Cheap Indiana Auto Insurance for 2021

Indiana auto insurance laws mandate that drivers carry the 25/50/25 Indiana auto insurance minimum requirements and average Indiana auto insurance rates are $78.53. To find cheap Indiana car insurance, compare rates from multiple companies before you buy.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 7, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Though it’s not necessarily the largest state by landmass, Indiana has a large population, and most of them need auto insurance. Indiana auto insurance laws require everyone to carry a minimum amount of coverage at all times.

Understanding auto insurance in Indiana makes it easier to make sure you are buying the right coverage. We’ve got everything you need to know to buy Indiana auto insurance with confidence right here.

Get started by comparing Indiana auto insurance quotes today. Just enter your ZIP code to get started.

Indiana Auto Insurance Laws And Requirements

Indiana law sets out a minimum amount of coverage to make sure that all drivers are financially responsible in the event of an accident.

In Indiana, the state liability coverage minimums are:

  • Bodily Injury Liability Coverage – $25,000 per person
  • Bodily Injury Liability Coverage – $50,000 per accident
  • Property Damage Liability Coverage – $25,000 per accident

Take a look at how Indiana’s minimum rates compare with surrounding states.

View as image

Most drivers purchase additional coverage to prove extra protection. Optional coverage options in Indiana include:

  • Comprehensive Coverage
  • Collision Coverage
  • Rental Reimbursement Coverage
  • Loan/Lease Gap Coverage
  • Emergency Roadside Assistance Coverage
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage
  • Custom Parts and Equipment Coverage

Finding the right auto insurance plan is like buying a house. Everything has to be exactly the way you want it or it just won’t seem “right.” When purchasing insurance in Indiana, or in any state for that matter, it’s always important to do some research on the insurance providers.

Though all providers have to go through the state Department of Insurance before they can sell their services, there is still a chance that you’re not getting exactly what you want. Below are some guidelines to help you with your purchase of auto insurance in the state of Indiana.

For every state, it’s required that there be a minimum insurance requirement for certain coverage in your insurance policy, and Indiana is no exception. Usually, there are two to three areas of liability in which all states require minimum coverage. The state of Indiana requires all motorists to have minimum coverage auto insurance for bodily injury and property damage.

The first type of liability coverage, bodily injury liability, covers medical expenses for the other driver and passengers as result of the accident where you are at fault. In the state of Indiana, the minimum requirement per person is $25,000 and a total of $50,000 per incident for all people injured in the accident.

Secondly, there is property damage liability. Property damage covers damge to the other person’s vehicle and any othe rproperty you are responsible for damaging. In Indiana, the minimum requirement for this liability is $10,000. Once again, it is not recommended that you only get enough to meet the minimum requirement. In the event of an accident with serious damage, that amount will be quickly exceeded.

High-Risk Auto Insurance in Indiana

If you are deemed to be a high-risk driver by the Indiana BMV, you might be required to file either an SR-50 form or an SR-22 form. Both of these documents are used to verify that you have adequate insurance coverage.

These documents, which need to be signed or stamped by your insurer and submitted to the BMV, validate that you are financially responsible enough to be driving on Indiana’s roads. Incidents that could lead to you needing to prove financial responsibility include driving without insurance or driving under the influence (DUI).

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Indiana Auto Insurance Premiums

Throughout the United States, the premiums for auto insurance varies greatly, and states often times have insurance rates that cost more or less than the national average rate. Fortunately, Indiana’s average auto insurance rate is $942.39 compared to the national average of $1,439.14.

View as image

This rate changes drastically when you go from the outskirts of rural Indiana to the inner city area, however. In the main city and capital of Indianapolis, the average insurance premium is $1,331.37, which is still less than the national average.

View as image

Obviously, this rate is much more than the rural rate to account for the higher possibility of auto accidents due to the higher density of people and vehicles.

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

View as image

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

View as image

Indiana Auto Insurance Rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

View as image

But which companies are the largest, holding the most market share percentage in the region?

View as image

Driving Statistics In Indiana

Luckily, the numbers of accidents that occur in Indiana have decreased since 2008. Since 2008, there has been a 7.7% decrease in auto accidents, with 189,676 in 2009. The number of fatal accidents has also decreased substantially, with 631 in 2009.

Interestingly enough, more fatal accidents occurred in the rural areas of Indiana, even though it would be more likely that they occur in the metropolitan city of Indianapolis. A total of 68.1% of the fatal accidents in the state of Indiana happened in rural areas, probably as a result of reckless driving on small interstate roads.

Whether you live in a busy city or on a small farm, it is important that you are insured. Here at 4AutoInsuranceQuote.com, we greatly value your privacy. This is why, compared to many other companies, we would never ask for your social security number when calculating an insurance quote. To easily begin your quest to find the best deal on auto insurance, simply enter your ZIP code at the top of this page to start a quick and easy quoting process.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Auto Insurance Agents In Indiana

Below you will find a list of auto insurance agents in Indiana.

Indiana Auto Insurance Agents

Indiana Automobile Insurance Resources

If you need more information, check out the list of official sources below.

Find affordable Indiana auto insurance right here. Enter your ZIP code to compare Indiana auto insurance rates for free.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

State Minimum Auto Insurance Rates Nationwide
Average Monthly Auto Insurance Rates by State
Monthly Indiana Auto Insurance Rates by ZIP Code
Factors Affecting Auto Insurance Rates in Indiana
Average Monthly Auto Insurance Rates by Age & Gender in Indiana
Indiana Auto Insurance Rates by Company vs. State Average
Indiana Auto Insurers by Market Share %
State Minimum Auto Insurance Rates Nationwide
Average Monthly Auto Insurance Rates by State
Monthly Indiana Auto Insurance Rates by ZIP Code
Factors Affecting Auto Insurance Rates in Indiana
Average Monthly Auto Insurance Rates by Age & Gender in Indiana
Indiana Auto Insurance Rates by Company vs. State Average
Indiana Auto Insurers by Market Share %