Car Insurance in Indiana
Figures updated on
The legal minimum, what drivers in Indiana pay and who is cheapest are covered here.
- Average monthly cost for full coverage: $95
- Minimum liability limits: 25/50/25
- Most expensive state: 42nd of 51 (1st = highest)
Indiana car insurance costs
For full coverage, the average Indiana driver pays $1,142 each year, or about $95 monthly At the legal minimum, a policy costs an average of $523 each year. This is 29% below the US yearly average of $1,613
| 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's legal minimum
Indiana requires a minimum of 25/50/25 liability coverage. Each person hurt is covered for $25,000, while everyone hurt in one crash is covered for $50,000. Damage to other people's property is covered for $25,000.
Indiana uses an at-fault rule. The crash-causing driver pays through their liability cover.
Although uninsured motorist cover isn't required, insurers must offer it in most states
Source: Indiana Department of Insurance, P&C Review Standards (IC 9-25-4).
How many drivers in Indiana lack insurance?
In 2023, about 14% of Indiana drivers had no car insurance. Their share ranked 22nd among the 51. If an uninsured driver hits you, this coverage pays your bills
marks when this was first written