Average cost of car insurance in Indiana for 2025

How much is car insurance in Indiana? 

The average cost of car insurance in Indiana is $1,704 per year for full coverage and $446 for minimum coverage, according to data from Quadrant Information Services. However, auto insurance premiums are personalized based on a variety of factors like city, credit-based insurance score, age, gender and driving record. Comparing rates from multiple companies is one of the best methods to find an affordable policy. To help you understand average car insurance costs in Indiana, Bankrate’s insurance experts analyzed the rate data to provide insights into average costs based on a number of profiles.

Key takeaways

• Full coverage car insurance costs an average of $1,704 per year in Indiana, while minimum coverage is $446 per year.
• Average monthly rates are approximately $142 for full coverage and $37 for minimum coverage insurance.
• Drivers with imperfect driving records and less-than-optimal credit will likely pay more for insurance than average.
• Parents who add young drivers to their policies and young drivers (under age 25) with their own policies pay more for insurance than older, more experienced drivers.

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Indiana car insurance rates by city

Not only do car insurance rates vary by state, but your city is also one of the criteria that may impact your Indiana car insurance rates. Each ZIP code has its own statistical likelihood of accidents, average cost of parts and repairs and other rating factors, resulting in different car insurance rates by city. In general, bigger cities often have more expensive auto insurance premiums. This is partially because cities with a high population density have a higher risk of accidents and vehicle theft than smaller cities.

Average car insurance costs by age and gender in Indiana

Age and gender are two factors that may affect car insurance rates in Indiana. Teen drivers typically pay the most expensive car insurance premiums because they lack experience behind the wheel. Additionally, data shows that young drivers are more likely to be involved in traffic accidents than older drivers.

Gender can also impact car insurance rates in Indiana. Male drivers tend to pay higher rates than female drivers because of their higher accident frequency and severity.

However, not all states use age and gender as car insurance rating factors. In Hawaii and Massachusetts, car insurance companies cannot consider your age when calculating car insurance rates. In California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania, gender is not a contributing factor to car insurance premiums.

The following tables show the average rates in Indiana broken down by age and gender.

Cost considerations for young drivers in Indiana

Average car insurance costs in Indiana are generally the highest for young drivers. Insurers charge higher rates to offset the risk of insuring young drivers, who have less experience on the road. However, premiums can vary significantly depending on whether a young driver has their own car insurance policy or is insured on their parents’ policy. While drivers can’t purchase their own policy until they turn 18, teens can usually get the cheapest car insurance when they remain on their parents’ insurance as long as they’re able.

How does driving record impact the cost of car insurance in Indiana?

Your driving record has one of the biggest impacts on your car insurance rate. Drivers considered high-risk due to a history of speeding ticket convictions, at-fault accidents and DUI or OWI convictions often pay much higher rates for car insurance coverage. If you lose your driving privileges after a serious conviction, you might have to get SR-22 insurance to reinstate your license.

The table here outlines the average car insurance rates in IN for certain violations and how these rates compare to the average rate for a clean record.

Car insurance rates in Indiana by credit score

Car insurance companies are allowed to use credit-based insurance scores to help determine car insurance rates in every state except California, Hawaii, Massachusetts and Michigan. That means car insurance companies in Indiana may check your credit when calculating your rate and base your premiums, in part, on your payment and credit history.

Indiana car insurance rates by vehicle type

When you apply for a car insurance policy, you will be asked to provide the make and model of your vehicle and/or the VIN. The type of car you have will generally impact the cost of your insurance. To give you an idea of what you might pay for insurance based on your vehicle type, we’ve included average rates for several popular cars in the table.

Estimate your car insurance cost in Indiana

With so many factors and decisions involved in selecting a car insurance policy, estimating what you can expect to pay for coverage can be a great place to start your search. To make it easy, Bankrate created the estimation calculator tool below. After entering some basic information, you'll see a rough insurance premium estimate. While this is not an exact quote, it can give you a good idea so you can budget accordingly.

How to save on car insurance in Indiana

Car insurance rates are different for every driver, and some people pay higher rates than others. Fortunately, there are many ways to potentially get a lower premium. Here are a few suggestions for getting cheaper car insurance in Indiana:

• Look for discounts: The best car insurance companies in Indiana offer discounts. Some of the most common discounts include savings for getting good grades, not submitting claims, taking a defensive driver course and insuring a vehicle with certain safety features.
• Improve your credit: In Indiana, car insurance companies can use your credit-based insurance score to determine your rate. Improving your credit may help you save money on your policy.
• Raise your deductibles: Some car insurance coverage options, like collision insurance, require you to pay a deductible when you have a claim. Choosing a higher deductible can help lower your monthly rate but will cost you more out of pocket if you file a claim for a covered incident.
• Shop around: Comparing car insurance quotes from a few companies can help you find the most affordable rate for your situation. You can also get new quotes from other car insurance companies every year or after a major event, like getting into an accident, to compare your options and ensure your rate remains low.
• Pay in full: If you pay your six- or 12-month policy premium in full when you purchase the policy, you can usually get a pretty substantial discount. Some providers also offer a discount for going paperless. If you can’t make the payment in full, see if the company gives a discount for enrolling in automatic monthly payments.

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