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Average cost of car insurance in Indiana for 2024
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Indiana?
To determine how much car insurance in Indiana is, Bankrate’s insurance editorial team — which includes licensed agents with industry experience — analyzed average rate data from Quadrant Information Services. Based on our research, the average cost of car insurance in Indiana is $1,726 per year for full coverage and $414 for minimum coverage. However, rates vary by driver based on factors like your ZIP code, credit-based insurance score, claims history, driving record and age, among other factors. Further, insurers weigh rating factors differently, so experts recommend getting quotes from several companies to find the best price for the coverage you need.
Key takeaways
- Full coverage car insurance costs an average of $1,726 per year in Indiana, while minimum coverage is $414 per year.
- Monthly, this works out to about $144 for full coverage and $34 for minimum coverage insurance.
- Drivers with imperfect driving records and less-than-optimal credit will likely pay more for insurance than average.
- Parents who add young drivers to their policies and young drivers (under age 25) with their own policies pay more for insurance than older, more experienced drivers.
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Indiana car insurance rates by city
Not only do car insurance rates vary by state, but your city is also one of the criteria that may impact your Indiana car insurance rates. Each ZIP code has its own statistical likelihood of accidents, average cost of parts and repairs and other rating factors, resulting in different car insurance rates by city. In general, bigger cities often have more expensive auto insurance premiums. This is partially because cities with a high population density have a higher risk of accidents and vehicle theft than smaller cities.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Anderson | $135 | $1,615 | -7% |
| Frankton | $132 | $1,588 | -8% |
| Danville | $134 | $1,614 | -7% |
| Eminence | $139 | $1,666 | -4% |
| Jamestown | $133 | $1,591 | -8% |
| Martinsville | $138 | $1,660 | -4% |
| Milroy | $132 | $1,587 | -8% |
| Needham | $138 | $1,654 | -4% |
| Buckskin | $143 | $1,716 | -1% |
| Centerpoint | $149 | $1,789 | +4% |
| Cory | $147 | $1,765 | +2% |
| Stanford | $141 | $1,688 | -2% |
| Tunnelton | $144 | $1,732 | +0% |
| Bloomington | $138 | $1,650 | -5% |
| Washington | $143 | $1,720 | -0% |
| Gentryville | $142 | $1,702 | -1% |
| Saint Croix | $144 | $1,734 | +0% |
| Cynthiana | $145 | $1,738 | +1% |
| Lynnville | $142 | $1,701 | -2% |
| Rockport | $145 | $1,744 | +1% |
| Fishers | $131 | $1,576 | -9% |
| Boggstown | $136 | $1,633 | -6% |
| Finly | $134 | $1,608 | -7% |
