Full Coverage Car Insurance in Indiana
Figures updated
Liability, collision and comprehensive together, priced from the Indiana averages.
- $95. Monthly average for full coverage.
- 25/50/25. The minimum liability limits.
- 42nd of 51most expensive state (1st = highest)
The cost of full coverage in Indiana
Full coverage adds collision and comprehensive to liability. Those two parts cost $619 a year in Indiana, added to the $523 liability average.
| 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).
When full coverage stops being worth the cost
While you still owe money on the car, lenders and lease companies require it.
After you pay off the car, compare its value with the added cover's yearly price of $619. When one rough year of premiums would pay for most of the car, liability only usually makes more sense.
Full coverage for each car in Indiana
These estimates are for an adult with a clean record, and they come from IIHS-HLDI loss results. Of the 40 models we price, these are the cheapest and the dearest:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $738 | $61 |
| Honda CR-V | $740 | $62 |
| Subaru Outback | $792 | $66 |
| Toyota RAV4 | $858 | $71 |
| Mercedes-Benz C-Class | $1,565 | $130 |
| Chevrolet Camaro | $1,827 | $152 |
| Dodge Charger | $2,028 | $169 |
| Dodge Challenger | $2,133 | $178 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
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