The average cost of full coverage car insurance in Indiana is $1,219, but your rates may be higher or lower depending on a number of factors, like your age, driving history, ZIP code, and credit score.
The best way to find affordable coverage is to shop around and compare quotes before you buy. Policygenius can help you see options from top car insurance companies, so you can be sure you’re getting the coverage you need at a price you’re happy with.
Cheapest car insurance companies in Indiana
Car insurance companies all use the same information to determine your rates, but each has its own formula for coming up with prices. That’s why rates can vary from company to company, and why it’s so important to compare quotes before you buy.
Cheapest car insurance companies by age in Indiana
Young drivers are statistically more likely to speed, text while driving, and be involved in accidents, which is why they pay more for car insurance than any other age group.
Rates typically fall over time until age 25, when young drivers are no longer in the highest-risk category.
Choosing the right car insurance company in Indiana
Two different insurance companies can look at the same data and come up with two different rates, which is why the best way to find the right car insurance company for you is to compare options.
The best company is whichever one offers you the coverage you need at a price you’re comfortable with. Policygenius can help you see what you’d pay for policies from top car insurance companies so you can pick the best option for you.
Car insurance rates for drivers with driving violations in Indiana
Even a few violations can increase your rate, but too many violations or accidents may make it difficult to find affordable insurance at all. Serious violations, such as a DUI, will have the biggest impacts on your rates.
Cheapest car insurance for drivers with bad credit in Indiana
Drivers with bad credit generally pay more for car insurance coverage, but the good news is that credit score isn’t the most important factor when it comes to rates. If your driving record is clean you may still be able to find affordable rates, even with poor credit.
Car insurance costs in Indiana cities
The crime rate, traffic, and numbers of accidents and claims in your area will all affect what you pay for car insurance. Here’s what drivers pay in the 10 biggest cities in Indiana.
Indianapolis: $1,322
Fort Wayne: $1,187
Evansville: $1,206
Carmel: $1,141
South Bend: $1,191
Fishers: $1,173
Bloomington: $1,212
Hammond: $1,535
Gary: $1,631
Lafayette: $1,107
Buying car insurance in Indiana
Indiana drivers must carry at least a minimum amount of car insurance. The car insurance requirements in Indiana are:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Indiana specifies that insurers must include uninsured/underinsured motorist insurance at the same levels as the minimum liability requirements, but customers can reject that coverage if they put it explicitly in writing.
How to get cheap car insurance in Indiana
Discounts are a reliable way to bring down your car insurance costs, so make sure you know which ones your car insurance company offers. Some of the most common include:
Bundling discount: If you have homeowners, renters, or other insurance policies with the same company, you can save big
Safe driver discount: For keeping a clean driving record
Good student discount: For young drivers who keep their GPA above a certain level
Low mileage discount: For drivers who keep their mileage under a certain number per year
Military discount: For both active duty servicemembers and veterans
If you are not eligible for any discounts, you can still find the cheapest rates on car insurance by comparing quotes before you buy.
Find car insurance in your city:
Methodology
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