| Manilla | $130 | $1,562 | -10% |
| Maxwell | $134 | $1,610 | -7% |
| Mays | $133 | $1,591 | -8% |
| North Salem | $137 | $1,642 | -5% |
| Fortville | $137 | $1,641 | -5% |
| Hobbs | $133 | $1,598 | -8% |
| Mulberry | $136 | $1,627 | -6% |
| Noblesville | $130 | $1,562 | -10% |
| Orestes | $132 | $1,589 | -8% |
| Westfield | $129 | $1,548 | -11% |
| Zionsville | $132 | $1,589 | -8% |
| Carmel | $130 | $1,559 | -10% |
| Greencastle | $143 | $1,712 | -1% |
| Monrovia | $137 | $1,644 | -5% |
| Arcadia | $131 | $1,567 | -10% |
| Kempton | $133 | $1,595 | -8% |
| Sedalia | $135 | $1,619 | -6% |
| Whitestown | $131 | $1,576 | -9% |
| Amo | $140 | $1,678 | -3% |
| Charlottesville | $131 | $1,577 | -9% |
| Fountaintown | $135 | $1,617 | -7% |
| Lizton | $134 | $1,612 | -7% |
| Morgantown | $144 | $1,727 | +0% |
| Floyds Knobs | $145 | $1,745 | +1% |
| Canaan | $151 | $1,816 | +5% |
| Rolling Prairie | $148 | $1,779 | +3% |
| Elkhart | $135 | $1,615 | -7% |
| Mishawaka | $134 | $1,606 | -7% |
| Shipshewana | $0 | $0 | -200% |
| Walkerton | $143 | $1,711 | -1% |
| South Bend | $138 | $1,661 | -4% |
| Muncie | $129 | $1,548 | -11% |
| Connersville | $130 | $1,562 | -10% |
| Gaston | $129 | $1,545 | -11% |
| Straughn | $129 | $1,553 | -11% |
| Ellettsville | $139 | $1,673 | -3% |
| Elwood | $130 | $1,564 | -10% |
| Forest | $135 | $1,615 | -7% |
| Michigantown | $134 | $1,612 | -7% |
| Sheridan | $130 | $1,558 | -10% |
| Fairland | $136 | $1,636 | -5% |
| Gwynneville | $135 | $1,615 | -7% |
| Homer | $132 | $1,585 | -9% |
| Unionville | $143 | $1,717 | -1% |
| Crane | $145 | $1,741 | +1% |
| Santa Claus | $143 | $1,720 | -0% |
| Boonville | $143 | $1,720 | -0% |
| Elberfeld | $143 | $1,712 | -1% |
| Quincy | $143 | $1,717 | -1% |
| Switz City | $143 | $1,721 | -0% |
| West Baden Springs | $147 | $1,769 | +2% |
| Plainville | $145 | $1,738 | +1% |
| Grandview | $142 | $1,706 | -1% |
| Griffin | $144 | $1,733 | +0% |
| Hatfield | $145 | $1,735 | +0% |
| Leopold | $143 | $1,721 | -0% |
| Monroe City | $142 | $1,699 | -2% |
| Staunton | $148 | $1,773 | +3% |
| Sullivan | $145 | $1,742 | +1% |
| Attica | $140 | $1,681 | -3% |
| Medaryville | $148 | $1,773 | +3% |
| Wallace | $140 | $1,682 | -3% |
| Waynetown | $131 | $1,576 | -9% |
| Ambia | $138 | $1,653 | -4% |
| Battle Ground | $128 | $1,540 | -11% |
| Fowler | $137 | $1,644 | -5% |
| Linden | $132 | $1,580 | -9% |
| Morocco | $143 | $1,716 | -1% |
| Mount Ayr | $143 | $1,715 | -1% |
| Yeoman | $142 | $1,702 | -1% |
| Goodland | $140 | $1,684 | -2% |
| Hillsboro | $143 | $1,715 | -1% |
| Monticello | $140 | $1,675 | -3% |
| New Market | $136 | $1,632 | -6% |
| New Ross | $133 | $1,592 | -8% |
| Pine Village | $137 | $1,646 | -5% |
| Williamsport | $138 | $1,658 | -4% |
| Universal | $143 | $1,714 | -1% |
