Auto Insurance in Indiana

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Indiana is full of small cities, with only a few major population centers in areas like Indianapolis, Fort Wayne, and Evansville. It has several industrial cities, but it’s mostly known for its farm land and the Indianapolis 500. The cost of insurance in Indiana is right in line with the national average, which puts it well below states like Michigan, where rates can run more than four times the national average.

Indiana

Population: 6,596,855
Indiana
$1,327
US Average
$1,669

While you’re not required to have comprehensive insurance, it can be helpful in situations where liability alone doesn’t cover you. With 24,000 miles of rivers, having comprehensive insurance can be a good idea considering the risk of flood damage. Rates vary somewhat depending on where you live and the type of vehicle you drive, so it’s a good idea to shop around to get the best price.

Indiana Minimum Liability

Bodily Injury

$25k
per person
$50k
per accident

Property Damage

$10k
per accident

Indiana only requires a minimum liability coverage of 25/50/10, which works out to $25,000 for bodily injury per person involved in the accident, a maximum of $50,000 per accident in bodily injury claims, and only $10,000 in property damage per accident. This level of coverage can leave you paying anything extra out-of-pocket.

Since Indiana is a state with modified comparative negligence, you may be found partially at fault in an accident. While this typically reduces settlement amounts by sharing the fault between drivers, the low mandatory limits make it very possible to quickly exceed policy limits. The average cost of a new vehicle is more than $31,000, so even at a prorated 50 percent, if the vehicle is totaled, you could be looking at a hefty price tag. You may want to consider buying a policy with higher limits to reduce your risk.

To find out about the different types of coverage, and who offers the best rates, shop around for quotes. Car insurance companies often specialize in specific types of drivers, so each may evaluate your driver profile differently. The time you spend shopping for rates could help you save a considerable amount each year.

Cheapest Car Insurance in Indiana

Yearly Rate

  • $1,117
    American Family
  • $1,794
    United Farm Bureau of IN Group
  • $1,790
    Allstate
  • $1,137
    Progressive
  • $987
    State Farm

If affordable insurance is at the top of your list, be sure to check out the companies listed here. After extensive comparisons, these providers typically offered the cheapest quotes in Indiana.

Before choosing a low-cost insurance provider, be aware of the potential downsides. In exchange for the lower premium, you may pay in poor customer service and claims efficiency. Of course, if you rarely drive or aren’t worried about a slower claims process, one of these cheap insurance providers might be the best choice for you.

Where is car insurance most affordable?

One of the major factors that can affect your premium price is where you live. Cities can vary dramatically in car insurance rates, and the difference in small towns can be even more extensive.

For example, if you live in Lafayette, your rate may be much closer to the national average than if you live in Gary.

When you live in an area with multiple insurers, it’s always a good idea to get quotes from several companies. This can help you decide on the best deal based on coverage level and price.

Anderson Auto Insurance

Population: 55,670
Anderson
$1,304
Indiana
$1,327

Even though Anderson has a population of only 55,670, its average insurance rates are higher than the state average by more than $100 per month. There’s reasonable public transportation available in Anderson through the CATS bus system, but cars are still the most common method of commuting, in large part due to the sprawl of this city. Your specific driver profile determines your rates, so you may be able to nab something below the state average if you have a clean record.

Bloomington Auto Insurance

Population: 82,575
Bloomington
$1,258
Indiana
$1,327

Known as the Gateway to Scenic Southern Indiana, Bloomington was established in 1818 and is now home to more than 82,500 people. Insurance rates in this sprawling college town are close to the state average, which is good since this bike-friendly city has limited public transportation.

Elkhart Auto Insurance

Population: 51,874
Elkhart
$1,248
Indiana
$1,327

Elkhart, the RV Capital of the World and the Band Instrument Capital of the World, is home to almost 52,000 people. With the prevalence of RVs, it may come as a surprise that insurance rates in this area are very close to the state average. Driving record, age, and other factors can affect your rate, so be sure to get several quotes before signing up for insurance.

