What is the average cost of car insurance in Indiana?
Indiana drivers paid an average of $859 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.
What auto insurance is mandatory in Indiana?
A car insurance policy with a minimum amount of liability coverage is required in Indiana. However, minimum coverage may not be the full extent of coverage you want
As of March 2023, 25/50/25 liability coverage limits are the minimum required in Indiana.
COVERAGE TYPE
INDIANA MINIMUM REQUIREMENTS
Bodily injury liability
$25,000 per person; $50,000 per accident
Property damage liability
$25,000 per accident
Uninsured motorist bodily injury liability
$25,000 per person; $50,000 per accident
Underinsured motorist bodily injury liability
$50,000
COVERAGE TYPE
Bodily injury liability
INDIANA MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Property damage liability
INDIANA MINIMUM REQUIREMENTS
$25,000 per accident
COVERAGE TYPE
Uninsured motorist bodily injury liability
INDIANA MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Underinsured motorist bodily injury liability
INDIANA MINIMUM REQUIREMENTS
$50,000
What does car insurance typically cover in Indiana?
A typical car insurance policy in Indiana includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Indiana car insurance discounts
Farmers offers a variety of discounts for drivers in Indiana. For example:
- Multi-vehicle
- Multi-policy
- Youthful driver
See more information about additional discounts that may be available in Indiana.
Indiana Dunes National Park
Though it’s only 15,000 acres in size, this sandy, wooded site alongside Lake Michigan has more biological diversity than all but three other national parks. More than 350 species of birds have been spotted, as well as the endangered Karner blue butterfly. — National Park Service
More coverage options in Indiana
Indiana home insurance
Learn more about what home insurance in Indiana covers, available discounts and more.
View home insurance coverage details and discounts for Indiana
Learn From Experience
Still have questions about cars and car insurance in Indiana? We have answers.
Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?
To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.
What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too
Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.
What Is Uninsured Motorist Coverage?
If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.
