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Car Insurance in Indiana (Updated May 2024)

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Indiana Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Indiana however, drivers are paying 25% less for car insurance than the national average, with Full Coverage costing Indiana drivers an average of $142 per month

Similar to other states, the rates in Indiana can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Indiana. Read on to learn more about properly insuring your car in Indiana. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


Indiana Car Insurance Laws

In Indiana, like most states, drivers are required to have car insurance to operate a vehicle legally. The state follows a tort system, meaning that the at-fault driver is responsible for covering damages in an accident.

Indiana’s car insurance minimums

Drivers who opt for liability coverage must obtain a policy that meets Indiana’s minimum car insurance requirements, which include:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage. 

This 25/50/25 coverage is the most commonly seen car insurance requirement among states and provides a good baseline for protecting yourself and others on the road.

In addition to these coverage minimums, every Indiana auto insurance policy must also include uninsured and underinsured motorist coverage. The minimums for this are the same as what's listed above, except that the underinsured motorist coverage requires $50,000 for both bodily injury per person and per accident.

Proof of Insurance

Indiana does not provide a grace period for new car insurance coverage. ” 


Driving without insurance in Indiana carries serious penalties, including a license suspension for up to a year, reinstatement fees of at least $250, and the potential requirement to file an SR-22 form confirming you have the required coverage.

Indiana does not provide a grace period for new car insurance coverage. Existing policies may offer a temporary extension of coverage to new vehicles, but you should check with your insurance provider to confirm their exact policy.

Frequently Asked Questions
What is the quickest way to reduce my insurance premium in Indiana?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Indiana?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Indiana?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.