How Much Does Auto Insurance Cost in Indiana?

Compare the best car insurance rates today.

If you live in Indiana, you must have auto insurance on any vehicle you drive. How much you pay depends on many things, including who you are, where you live, driving record and your vehicle. 

You can reduce your auto insurance rates by driving a safer car, or buying a policy with a higher deductible. Your deductible is how much you pay when you have an accident, before the insurance company steps in. Also, the better your driving record, typically the lower your rate.

Your rate is based on your chances of an accident. Your chances go up the more you drive, and the more cars there are on the road where you drive. Age and gender also play a role. Young men have more accidents than any other group of drivers.

Illinois car insurance costs

Average Cost for Car Insurance in Indiana by County

If you are looking to get an auto insurance policy in Indiana, you need to know the average costs. If the typical driver was to get a state minimum coverage policy these are the average costs by county in IN:

Costs by County:Sedan:SUV:Coupe:Truck:Hybrid:
Adams$579$527$651$622$677
Allen$589$534$648$620$680
Bartholomew$580$528$648$621$674
Benton$673$615$761$725$791
Blackford$579$527$651$622$677
Boone$589$534$656$629$686
Brown$631$575$713$683$740
Carroll$579$527$651$622$677
Cass$579$527$651$622$677
Clark$639$584$707$674$737
Clay$637$579$727$696$752
Clinton$579$527$651$622$677
Crawford$646$589$737$708$761
Daviess$646$589$739$708$765
Dearborn$604$553$683$653$710
Decatur$604$553$683$653$710
DeKalb$609$553$692$663$717
Delaware$578$526$637$609$668
Dubois$576$523$654$627$680
Elkhart$599$544$664$635$695
Fayette$571$519$641$612$668
Floyd$633$579$703$671$732
Fountain$637$579$727$696$752
Franklin$604$553$683$653$710
Fulton$625$570$711$682$738
Gibson$643$587$726$695$754
Grant$592$537$660$630$689
Greene$646$589$739$708$765
Hamilton$596$540$658$629$690
Hancock$614$558$679$650$710
Harrison$646$589$737$708$761
Hendricks$613$557$677$647$708
Henry$571$519$641$612$668
Howard$604$549$668$638$700
Huntington$579$527$651$622$677
Jackson$631$575$713$683$740
Jasper$662$605$752$716$779
Jay$579$527$651$622$677
Jefferson$646$589$737$708$761
Jennings$631$575$713$683$740
Johnson$592$537$658$631$691
Knox$628$571$717$688$742
Kosciusko$579$527$651$622$677
LaGrange$584$531$662$636$687
Lake$674$617$748$708$779
LaPorte$649$594$728$695$756
Lawrence$646$589$737$708$761
Madison$598$545$665$635$694
Marion$623$567$687$656$719
Marshall$625$570$711$682$738
Martin$646$589$737$708$761
Miami$579$527$651$622$677
Monroe$598$542$663$636$693
Montgomery$637$579$727$696$752
Morgan$581$528$644$618$677
Newton$673$615$761$725$791
Noble$609$553$692$663$717
Ohio$646$589$737$708$761
Orange$646$589$737$708$761
Owen$646$589$739$708$765
Parke$637$579$727$696$752
Perry$604$552$691$667$716
Pike$612$558$697$669$723
Porter$663$606$736$704$766
Posey$641$585$720$689$749
Pulaski$625$570$711$682$738
Putnam$637$579$727$696$752
Randolph$571$519$641$612$668
Ripley$604$553$683$653$710
Rush$604$553$683$653$710
Scott$646$589$737$708$761
Shelby$584$530$650$623$678
Spencer$646$589$737$708$761
St. Joseph$589$537$653$624$684
Starke$662$605$752$716$779
Steuben$584$531$662$636$687
Sullivan$671$614$770$740$794
Switzerland$646$589$737$708$761
Tippecanoe$568$516$627$600$656
Tipton$579$527$651$622$677
Union$571$519$641$612$668
Vanderburgh$651$595$721$689$752
Vermillion$637$579$727$696$752
Vigo$632$578$710$681$736
Wabash$579$527$651$622$677
Warren$579$527$651$622$677
Warrick$630$576$710$681$738
Washington$631$575$713$683$740
Wayne$558$509$626$600$652
Wells$579$527$651$622$677
White$625$570$711$682$738
Whitley$579$527$651$622$677

Things to Know about Indiana Auto Insurance

Your policy must have uninsured and underinsured motorist protection unless you reject it in writing. You must have liability insurance, but the state also wants you to have protection in case the other driver doesn’t have enough insurance.

You have to carry at least this much insurance:

Your insurance company must offer this much underinsured protection with every policy:

Your insurance agent must send a Certificate of Compliance to the BMV after every accident or violation.

You can go without insurance if you can prove your financial responsibility according to IC 9-25-4-7. This is much more expensive than insurance. You have to either post a bond or make a very large deposit.

Moving to Indiana: Important Information

After you move to Indiana, you have 60 days to get an Indiana driver’s license. If you have a valid driver’s license from another state, you can exchange it for an Indiana license. You will need to bring a copy of your driving record and pass a knowledge and vision test. You must also bring ID to get your driver’s license. You need to prove who you are and that you are in the U.S. legally.

If you do not have a valid license from another state, you must first get a learner’s permit. You must have the learner’s permit for 180 days before you can apply for an Indiana driver’s license.

When you bring a car from another state, you have 60 days to title and register it in Indiana.

Understanding Driving Laws in Indiana

Every driver in Indiana must follow its driving laws. Indiana has laws for seat belt use, cellphone use, and headlight use. You must turn your headlights on at any time between dusk and dawn and use them whenever visibility drops below 500 feet.

Everyone in a car must wear a seatbelt whenever it’s moving. Children between 8 and 15 must wear seat belts at all times. Children under 8 need either a child safety seat or a booster depending on how big they are.

No one is allowed to text while driving in Indiana. Teen drivers cannot use phones at all, but adults can make calls.

Frequently Asked Questions About Indiana Auto Insurance

Can every driver in Indiana get insurance?

Indiana has a program to make sure every driver has insurance. Every insurance company must take part in it, and cover their share of difficult cases.

How easily can companies cancel policies?

After 60 days, the insurance company cannot cancel your policy without a reason. Your policy can be cancelled if you do not pay, or if you lose your license.

How hard is it to reinstate lapsed insurance in Indiana?

You will pay more for insurance if you let it lapse. You have to pay a reinstatement fee and many insurance companies also impose a surcharge for a new policy.

How to Get Great Rates on Indiana Auto Insurance

Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance quotes within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

Indiana Auto Insurance Resources

If you want to know about more than just Indiana auto insurance quotes, we’ve provided you with some informative websites:

Indiana Department of Insurance

Information and resources on the laws governing insurance in Illinois

http://www.in.gov/idoi/

Indiana Cell Phone Driving Laws

Can you talk and drive in Indiana?

http://www.ghsa.org/html/stateinfo/laws/cellphone_laws.html

insuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.