Updated: June 17, 2026
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Full coverage averages $84 a month ($1,009 a year) in Indiana. Minimum coverage runs $40 a month ($480 a year). Compared to the rest of the U.S., Indiana sits near the affordable end for car insurance.
Where you live within Indiana affects your rate more than the company you choose. Indiana's 15% uninsured driver rate exceeds the national average of 13%, adding to premiums for everyone. Tornadoes, hailstorms and ice storms drive up comprehensive costs statewide.
Minimum Coverage | $40 | $60 | $480 | $726 |
Full Coverage | $84 | $124 | $1,009 | $1,493 |
Indiana car insurance ranges from $42 a month for state minimum liability to $109 a month for minimum liability with a $0 deductible on comprehensive and collision. The standard full coverage benchmark (100/300/100 liability limits with a $1,000 deductible) averages $88 a month.
Adding comp/collision to minimum liability costs only $10 more a month. Indiana sees tornado and hail damage every year — that $10 covers your vehicle when it does.
One combination costs more than it's worth: minimum liability with comp/collision at a $250 deductible runs $93 a month, $5 more than the 100/300/100 full coverage benchmark at $88. That extra $5 buys a lower deductible but strips out the higher liability limits. Buy the benchmark.
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 |
Gary costs $114 per month for full coverage, but Lafayette costs $76 — a $38 monthly difference. Gary's rate, not Indianapolis, is the state's highest among major cities, driven by its location on the Chicago border: dense commuter traffic, high vehicle theft and heavy industrial truck activity push claim frequency well above the state average. Lafayette's lower crime rate and college-town traffic patterns keep full coverage $8 below the state average.
If you're a driver with a clean record, use these averages to know whether your company is overcharging you for insurance.
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 |
Indiana uses age and gender as a rating factor in pricing car insurance. Adding a 16-year-old male to a family policy costs $232 per month ($2,780 per year) in Indiana; a female teen driver costs less, $214 per month ($2,571 per year). A 40-year-old clean-record driver pays $88 per month, $144 less than a 16-year-old male.
Gender affects car insurance rates through the mid-20s. For age-specific breakdowns, see 16-year-old, 17-year-old and 18-year-old car insurance costs.
| 16 | $2,571 |
| 17 | $2,276 |
| 18 | $2,068 |
| 19 | $1,897 |
| 20 | $1,798 |
| 21 | $1,616 |
| 22 | $1,563 |
| 23 | $1,515 |
| 24 | $1,480 |
| 25 | $1,318 |
Indiana does not protect drivers from not-at-fault rate increases. A not-at-fault accident raises full coverage in Indiana by $4 per month, from $88 to $92.
A speeding ticket adds $24 per month ($294 per year). Texting while driving costs more than speeding — $123 per month versus $112, a $132 annual difference. An at-fault accident raises rates to $126 per month ($456 more per year). A DUI pushes premiums to $168 per month, a $959 annual increase over a clean record.
Drivers with serious violations may need to file an SR-22. Re-shop at the three-year mark after any violation to reap the most savings.
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% |
Indiana permits credit-based insurance scoring. Having bad credit raises full coverage from $82 to $230 per month in Indiana — a $148 monthly increase ($1,776 per year), or about 180%. Lower-income drivers face the steepest surcharges and gain the most from credit improvement.
Good Credit | $40 | $82 |
Bad Credit | $104 | $230 |
Difference | $64 | $148 |
The Tesla Model Y costs $157 per month for full coverage; the Ford F-150 costs $100. The Toyota Camry and Toyota Prius both come in at $112 per month — identical full coverage costs despite different drivetrains. See insurance costs by vehicle before your next purchase.
$51 | $614 | $100 | $1,200 | |
$52 | $624 | $102 | $1,224 | |
$54 | $646 | $106 | $1,266 | |
$57 | $687 | $112 | $1,342 | |
$57 | $690 | $112 | $1,349 | |
$60 | $721 | $118 | $1,412 | |
$68 | $816 | $133 | $1,590 | |
$80 | $963 | $157 | $1,880 | |
Seven factors determine what insurers charge you in Indiana. Credit score has the biggest impact at $148 per month. Indiana's company difference is pretty narrow at $18 per month — the top carriers are tightly clustered, making shopping still worthwhile but less dramatic than in other states.
1. The Car Insurance Company You Choose
GEICO charges $64 per month for full coverage; Auto Owners charges $82 — an $18 monthly difference. Although the top carriers are closely priced, $216 per year is still real money. Quote GEICO and Grange Insurance ($66 per month) before renewing.
2. Your Vehicle
The difference between insuring a Ford F-150 ($100 per month) and the Tesla Model Y ($157) is $57 per month ($684 per year). Every EV costs more than every gas vehicle in our study. The Camry and Prius are identical at $112 per month, so hybrid ownership carries no premium penalty here.
3. Your City
Gary costs $114 per month; Lafayette costs $76 — a $38 difference. Gary's Chicago-border location, not Indianapolis, is the state's most expensive market. Five cities in the table fall at or below the $84 state average. If your quote exceeds your city's average on a clean record, switch companies before adjusting coverage.
4. Your Driving Record
A DUI raises full coverage from $88 to $168 per month — $959 more per year. Texting while driving costs more than speeding ($123 versus $112). Indiana penalizes not-at-fault accidents by $4 per month. An SR-22 is required after serious violations. Re-shop at the three-year mark.
5. Your Age
A 16-year-old male on a family policy costs $232 per month versus $88 for a 40-year-old. The biggest drop is 24 to 25 for both male and female drivers — $268 per year for males, $162 for females. Re-shop at every birthday from 17 through 25 to get the biggest price drop.
6. Your Coverage Level
Minimum liability costs $40 per month; full coverage costs $84. Adding comp/collision costs $10 more a month and covers tornado and hail damage. Skip the $250 deductible option ($93 per month) — it costs more than the 100/300/100 benchmark while delivering less protection.
7. Your Credit Score
Bad credit nearly triples the minimum coverage rate and adds $1,776 per year to full coverage. Lower-income drivers have additional options to manage costs while improving their credit.
Indiana's top carriers are tightly priced, but the difference between GEICO and Auto Owners still runs $216 a year on the same profile. Your credit score, city and vehicle shift which carrier is cheapest for you.
Compare quotes from multiple insurers before renewing with at least three companies. See the cheapest car insurance in Indiana for expert-ranked options.
$33 | $64 | $401 | $773 | |
$37 | $66 | $445 | $793 | |
$35 | $71 | $414 | $851 | |
$36 | $77 | $430 | $922 | |
Auto Owners | $32 | $82 | $385 | $988 |
$45 | $71 | $536 | $853 |
Indiana car insurance ranges from $40 per month for minimum coverage to $84 for full coverage. These averages are for a 40-year-old driver with good credit. Your actual rate depends on your location, 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.
Yes. Indiana state regulations allow insurers to use credit-based insurance scores in setting prices. Bad credit raises full coverage from $82 to $230 per month — a $148 monthly difference, or $1,776 per year. Improving your credit is the largest single rate reduction available without changing your 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 produces 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. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.
