Popular QuestionsPopular Questions About Indiana Car Insurance

How much does Indiana car insurance cost? $1,033

The good news is Indiana drivers pay less than most other drivers around the nation. 

The average cost for car insurance nationwide is $1,311. In Indiana, it's only $1,033. You'll get the best rates if you compare quotes from multiple companies before you choose a policy. 

Indiana car insurance cost chart.
What does Indiana car insurance actually do for me?

Driving in Indiana can be dangerous. Accidents sometimes happen, even to the best drivers. If you find yourself in an accident, here are some ways that your car insurance will help...

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender. 
  • Fix Someone Else's Car – Required/Min. $10,000. We officially call this "property damage liability."
  • Pay Your Medical Bills – Not Required. We officially call this "personal injury protection" or "PIP." 
  • Pay Someone Else's Med Bills – Required/Min. $50,000. We officially call this "bodily injury liability."

Indiana requires all drivers to have insurance that will pay for car damage and medical bills if a driver causes an accident. Most states have laws like this to make sure drivers are prepared for the financial fallout after a collision.

Who pays if the accident wasn't my fault?

The driver who caused the accident is responsible for covering the cost of damages. 

How many Indiana drivers are uninsured: 14.2%

The problem is this: Sometimes people drive without any insurance. Getting hit by an uninsured driver can be a financial disaster. 

Uninsured motorist coverage offers some protection by paying for damage and medical bills after an accident when the driver at fault isn't insured. This is a valuable add-on to any policy, the addition of which could potentially save you thousands of dollars after an accident. 

Which are the best insurance companies in Indiana?

An independent insurance agent compares multiple companies to find the best policy for your needs. 

travelers
selective
Safeco
state auto insurance companies

InformationFind the Best Insurance in Your City

How does your city measure up to the national average? 

  • National average car insurance cost - $1311 / year 
  • National average car thefts per 1,000 - 2.37 
  • National average time spent commuting - 25.4 min


CityCommute time Min.Auto Theft Rate per 1,000Annual Insurance CostMonthly Insurance Cost
Indianapolis21.46.03$1,126$94
Fort Wayne18.61.41$1,288$107
Evansville18.44.53$1,552$129
South Bend15.33.29$1,562$130
Carmel22.60.99$976$81
Fishers24.90.49$916$76
Bloomington17.51.5$970$81
Hammond26.14.05$1,507$126
Lafayette15.33.53$892$74
Muncie16.62.51$994$83
Portage26.91.52$1,624$135
Westfield23.61.59$814$68
New Albany20.54.88$850$71
Richmond16.63.76$976$81
Merrillville27.92.55$886$74
Terre Haute17.65.7$1,384$115
Noblesville24.60.94$916$76
Kokomo16.31.02$1,018$85
Greenwood24.91.99$940$78
Anderson22.33.32$1,066$89
Elkhart19.44.55$994$83
Mishawaka21.42.61$970$81
Lawrence26.54.05$1,102$92
Columbus163.62$958$80
West Lafayette150.61$892$74
Goshen16.72.04$946$79
Valparaiso20.51.17$982$82
Michigan City20.22.51$1,054$88
Schererville311.14$1,624$135

Indianapolis, IN Car Insurance

The average monthly cost of auto insurance coverage in Indianapolis is $94. Your actual monthly cost could be considerably higher or lower than the average as rates are based on several factors including the driver's age, gender, and driving history...

Long commutes put you at higher risk for a car accident. Commuters in Indianapolis have shorter drive times than most, and this helps reduce the cost of car insurance for local drivers.

The higher the crime rate in your city, the more likely it is that your car could be stolen. Car theft is an ongoing problem in Indianapolis, and this could lead to increased rates on comprehensive coverage if you add it to your auto insurance policy.

Fort Wayne, IN Car Insurance 

The average monthly cost of car insurance in Fort Wayne is $107. Your quoted monthly cost could be considerably higher or lower than the average, depending on factors such as your vehicle make and model, your gender, your driving record and more.

When you spend a lot of time on the busy roads, you have a higher risk for being involved in a car accident. Fort Wayne residents have commutes that are shorter than the national average, which could lead to savings on car insurance for local drivers.

