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Car Insurance in Indiana: 2026 Rates & Guide

Indiana is a mid-range state for car insurance. The average driver pays $116/month ($1392/year). Here's how to find the best rate for your situation.

$116

Avg Monthly

$1392

Avg Annual

#28

Cost Rank (1=priciest)

$86

Cheapest Option/mo

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Cheapest Car Insurance Companies in Indiana (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Indiana — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestGEICO
$86/mo4.3Get Quote
2
State Farm
$92/mo4.5Get Quote
3
Erie Insurance
$88/mo4.7
4
Progressive
$104/mo4.1Get Quote
5
Nationwide
$108/mo4.3Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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Indiana Car Insurance Requirements

Minimum Coverage: 25/50/25

Indiana is an at-fault state. The driver who causes an accident is financially responsible.

Indiana Insurance Facts

Indiana consistently ranks as one of the more affordable Midwest states for car insurance.
Indianapolis has higher premiums than rural Indiana, but still below the national average.
Deer collisions are a major hazard in rural Indiana — comprehensive coverage is highly recommended in autumn months.

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How to Get Cheaper Car Insurance in Indiana

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Indiana — FAQs

What is the average cost of car insurance in Indiana?
The average car insurance cost in Indiana is $116 per month ($1392 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Indiana?
Indiana requires minimum liability coverage of 25/50/25 (bodily injury per person / bodily injury per accident / property damage). This is a tort (at-fault) state.
Which company has the cheapest car insurance in Indiana?
Based on our research, GEICO offers the lowest average rate in Indiana at around $86/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Indiana a no-fault car insurance state?
No, Indiana is an at-fault (tort) state. The driver who caused the accident is responsible for covering the other party's damages through their liability insurance.
How can I lower my car insurance in Indiana?
The most effective ways to lower your car insurance in Indiana include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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