Indiana Car Insurance FAQ - Quick Answers

The annual average cost of Indiana car insurance is $1,033, which is much lower than the national figure of $1,311 per year. If you're shopping for the lowest Indiana car insurance premium, consider speaking with a trusted adviser.

In Indiana, your car insurance can include several coverage options. However, there are primary limits that most policies come with, and they are:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.

In order to drive in Indiana, you are required by law to carry the following minimum limits of protection:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability 

In Indiana, though you are required to carry specific minimum limits of coverage, not everyone follows the rules. Unfortunately, 16.7% of the driving population in Indiana is without car insurance. To protect you and your loved ones, you can obtain uninsured motorist coverage, which pays for a loss involving an accident with an uninsured driver.

When searching for the perfect car insurance policy, it's helpful to know who other people use. In Indiana, Nationwide, Travelers, State Auto, and Safeco are all viable options and trusted by many. These carriers are best known for their superior claims service and broad coverage selection.

Do You Know What Your Indiana Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto Theft Rate per 1,000Annual Insurance Cost
Anderson24.23.55$1,066
Bloomington16.61.54$970
Columbus171.15$958
Elkhart18.75.28$994
Fort Wayne21.22.11$1,288
Indianapolis23.65.64$1,126
Lafayette17.12.16$892
Lawrence26.53.78$1,102
Merrillville292.02$886
New Albany20.94.64$850
Richmond163.76$976
Westfield23.80.28$814