Evansville Auto Insurance

Population: 121,582
Evansville
$1,336
Indiana
$1,327

The third-largest city in Indiana, Evansville is the county seat of Vanderburgh County. It’s often called the Crescent Valley or River City due to its location next to the Ohio River. Home to more than 121,500 people, insurance rates in Evansville are a bit higher than the state average. The prevalence of on-road bike paths and the comprehensive bus system known as the METS make it fairly easy to get around within the city limits, but a car is helpful for those with a longer commute.

Fort Wayne Auto Insurance

Population: 256,496
Fort Wayne
$1,232
Indiana
$1,327

The second-largest city in Indiana, Fort Wayne was once an industrial city but is now better known for its importance in the defense industry, logistics, and transportation. Home to more than 256,000 people, the greater metropolitan area has a population well over 600,000. Given the higher population density, it’s surprising that insurance rates in this area are very close to the state average. With average commute times of approximately 20 minutes, owning a car is a convenience in this urban area.

Gary Auto Insurance

Population: 78,450
Gary
$1,653
Indiana
$1,327

Mix it up with a variety of people in Milford. Milford is a coastal city located in New Haven County, and it rests between New Haven and Bridgeport; this city also attracts a substantial number of vacationers and tourists each year. With its proximity to Charles Island and Silver Sands State Park, Milford provides the ideal combination of interesting activity and tranquility. As far as Connecticut is concerned, Milford has very reasonable insurance rates.

Hammond Auto Insurance

Population: 78,967
Hammond
$1,650
Indiana
$1,327

New Britain, located nine miles southwest of Hartford, is part of Hartford County. With a population over 72,000, the city is a little over mid-size by Connecticut standards; however, it still provides a quiet residential dwelling and calm ambiance. The city is also home to Central Connecticut State University; despite having a major university within its borders, New Britain’s insurance rates remain relatively low.

Indianapolis Auto Insurance

Population: 852,866
Indianapolis
$1,368
Indiana
$1,327

As the capital of Indiana, Indianapolis is home to more than 852,000 people and sits on over 368 square miles of land. It’s the 14th-largest city in the United States and is home to one of the most watched auto racing events in the world — the Indianapolis 500. Car insurance rates are only slightly above the state average and well below the average cost in Lake County. The city has a fully functional public transit system, but the most common commuting method is still the car. In part, this is due to the large geographical area that comprises Indianapolis.

Lafayette Auto Insurance

Population: 70,373
Lafayette
$1,148
Indiana
$1,327

Located in Tippecanoe County, Lafayette is home to more than 70,300 people. This industrial city is also the home of Purdue University, making it a town devoted to industry and academics. Insurance rates sit right at the national average and well below the state average in this area, so it’s more affordable to maintain a car. This is good, since public transportation isn’t comprehensive in this area.

Muncie Auto Insurance

Population: 70,316
Muncie
$1,198
Indiana
$1,327

Enjoy serenity and quiet in this town. Stamford is located in Fairfield County, and it’s widely recognized for the Stamford Museum and Nature Center; the city is also known for its beautiful and tranquil state parks, such as Cove Island Park and Cummings Park. Even with a population over 126,000, the insurance costs for this city are relatively low. Stamford is ideal for those who consider insurance cost when selecting a home.

South Bend Auto Insurance

Population: 100,789
South Bend
$1,250
Indiana
$1,327

Originally settled by fur traders, South Bend is located at the southernmost bend in the St. Joseph River and is home to more than 59,000 people. The University of Notre Dame is located just to the north of the city, offering highly acclaimed academics to students. Although the presence of the university means a large number of younger drivers, insurance rates still sit just above the state average.

Terre Haute Auto Insurance

Population: 61,025
Terre Haute
$1,350
Indiana
$1,327

Although home to less than 62,000 people, Terre Haute is a thriving college town full of arts, culture, sports, and other activities. It had the distinction of being named Community of the Year by the Indiana Chamber of Commerce in 2010, and it made the quarterfinals in the America’s Best Communities contest. Car insurance rates here are just a few dollars higher than the state average.

Find the best auto insurance in your area

Start by entering your zipcode and we’ll pull our top partners so you can get quotes quick.