Car Insurance in Indiana
Indiana requires drivers to carry at least 25/50/25 in liability coverage. As an at-fault state, the driver who causes a crash is responsible for the other party’s injuries and damage.
We compare quotes from carriers like
Indiana at a glance
Data as of 2023Average cost
$926/yr
≈ $77/mo
vs U.S. average
-28%
below the national avg of $1,282/yr
Required minimums
25/50/25
BI / BI per accident / PD ($K)
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Indiana requires drivers to carry at least 25/50/25 in liability coverage. As an at-fault state, the driver who causes a crash is responsible for the other party’s injuries and damage.
Indiana policies include uninsured/underinsured motorist coverage by default, though you can reject it in writing. Comparing quotes is the easiest way to find affordable coverage.
Indiana minimum car insurance requirements
Indiana requires $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability. Uninsured/underinsured motorist coverage is included unless you reject it in writing. Lenders require collision and comprehensive on financed vehicles.
Uninsured/underinsured motorist coverage is included by default but can be rejected in writing.
How much does car insurance cost in Indiana?
The average driver in Indiana pays $926 per year for auto insurance — that's 28% below the U.S. national average of $1,282/yr. Lower-than-average rates often reflect lower traffic density, fewer claims per insured vehicle, or less stringent coverage requirements.
Indiana vs the national average
28% below the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Indiana premiums have changed since 2019
Auto insurance costs in Indiana have risen 19% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Indiana vs national average
Indiana is up 19% from $781 in 2019 to $926 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Indiana policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Indiana
Driving uninsured in Indiana can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. If you cause an accident while uninsured, you can also be held personally responsible for the other party's injuries and damage. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Indiana
Rates for the same driver can vary widely between insurers in Indiana, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 28, 2026. Always confirm current minimums with your state’s Department of Insurance.
Indiana car insurance FAQs
Common questions about auto insurance in Indiana
Ready to Start Saving on Car Insurance?
Compare car insurance quotes from top carriers and find the coverage that fits your needs and budget.