Indiana Car Insurance

Whether you’re driving the family into Indianapolis to catch a Pacers game or commuting into Fort Wayne for work, a Farmers® Smart Plan Auto policy offers coverage options designed for how you drive today. Discounts can help make your coverage even more affordable.

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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

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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

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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

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Indiana renters insurance

Renters insurance can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.

View renters insurance 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.