| West Terre Haute | $142 | $1,705 | -1% |
| Lafayette | $126 | $1,509 | -13% |
| West Lafayette | $127 | $1,524 | -12% |
| Brook | $141 | $1,690 | -2% |
| Cayuga | $145 | $1,734 | +0% |
| Crawfordsville | $131 | $1,571 | -9% |
| Mellott | $140 | $1,677 | -3% |
| Oxford | $138 | $1,654 | -4% |
| Rensselaer | $142 | $1,707 | -1% |
| Waveland | $136 | $1,629 | -6% |
| Earl Park | $135 | $1,617 | -7% |
| Reynolds | $140 | $1,680 | -3% |
| Fort Wayne | $134 | $1,611 | -7% |
| Burlington | $140 | $1,680 | -3% |
| Greentown | $134 | $1,608 | -7% |
| Lake Cicott | $139 | $1,665 | -4% |
| Logansport | $137 | $1,646 | -5% |
| North Manchester | $136 | $1,631 | -6% |
| Rockfield | $141 | $1,694 | -2% |
| Florence | $153 | $1,840 | +6% |
| Templeton | $138 | $1,651 | -4% |
| Wingate | $137 | $1,649 | -5% |
| Wolcott | $138 | $1,655 | -4% |
| Markleville | $135 | $1,625 | -6% |
| Summitville | $132 | $1,580 | -9% |
| Thorntown | $133 | $1,594 | -8% |
| Windfall | $133 | $1,596 | -8% |
| Greenfield | $135 | $1,615 | -7% |
| Plainfield | $135 | $1,617 | -7% |
| Putnamville | $144 | $1,731 | +0% |
| Mc Cordsville | $137 | $1,638 | -5% |
| Tipton | $130 | $1,565 | -10% |
| Cloverdale | $142 | $1,710 | -1% |
| Mooresville | $135 | $1,621 | -6% |
| New Palestine | $139 | $1,665 | -4% |
| Pittsboro | $135 | $1,616 | -7% |
| Atlanta | $128 | $1,539 | -12% |
| Cicero | $129 | $1,551 | -11% |
| Ingalls | $133 | $1,597 | -8% |
| Advance | $134 | $1,602 | -7% |
| Deedsville | $138 | $1,658 | -4% |
| Delong | $142 | $1,708 | -1% |
| Jonesboro | $133 | $1,593 | -8% |
| Monterey | $145 | $1,744 | +1% |
| Silver Lake | $137 | $1,650 | -5% |
| Sweetser | $133 | $1,598 | -8% |
| Winamac | $145 | $1,738 | +1% |
| Brookville | $144 | $1,723 | -0% |
| East Enterprise | $149 | $1,786 | +3% |
| Stilesville | $137 | $1,648 | -5% |
| Whiteland | $135 | $1,617 | -7% |
| Wilkinson | $133 | $1,598 | -8% |
| Indianapolis | $150 | $1,800 | +4% |
| Kingsford Heights | $146 | $1,751 | +1% |
| New Point | $136 | $1,634 | -6% |
| Lewisville | $131 | $1,577 | -9% |
| Lynn | $128 | $1,533 | -12% |
| Milton | $129 | $1,549 | -11% |
| Montpelier | $130 | $1,565 | -10% |
| Parker City | $127 | $1,527 | -12% |
| Portland | $127 | $1,523 | -13% |
| French Lick | $147 | $1,763 | +2% |
| Fair Oaks | $146 | $1,752 | +1% |
| Monon | $139 | $1,672 | -3% |
| Otterbein | $137 | $1,638 | -5% |
| Romney | $128 | $1,536 | -12% |
| Camby | $147 | $1,759 | +2% |
| Avon | $138 | $1,656 | -4% |
| Falmouth | $136 | $1,627 | -6% |
| North Judson | $149 | $1,793 | +4% |
| Portage | $152 | $1,823 | +5% |
| Tefft | $143 | $1,711 | -1% |
| Valparaiso | $144 | $1,730 | +0% |
| Westville | $149 | $1,793 | +4% |
| Gary | $223 | $2,673 | +43% |
| Burket | $136 | $1,633 | -6% |
| North Webster | $135 | $1,624 | -6% |
| Tippecanoe | $140 | $1,685 | -2% |
