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:

Comprehensive $236
Collision $430
Liability $274

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.

Liability Only $324
Full Coverage $1,058
High Risk $2,290

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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Indiana car insurance rate comparison chart
Column chart showing Indiana car insurance prices range from $608 to $3,900 for full coverage

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.

View Chart as Image

Indiana insurance rates by city

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.

Indiana Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,1205.5%
Dodge Ram$1,1528.2%
Ford Escape$882-20%
Ford Focus$1,024-3.3%
Ford Fusion$1,1225.7%
Ford F-150$994-6.4%
GMC Acadia$974-8.6%
GMC Sierra$1,0983.6%
Honda Accord$988-7.1%
Honda Civic$1,1608.8%
Honda CR-V$858-23.3%
Honda Pilot$1,004-5.4%
Hyundai Sonata$1,0761.7%
Kia Optima$1,0963.5%
Nissan Altima$1,0882.8%
Nissan Rogue$1,0660.8%
Toyota Camry$1,0781.9%
Toyota Corolla$1,054-0.4%
Toyota Prius$982-7.7%
Toyota RAV4$998-6%
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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.

Indiana Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm24.55%$977
2Progressive10.37%$1,117
3Allstate7.93%$1,970
4Indiana Farm Bureau7.58%$1,772
5Geico5.61%$1,111
6Liberty Mutual4.51%$2,251
7American Family4.48%$1,234
8Erie Insurance3.55%$719
9Nationwide2.53%$949
10Farmers Insurance2.41%$1,043
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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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Rates by Driver Age

Indiana Insurance Rates by Driver Age
Driver AgePremium
16$3,900
20$2,446
30$1,110
40$1,058
50$968
60$950

Full coverage, $500 deductibles

Rates by Deductible

Indiana Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,352
$250$1,216
$500$1,058
$1,000$908

Full coverage, driver age 40

Rates by Liability Limit

Indiana Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,058
50/100$1,113
100/300$1,181
250/500$1,359
100 CSL$1,140
300 CSL$1,291
500 CSL$1,401

Full coverage, driver age 40

Rates for High Risk Drivers

Indiana Car Insurance Rates for High Risk Drivers
AgePremium
16$5,568
20$3,886
30$2,344
40$2,290
50$2,182
60$2,162

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.

SR-22 Surcharge $147

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$56
Multi-vehicle$54
Homeowner$15
5-yr Accident Free$79
5-yr Claim Free$68
Paid in Full/EFT$50
Advance Quote$53
Online Quote$75
Total Discounts$450
Rate after discounts $608

Discounts are estimated and may not be available from every company or in every state.

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