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Compare car insurance in Indiana

Get the cheapest car insurance in Indiana for 2020


Fact checked

If you plan to drive in Indiana, you’ll need to carry a minimum level of liability coverage. You’ll also have the option to carry additional protection on your policy, which might better protect you, your vehicle, your passengers and your fellow travelers on the road. Shopping around may allow you to find insurance cheaper than Indiana’s average annual car insurance cost of around $1,112.


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare Indiana car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
Liberty Mutual
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states
Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$874,34122.2%
Indiana Farm Bureau$286,0887.3%
Berkshire Hathaway$261,1146.6%
Liberty Mutual$199,4155.1%
American Family$180,0954.6%
Auto-Owners Insurance Co.$108,6142.8%

Average car insurance costs in Indiana

Car insurance costs vary by state, city and ZIP code. Indiana sits slightly below the average cost for car insurance nationwide at around $93 a month or $1,112 a year. This is lower than the national average of $118 a month or $1,410 a year.

Factors that can influence your insurance cost include your driving record, your age and your car. Location-based factors can come into play as well, like crime rates where you live or work. If you live near a city, you could expect rates to go up too, since accidents are more common in cities than in rural areas.

Cheapest car insurance rates in Indiana

CompanyAverage annual rateLearn more
Progressive$214Get a quote Read review
State Farm$219Read review
Indiana Farmers$405
Geico$616Read review
USAA$633Read review
American National$725
Farmers$771Read review
Western Reserve$846

Which city has the cheapest car insurance in Indiana?

Of Indiana’s largest cities, Carmel has the cheapest rates and New Albany has the most expensive car insurance rates. New Albany drivers could face rates 2 times more than Carmel drivers.

Car insurance quotes in Crown Point

CompanyAnnual car insurance rate

Car insurance quotes in Indianapolis

CompanyAnnual car insurance rate

Car insurance quotes in Greenwood

CompanyAnnual car insurance rate

Car insurance quotes in New Albany

CompanyAnnual car insurance rate

Car insurance quotes in Carmel

CompanyAnnual car insurance rate

Car insurance requirements in Indiana

In order to legally drive in Indiana, you’ll need minimum liability insurance, including:

  • $25,000 in bodily injury liability coverage per per+son.
  • $50,000 in bodily injury liability coverage per accident.
  • $10,000 in property damage liability coverage per accident.

When shopping for car insurance, you’ll sometimes see this written as 25/50/10.

When it comes to uninsured motorists coverage — which protects you in the event of an accident with someone who doesn’t have insurance — Indiana is an opt-out state. That means that Indiana insurance companies are required to offer you UIM insurance, but you can sign a waiver to opt out of carrying it.

Can I get SR-22 insurance in Indiana?

You might need an SR-22 in Indiana if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel.

How to file an SR-22 in Indiana

Bottom line

Carrying auto insurance protects you, your family and fellow drivers. Research your insurance options to make sure that you’re receiving the coverage that you need — and that your state requires.

As always, to get the best coverage possible at a great rate, we recommend comparing your options and shopping around. To learn more about car insurance in general, from discounts to regulations, visit our comprehensive car insurance guide.

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Frequently asked questions about car insurance in Indiana

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