policy rather than getting individual coverage, which costs $5,843 annually. Car insurance rates drop steadily as young drivers gain experience through their early 20s and level off around age 25.
| 16 | $5,843 | $4,633 |
| 17 | $4,534 | $4,093 |
| 18 | $3,869 | $3,737 |
| 19 | $3,038 | $3,406 |
| 20 | $2,714 | $3,232 |
| 21 | $2,225 | $3,010 |
| 22 | $2,060 | $2,885 |
| 23 | $1,897 | $2,774 |
| 24 | $1,783 | $2,682 |
| 25 | $1,509 | $2,235 |
Full coverage in Indiana ranges from $88 per month for clean-record drivers to $168 after a DUI conviction. A speeding ticket bumps that to $112 per month, a 27% increase that adds $294 annually. Most violations affect rates for three to five years, though the timeframe varies by violation type.
A DUI conviction costs $168 per month, 91% more than the clean-record rate and $959 more per year. Insurers raise premiums after violations because the driving history signals higher claim risk. Drivers with serious violations may also need to file an SR-22 to keep their driving privileges.
| Clean Record | $88 | $1,055 | — |
| Accident (not at fault) | $92 | $1,106 | 5% |
| Speeding | $112 | $1,349 | 27% |
| Texting While Driving | $123 | $1,474 | 40% |
| Accident (at fault) | $126 | $1,511 | 43% |
| DUI | $168 | $2,014 | 91% |
Multiple violations can get you classified as high-risk in Indiana, which limits your carrier options and raises your premiums. High-risk drivers pay more and have fewer companies willing to cover them.
Indiana allows insurers to use credit-based scoring; the premium gap between good and poor credit is $148 per month for full coverage. Drivers with excellent credit pay $82 monthly for full coverage, while those with poor credit pay $230 monthly premiums. This 180% increase means bad credit costs Indiana drivers an extra $1,776 annually.
A better credit score can lower your premiums over time. Lower-income drivers have additional options to make coverage more affordable while working on their credit.
| Good Credit | $40 | $82 |
| Bad Credit | $104 | $230 |
| Difference | $64 | $148 |
The Ford F-150 is the most affordable vehicle to insure in Indiana at $100 per month for full coverage. The Tesla Model Y runs $157 per month, a $57 monthly gap and $684 annual difference. The Honda Civic falls in the middle at $102 per month. Check insurance costs by vehicle before your next purchase to budget accurately.
Electric vehicles cost more to insure because parts and specialized repairs are more expensive than on conventional vehicles. The Tesla Model Y's premium reflects the cost of replacing its battery pack, advanced sensors and proprietary parts that need specialized technicians.
| Ford F-150 | $51 | $614 | $100 | $1,200 |
| Honda Civic | $52 | $624 | $102 | $1,224 |
| Honda Accord | $54 | $646 | $106 | $1,266 |
| Toyota Camry | $57 | $687 | $112 | $1,342 |
| Toyota Prius | $57 | $690 | $112 | $1,349 |
| Toyota Rav4 | $60 | $721 | $118 | $1,412 |
| Tesla Model 3 | $68 | $816 | $133 | $1,590 |
| Tesla Model Y | $80 | $963 | $157 | $1,880 |
Your city, age, driving record and coverage level each affect what you pay for car insurance in Indiana. Any one of these factors can shift your annual premium by hundreds of dollars.
Indiana car insurance ranges from $40 per month for minimum coverage to $84 for full coverage. Your actual rate depends on your driving record, age, credit score and coverage choices.
Indiana drivers pay higher premiums due to severe weather like tornadoes and flooding that damage thousands of vehicles annually. The state's uninsured driver rate of 15% exceeds the national average of 13%, forcing insured motorists to pay more for uninsured motorist coverage.
We used this profile to determine auto insurance costs across all available ZIP codes and cities in Indiana:
Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.
Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
