Indiana Car Insurance Quotes & Rates (2026)

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

Compare free car insurance quotes in Indiana

For a 40-year-old driver with a clean record, Indiana car insurance averages about $180 a month ($2,156 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 23% below the national average in our data. It’s higher than in Ohio but lower than in Illinois, Kentucky and Michigan. Full-coverage averages statewide run from about $105 to $233 a month across the four insurers we price.

Where you live matters. Northwest Indiana costs the most in our data: Lake County, next to Chicago, averages about $228 a month for full coverage. Southern counties such as Harrison ($201) and Orange ($200) are next. Wayne County, home to Richmond, is the least expensive of the 86 counties we price, at $157. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 299 Indiana ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.

What’s the Average Cost of Car Insurance in Indiana per Month?

The average cost of car insurance in Indiana is about $180 a month ($2,156 a year) for full coverage and $49 a month ($583 a year) for liability-only coverage at 25/50/10 limits, below Indiana’s 25/50/25 minimum. That’s for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Indiana averages $2,156 a year, or about $180 a month, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $583 a year ($49 a month), and 50/100/50 liability with comprehensive and collision averages $2,153 ($179 a month).

• Full coverage (100/300/100, $500 deductibles): $2,156 a year ($180 a month)
• 50/100/50 with $500 deductibles: $2,153 a year ($179 a month)
• Liability only (25/50/10): $583 a year ($49 a month)
• Indianapolis: $2,308 a year ($192 a month) for full coverage
• Fort Wayne: $2,040 a year ($170 a month) for full coverage
• Gary: $3,241 a year ($270 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Indiana Compares With Neighboring States

Indiana’s average is about $21 a month below Illinois’, $49 below Kentucky’s, $174 below Michigan’s and $43 above Ohio’s. It’s the 14th-lowest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Indiana: Companies Compared

• Full-coverage range: about $105 to $233 a month across the four insurers in our rate data, for the same driver and car.
• Lowest liability-only average (25/50/10): Progressive, at about $28 a month, then Auto-Owners at $37.
• State Farm (Nov. 2025 rates)*: about $196 a month for full coverage, from its November 2025 rates.
• Also on our list: USAA at about $87 a month, GEICO at $101, Travelers at $119, Indiana Farmers at $184 and Farmers at $202 (USAA sells only to military families).
• Most expensive in our data: Allstate, at about $233 a month for full coverage.

Progressive’s Indiana average, about $105 a month, is 35% below Auto-Owners’ ($161), a lead wide enough that we show the range instead of naming a single cheapest insurer. The recent published statewide Indiana rate studies we reviewed are split on which insurer is cheapest for full coverage: two of the five put GEICO first, two Travelers and one Progressive, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among the insurers we price, at about $28 a month, followed by Auto-Owners at $37.

These are statewide averages for our benchmark driver. See how we calculated these rates.

See What You’d Pay in Indiana

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

Rates change by city and ZIP code across Indiana. Enter yours to compare quotes.

How Indiana’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved since November 2025.

Are Car Insurance Rates Going Up in Indiana?

Not by much, for our benchmark driver. Comparing the same insurers in the same Indiana ZIP codes, full coverage averaged $2,158 a year in rates as of Nov. 30, 2025, and $2,156 as of Aug. 31, 2026, a 0.1% drop. Progressive cut its Indiana average 2.2% and Auto-Owners 1.1%, while Indiana Farm Bureau raised its average 1.5%; Allstate’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/10 limits fell 1.7%, led by Indiana Farm Bureau, which cut its liability-only average 5.8%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Indiana Car Insurance Costs

Indiana’s full-coverage average is the 14th-lowest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• Lake County. Lake County is the most expensive county in our data, and Gary averages $270 a month, about 50% above the state average. Indianapolis averages $192, Fort Wayne $170 and Evansville $170.
• Uninsured motorist coverage. Every new Indiana policy includes uninsured and underinsured motorist coverage unless you reject it in writing.
• How rates are set. Indiana insurers must file their rates with the Department of Insurance before they use them.

Indiana Car Insurance Rates by City

Among cities with at least three ZIP codes in our data, Gary is the most expensive, at $270 a month for full coverage, followed by Hammond at $255 and Indianapolis at $192. Muncie and Lafayette are the least expensive, at about $159 each. Across all 197 cities and towns we price, averages run from about $282 in East Chicago to $156 in Richmond.

