Indiana Car Insurance Rates
Estimated insurance prices in Indiana for 2019 are $1,058 a year including full coverage. Comprehensive insurance, collision insurance, and liability coverage cost approximately $236, $430, and $274, respectively. Gary, Hammond, and Merrillville have the most expensive rates, and the three companies who insure the most vehicles in Indiana are State Farm, Progressive, and Allstate.
Average rate for full coverage: $1,058
Policy rates by type of insurance:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range of Car Insurance in Indiana
Using a middle-aged driver as an example, insurance rates range from the cheapest price of $324 for just the minimum liability insurance to a much higher rate of $2,290 for a high-risk driver policy.
These rate differences highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than using rates averaged for all U.S. states.
Use the form below to get accurate rates for your location.
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Recommended Companies for Cheap Indiana Insurance
The chart above shows average Indiana car insurance prices for various coverage choices and risks. The cheapest price with discounts is $608. Drivers choosing higher $1,000 deductibles will pay $908. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,058. Using more expensive $100 deductibles for collision and other-than-collision coverage will cost more, up to $1,352. If you have multiple accidents and violations you could be charged up to $2,290. The price for full coverage for a teenager can climb as high as $3,900.
Insurance prices in Indiana also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and your vehicle choice.
If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,300 to $1,700 additional annually, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 137% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age
Where you choose to live in Indiana also has a big influence on auto insurance rates. Areas with less crime and congestion could have rates as low as $800 a year, whereas some neighorhoods in Gary and Hammond may have prices as high as $1,700. Even areas close to each other in the same city can have significantly different rates.
These wide price ranges illustrate the significance of getting rates based on where you live in Indiana.
Opting for high physical damage deductibles can reduce rates by up to $450 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $246 more each year. View Rates by Deductible or Liability Limit
The type of car, truck, or SUV you buy is a large factor when calculating the cost of insurance in Indiana. Choosing to drive a lower-cost and safer vehicle will have a lower insurance cost thanks to lower cost for replacement parts and lower severity of accident injuries. The following table shows auto insurance estimates for the top vehicles in Indiana.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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Your choice of car insurance company influences the cost of coverage. In each state, every insurer has a different rate structure, and prices can be substantially lower or higher based upon different risk factors.
In Indiana, auto insurance prices range from $608 with Travelers to as high as $2,284 with Hanover. Other companies like Cincinnati Insurance, USAA, and Erie are neither the lowest or highest. That is probably not the prices you would pay, as your Indiana zip code, your vehicle make and model, and any driving violations all influence the price.
|Rank||Company||Market Share||Average Rate|
|4||Indiana Farm Bureau||7.58%||$1,772|
|Get Your Rates Quote Now|
Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
With so much difference in rates, the best way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, and rates will be substantially different.
Indiana Auto Insurance Articles
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$79|
|5-yr Claim Free||$68|
|Paid in Full/EFT||$50|
Discounts are estimated and may not be available from every company or in every state.