Compare car insurance in Indiana

Most popular Indiana auto insurance companies list

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

• Quote methodology: driver profile & coverage options

  To get these quotes, we compared rates for the same driver profile in a common zip code in this state.

  • Good credit
  • Married
  • Male
  • 31-35 years old
  • 2017 Toyota Camry LE
  • State minimum coverage

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.

• Crown Point
• Indianapolis
• Greenwood
• New Albany
• Carmel

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.

Frequently asked questions about car insurance in Indiana

• Is my out-of-state insurance policy acceptable in Indiana?

  You’ll almost always need to transfer your out-of-state insurance policy to an Indiana insurance policy. Contact your insurance agent for more information on moving policies.

• Will my rates go up if I file a claim through my car insurance?

  Car insurance providers and policies vary, but it’s possible for your car insurance rates to go up if you file a claim. Some providers offer accident forgiveness programs that ensure your premium stays the same after your first accident. But in many cases, a claim on your policy raises your risk profile — and, in turn, your rates.

• Can my insurance company cancel my policy if I file a claim?

  It could: Your car insurance has the right to cancel your policy at any time. But most providers reserve cancellation for policyholders who file multiple claims in a short time or engage in risky driving behaviors that result in multiple tickets or DUI/DWIs. You will typically receive notice from your car insurance company before it plans to cancel your policy.

• How do I register my car in Indiana?

  When you become a resident of Indiana, you have 60 days to obtain a new Indiana driver’s license if you hold a valid driver’s license from another state. You must also transfer the titles and registrations of any vehicles you own from your previous state to Indiana.When you apply for an Indiana driver’s license, you must surrender all valid credentials (identification card, permit or driver’s license) that you hold from other states.