| Nashville | $147 | $1,758 | +2% |
| Huntingburg | $132 | $1,588 | -8% |
| Montgomery | $141 | $1,698 | -2% |
| Oaktown | $145 | $1,735 | +0% |
| Otwell | $136 | $1,635 | -5% |
| Chrisney | $144 | $1,730 | +0% |
| Newburgh | $143 | $1,713 | -1% |
| Colfax | $133 | $1,595 | -8% |
| Frankfort | $132 | $1,589 | -8% |
| Goldsmith | $136 | $1,626 | -6% |
| Lebanon | $131 | $1,570 | -9% |
| Arlington | $131 | $1,570 | -10% |
| Beech Grove | $152 | $1,820 | +5% |
| Clayton | $135 | $1,622 | -6% |
| Edinburgh | $132 | $1,582 | -9% |
| Greenwood | $136 | $1,633 | -6% |
| Shepardsville | $142 | $1,704 | -1% |
| Brookston | $138 | $1,655 | -4% |
| Idaville | $140 | $1,683 | -3% |
| Ladoga | $134 | $1,611 | -7% |
| Solsberry | $144 | $1,733 | +0% |
| Spencer | $144 | $1,731 | +0% |
| Springville | $145 | $1,740 | +1% |
| Birdseye | $136 | $1,629 | -6% |
| Cannelburg | $141 | $1,693 | -2% |
| Fulda | $143 | $1,714 | -1% |
| Alamo | $133 | $1,599 | -8% |
| Kentland | $140 | $1,677 | -3% |
| Kingman | $143 | $1,714 | -1% |
| New Richmond | $132 | $1,589 | -8% |
| Newtown | $141 | $1,696 | -2% |
| State Line | $138 | $1,657 | -4% |
| Worthington | $146 | $1,747 | +1% |
| Dale | $141 | $1,697 | -2% |
| Boswell | $138 | $1,661 | -4% |
| Chalmers | $142 | $1,699 | -2% |
| Covington | $140 | $1,678 | -3% |
| Fillmore | $144 | $1,723 | -0% |
| Glenwood | $130 | $1,565 | -10% |
| Nineveh | $146 | $1,751 | +1% |
| Kokomo | $134 | $1,609 | -7% |
| Athens | $140 | $1,677 | -3% |
| Bunker Hill | $134 | $1,608 | -7% |
| Delphi | $141 | $1,698 | -2% |
| Fowlerton | $136 | $1,632 | -6% |
| Gas City | $133 | $1,601 | -8% |
| Liberty Mills | $136 | $1,634 | -5% |
| New Waverly | $137 | $1,642 | -5% |
| Wabash | $133 | $1,594 | -8% |
| Walton | $136 | $1,634 | -5% |
| Aurora | $144 | $1,732 | +0% |
| Cedar Grove | $140 | $1,675 | -3% |
| Boone Grove | $147 | $1,758 | +2% |
| Hammond | $208 | $2,502 | +37% |
| La Porte | $146 | $1,753 | +1% |
| Francisco | $141 | $1,694 | -2% |
| Evansville | $145 | $1,741 | +1% |
| Terre Haute | $144 | $1,726 | -0% |
| Hymera | $145 | $1,736 | +1% |
| Oolitic | $146 | $1,747 | +1% |
| Owensburg | $146 | $1,755 | +2% |
| Paoli | $146 | $1,756 | +2% |
| Patricksburg | $147 | $1,762 | +2% |
| Bicknell | $142 | $1,698 | -2% |
| Mariah Hill | $144 | $1,733 | +0% |
| Saint Anthony | $133 | $1,600 | -8% |
| Sandborn | $145 | $1,742 | +1% |
| Mount Vernon | $143 | $1,717 | -1% |
| Orleans | $145 | $1,740 | +1% |
| Williams | $146 | $1,754 | +2% |
| Bristow | $145 | $1,736 | +1% |
| Celestine | $133 | $1,601 | -8% |
| Decker | $141 | $1,689 | -2% |
| Derby | $143 | $1,711 | -1% |
| Evanston | $142 | $1,698 | -2% |
| Ferdinand | $132 | $1,588 | -8% |
| Freelandville | $143 | $1,722 | -0% |
| Holland | $134 | $1,606 | -7% |
| Lincoln City | $143 | $1,721 | -0% |
| Loogootee | $143 | $1,713 | -1% |