The table lists all 197 Indiana cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Indiana City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Indiana Car Insurance Rates by County

Lake County is the most expensive county in our data, at about $228 a month for full coverage, followed by Harrison County ($201) and Orange County ($200). The least expensive are Wayne County ($157) and Delaware, Decatur and Tipton counties (each $159). We price 86 of Indiana’s 92 counties.

How Much More Does Better Coverage Cost in Indiana?

Raising liability limits from 50/100/50 to 100/300/100 barely changes the average statewide in our data: with the same $500 deductibles, full coverage averages $2,156 a year and 50/100/50 averages $2,153. Across the four insurers, the change runs from $75 less a year (Auto-Owners) to $80 more (Indiana Farm Bureau). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Auto-Owners charge less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Indiana Car Insurance Rules at a Glance

What Car Insurance Is Required in Indiana?

Indiana drivers must carry liability insurance, according to the Indiana BMV. The minimum policy is:

• $25,000 per person and $50,000 per crash in bodily injury liability.
• $25,000 in property damage liability, up from $10,000 since July 1, 2018.

Every new Indiana policy also includes uninsured and underinsured motorist coverage unless you reject it in writing, according to the Department of Insurance. Those limits match your bodily injury liability limits unless you choose otherwise, under IC 27-7-5.

If the BMV asks for proof of insurance after a crash or certain violations, your insurer must file it within 90 days or your license is suspended, according to the BMV. A suspension for driving uninsured lasts until you file an SR22 and keep it for 180 consecutive days, according to the BMV. Reinstatement fees are $250 for a first suspension, $500 for a second and $1,000 for a third or later, and they’re waived if you keep the SR22 for those 180 consecutive days, under IC 9-25-6.

Indiana uses modified comparative fault: you can’t recover damages if your fault is greater than everyone else’s combined, and otherwise your recovery is reduced by your share, under IC 34-51-2.

How to Lower Your Car Insurance Rate in Indiana

1. Quote several insurers. Among the insurers we rank in Indiana, the lowest and highest averages are about $128 a month apart for the same driver and car.
2. Compare Progressive and Auto-Owners first. They have the two lowest full-coverage averages among the insurers we rank in Indiana, about $105 and $161 a month.
3. Think twice before rejecting uninsured motorist coverage. New Indiana policies include it unless you reject it in writing (a rejection carries over to your renewals), and it pays for your injuries when the at-fault driver has no insurance or too little. Our full-coverage prices include it at 100/300.
4. Don’t drive uninsured. An Indiana suspension for driving without insurance lasts until you file an SR22 and keep it for 180 consecutive days, according to the BMV.
5. Know how credit is used. Indiana insurers may use credit information in pricing, but they can’t deny, cancel or nonrenew a policy based solely on it, according to a 2010 Department of Insurance bulletin.
6. Get help with a claim or complaint. The Indiana Department of Insurance takes consumer questions and complaints at 800-622-4461.
7. Compare at every renewal. Since November 2025, Progressive has cut its statewide average 2.2% and Auto-Owners 1.1%, while Indiana Farm Bureau has raised its average 1.5%, so the order in our table can shift.
8. Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Indiana home insurance rates before you shop.

Compare Indiana Car Insurance Quotes

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

Put these tips to work. Enter your ZIP code to compare quotes.

How We Calculated Indiana Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 1,196 full-coverage premiums from four insurers across 299 Indiana ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Insurer count: our Indiana averages come from four insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/10 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Indiana’s minimum has been 25/50/25 since July 1, 2018, so our liability-only prices use lower limits than the law requires. The package’s $10,000 property damage limit and 25/50 underinsured motorist limits are both lower than Indiana requires: $25,000 for property damage and, according to the Department of Insurance, $50,000 for underinsured motorist bodily injury coverage when a policy includes it.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm’s row uses its November 2025 rates, so it’s left out of rate-change comparisons; the other four insurers are compared in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from recent published Indiana rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Indiana law and the Indiana Department of Insurance. We refresh these figures when new rate data is released.

More Indiana Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

Indiana Car Insurance Rates by County and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure and a hybrid the most expensive in all 92 counties in that analysis. A hybrid costs about 28% more than an SUV on average.

Indiana Car Insurance FAQ