Let's drop your rate in IN today!
Compare Indiana car insurance rates from top carriers
Discover quotes from top providers including:
How It Works
1. Answer a Few Questions
Tell us a bit about yourself and your vehicle to start comparing auto insurance quotes. It only takes a couple of minutes to get your personalized auto insurance options.
2. Compare Auto Quotes
We'll match you with top auto insurance providers so you can compare auto insurance quotes side by side and find the best value for your coverage needs.
3. Get Your Quote & Get Covered
Review your offers, get a quote, and choose the auto insurance policy that fits you best. It's fast, easy, and completely free.
Car Insurance in Indiana: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Indiana drivers pay about $1,698 a year for full coverage — roughly 37% below the national average. Indiana is an at-fault state that requires uninsured/underinsured motorist coverage on top of a 25/50/25 liability minimum. Here's the coverage you must carry, what Hoosiers pay, and how to find a cheaper rate.
Avg. full coverage
$1,698/yr
≈37% below U.S. avg.
Avg. minimum coverage
$446/yr
≈47% below U.S. avg.
State minimum
25/50/25
+ UM/UIM required
Fault system
At-fault (tort)
At-fault driver pays
vs. U.S. average
−37%
Well below average
Compare Indiana car insurance quotes from top carriersEnter your ZIP — it takes under 2 minutes
Minimum coverage required in Indiana
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per person / per accident |
| Property damage liability | $25k | Required |
| Uninsured motorist (BI) | $25k / $50k | Required (can be rejected in writing) |
| Underinsured motorist | $50k | Required (can be rejected in writing) |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Indiana premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $1,698/yr | 37% below U.S. | Comp + collision included |
| Minimum coverage | $446/yr | 47% below U.S. | Includes UM/UIM |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
See your real Indiana rate — not just averagesFree — no spam, no obligation
Indiana estimated rates by driver profile (2026)
Estimates anchor each profile to Indiana's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$1,698/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$2,428/yr | +43% | 1,698 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$2,106/yr | +24% | 1,698 × 1.24 (Bankrate avg) |
| DUI on record | ~$3,192/yr | +88% | 1,698 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$3,396/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$2,887/yr | +70% | 1,698 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Indiana: what helps and what hurts your rate
In your favor
- ✓Full-coverage premiums run about 37% below the national average
- ✓UM/UIM coverage included unless rejected in writing
- ✓Minimum coverage is among the cheapest nationally (~$446/yr)
- ✓Competitive market with national and regional carriers
Works against you
- ✗Credit history is a permitted rating factor
- ✗Indianapolis metro rates run above the state average
- ✗Winter weather raises collision claims
- ✗Liability + UM minimum still leaves no coverage for your own vehicle
Ready to compare Indiana carriers in your area?Free — no spam, no obligation
A closer look at car insurance in Indiana
Indiana pairs low premiums with stronger default protection than many cheap states, since UM/UIM is included unless you decline it. The cost gap between a minimum and a full-coverage policy is small, so collision and comprehensive are easy to justify. With credit and location still moving rates between carriers, a quick comparison keeps an already-low Indiana premium competitive.
Bottom line
Indiana is an affordable state with UM/UIM baked into the default. Because full coverage costs little more than the minimum, most drivers should carry it — and compare a few carriers to push the rate lower.
Ready to get quoted? Enter your ZIP to get startedWe'll connect you with carriers serving Indiana
Frequently asked questions about Indiana car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
AB Test AA Control: B