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Indiana
Car insurance quick facts
25/50/10
Minimum liability requirements
$1,112
Average annual car insurance cost
90
Days to update your license
At-fault state
In at fault states, the driver who caused the accident pays for damages.
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Most popular Indiana auto insurance companies list
| Company | Direct premiums written (billions) | Market share |
|---|---|---|
| State Farm | $874,341 | 22.2% |
| Progressive | $479,144 | 12.2% |
| Allstate | $303,137 | 7.7% |
| Indiana Farm Bureau | $286,088 | 7.3% |
| Berkshire Hathaway | $261,114 | 6.6% |
| Liberty Mutual | $199,415 | 5.1% |
| American Family | $180,095 | 4.6% |
| Erie | $154,917 | 3.9% |
| Auto-Owners Insurance Co. | $108,614 | 2.8% |
| USAA | $108,601 | 2.8% |
Cheap car insurance 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
| Company | Average annual rate | Learn more |
|---|---|---|
| Progressive | $214 | |
| State Farm | $219 | |
| Cincinnati | $268 | |
| Indiana Farmers | $405 | |
| Geico/td> | $616 | |
| USAA | $633 | |
| American National | $725 | |
| Farmers | $771 | |
| Grange | $756 | |
| 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
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1602 |
| Farmers | $1781 |
| Safeauto | $1878 |
| Progressive | $1313 |
| Geico | $1785 |
Car insurance quotes in Indianapolis
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1763 |
| Farmers | $1648 |
| Safeauto | $1925 |
| Progressive | $1522 |
| Geico | $1602 |
Car insurance quotes in Greenwood
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1520 |
| Farmers | $1561 |
| Safeauto | $1781 |
| Progressive | $1240 |
| Geico | $1606 |
Car insurance quotes in New Albany
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1598 |
| Farmers | $1729 |
| Safeauto | $2122 |
| Progressive | $1390 |
| Geico | $1689 |
Car insurance quotes in Carmel
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1423 |
| Farmers | $1539 |
| Safeauto | $1626 |
| Progressive | $1222 |
| Geico | $1519 |
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.
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.
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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