High crime rates put you at an elevated risk for auto theft. The good news is that in Fort Wayne, the auto theft rate is well below the national average. This helps lower rates for adding “other than collision” coverage to your auto insurance policy.

Evansville, IL Car Insurance 

The average monthly cost for auto insurance in Evansville is $129. Your personal rate may vary significantly as it will be calculated based on several factors including your age, gender, and driving record. The make, model, and year of the vehicle you drive can also greatly influence how high or low your rates are. 

When you spend a lot of time behind the wheel, you face an increased risk for accidents. Evansville commuters spend less time on the road than most, which helps bring down insurance rates for local drivers. 

Unfortunately, reports of stolen cars are fairly common in Evansville, which has an auto theft rate that far exceeds the national average. You need to have comprehensive (or “other than collision”) coverage included in your auto insurance policy in order to be coverage against property crimes such as car theft.

South Bend, IN Car Insurance 

The average monthly rate for car insurance in South Bend is just $130. Of course, car insurance rates can vary significantly from one driver to the next. Your calculated monthly cost will depend on a variety of factors such as your age, gender, and driving record.

Your risk for car accidents increases when you spend a lot of time on the road. In South Bend, commute times are well below the national average, which helps keep rates low for local drivers.

Living in a high crime area puts vehicle owners at an increased risk for auto theft. In South Bend, auto theft rates are slightly higher than the national average, making it important for local drivers to consider including comprehensive (or “other than collision) coverage in your auto insurance policies so that they can receive compensation if their vehicles are vandalized or stolen.

Fishers, IN Car Insurance 

The average monthly cost of auto insurance in Fishers is $76. Of course, every driver’s car insurance premium will vary according to a variety of factors. Your actual rate will depend on such things as the kind of car you drive, your age, and your driving record.

The more hours you log behind the wheel, the higher your risk will be for a car accident. Long commutes drive up insurance prices. In Fishers, the commute times are close to the national average, so this shouldn’t have a negative impact on rates for most local drivers.

If you live in a dangerous area, your odds of experiencing an auto theft are much higher. Fortunately, car theft is very rare in Fishers, and this helps lower rate for including compressive coverage as part of your auto insurance policy.

Hammond, IN Car Insurance 

Residents of Hammond pay an average of $126 per month for their auto insurance coverage. Because rates are calculated on an individual basis, your actual monthly cost might be considerably higher or lower than this average. Rates are based on a variety of factors including such things your age, marital status, driving record and vehicle.

If you spend a lot of time driving back and forth to work, you face a higher chance of getting into an accident. Hammond drivers face commutes that are in line with national averages, so commute times don’t have a significant impact on auto insurance rates for most local drivers.

Hammond’s auto theft rate is much higher than the national average, and this could increase rates on car insurance. With such a high likelihood that your car will be stolen, it’s important to choose a policy that offers bulletproof protection against theft. You can do this by including comprehensive (or “other than collision”) insurance with your policy. 

Lafayette, IN Car Insurance 

The average monthly cost of auto insurance coverage in Lafayette is $74. Your actual personalized rate could be significantly more or less than the average depending of several like the type of car you drive, your age, and your driving record.

Lafayette drivers spend less time on daily commutes than most. This is good news because it lowers the risk for accidents and could help lower rates on car insurance for local drivers.

The elevated crime rate in Lafayette should be a concern for all drivers. Auto theft is an ongoing issue in this city. It is therefore important that your policy includes the optional comprehensive (or “other than collision”) coverage. That way, if you are a victim of a property crime like auto theft or vandalism, you can receive compensation.

Muncie, IN Car Insurance 

Residents of Muncie pay an average of $83 per month for their auto insurance coverage. Your personal monthly cost may be considerably higher or lower than this average. That is because rates are calculated according to a variety of factors such as your age, gender and the kind of car you drive, and your driving history.

Living in a dangerous city means higher risk that your car could be stolen. In Muncie, the auto theft rate is slightly lower than the national average, which could help bring down costs for the comprehensive coverage.