Average Car Insurance Cost in Indiana
Numbers refreshed
NAIC shows coverage averages for Indiana and Indiana's national rank.
- $1,142.yearly average for full coverage.
- 25/50/25.liability limits at the minimum.
- 42nd most expensive state of 51 (1st = highest).
Average Indiana costs by type of coverage
Full coverage costs an average of $1,142 a year in Indiana. The US average is $1,613 a year, making this amount 29% less.
In 2023, average spending per insured car was $927; by 2024, it reached $1,019, up 10.0%.
| Coverage in Indiana | Per year | Per month |
|---|---|---|
| Liability | $523 | $44 |
| Collision | $397 | $33 |
| Comprehensive | $222 | $18 |
| Full coverage (all three) | $1,142 | $95 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Indiana compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| South Dakota | 39th | $1,291 | $108 |
| Wyoming | 40th | $1,262 | $105 |
| North Carolina | 41st | $1,233 | $103 |
| Indiana | 42nd | $1,142 | $95 |
| Ohio | 43rd | $1,134 | $94 |
| Iowa | 44th | $1,133 | $94 |
| Wisconsin | 45th | $1,112 | $93 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The number for you
Every age and record is included in the averages. Indiana's calculator adjusts for yours.
Learn more about car insurance in Indiana
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