| Odon | $144 | $1,725 | -0% |
| Rome | $143 | $1,720 | -0% |
| Tell City | $143 | $1,714 | -1% |
| Velpen | $135 | $1,625 | -6% |
| Wheatland | $141 | $1,688 | -2% |
| Branchville | $144 | $1,724 | -0% |
| Cannelton | $144 | $1,732 | +0% |
| Lamar | $141 | $1,687 | -2% |
| Chandler | $142 | $1,704 | -1% |
| Inglefield | $144 | $1,725 | -0% |
| Hazleton | $142 | $1,701 | -1% |
| Princeton | $143 | $1,717 | -1% |
| Carbon | $148 | $1,779 | +3% |
| Dana | $145 | $1,743 | +1% |
| Farmersburg | $148 | $1,771 | +3% |
| Paxton | $146 | $1,747 | +1% |
| Seelyville | $142 | $1,703 | -1% |
| Lowell | $144 | $1,731 | +0% |
| Michigan City | $148 | $1,776 | +3% |
| Argos | $138 | $1,656 | -4% |
| Claypool | $134 | $1,607 | -7% |
| Donaldson | $139 | $1,666 | -4% |
| Shelbyville | $131 | $1,570 | -9% |
| East Chicago | $220 | $2,644 | +42% |
| Crown Point | $150 | $1,799 | +4% |
| Lake Village | $146 | $1,751 | +1% |
| Perrysville | $143 | $1,714 | -1% |
| Talbot | $142 | $1,703 | -1% |
| Veedersburg | $143 | $1,712 | -1% |
| Westpoint | $128 | $1,533 | -12% |
| Mill Creek | $147 | $1,761 | +2% |
| San Pierre | $149 | $1,784 | +3% |
| Wanatah | $146 | $1,757 | +2% |
| Atwood | $133 | $1,598 | -8% |
| Grovertown | $146 | $1,757 | +2% |
| Tyner | $140 | $1,678 | -3% |
| Culver | $141 | $1,694 | -2% |
| Lakeville | $136 | $1,634 | -6% |
| Winona Lake | $133 | $1,599 | -8% |
| Memphis | $149 | $1,786 | +3% |
| Taswell | $151 | $1,812 | +5% |
| Dupont | $148 | $1,778 | +3% |
| Schneider | $151 | $1,813 | +5% |
| Thayer | $143 | $1,717 | -1% |
| Merrillville | $174 | $2,088 | +19% |
| Knox | $149 | $1,788 | +3% |
| Warsaw | $132 | $1,587 | -8% |
| Beverly Shores | $149 | $1,792 | +4% |
| Griffith | $169 | $2,025 | +16% |
| Hebron | $147 | $1,760 | +2% |
| Andrews | $130 | $1,555 | -10% |
| Berne | $127 | $1,525 | -12% |
| Geneva | $126 | $1,507 | -14% |
| Huntertown | $128 | $1,540 | -11% |
| Warren | $130 | $1,554 | -10% |
| Waldron | $130 | $1,561 | -10% |
| Highland | $166 | $1,991 | +14% |
| Markle | $129 | $1,547 | -11% |
| Twelve Mile | $139 | $1,669 | -3% |
| Van Buren | $134 | $1,606 | -7% |
| Bath | $140 | $1,684 | -3% |
| Decatur | $125 | $1,501 | -14% |
| New Haven | $129 | $1,542 | -11% |
| Yoder | $128 | $1,540 | -11% |
| Zanesville | $131 | $1,569 | -10% |
| Columbia City | $131 | $1,567 | -10% |
| Hoagland | $129 | $1,547 | -11% |
| Howe | $0 | $0 | -200% |
| Huntington | $128 | $1,532 | -12% |
| Keystone | $129 | $1,545 | -11% |
| Mongo | $0 | $0 | -200% |
| Ossian | $130 | $1,559 | -10% |
| Uniondale | $128 | $1,542 | -11% |
| Lawrenceburg | $143 | $1,715 | -1% |
| Napoleon | $143 | $1,720 | -0% |
| Bradford | $152 | $1,827 | +6% |
| English | $148 | $1,775 | +3% |
| Georgetown | $147 | $1,760 | +2% |
| Sulphur | $147 | $1,762 | +2% |
| Columbus | $128 | $1,541 | -11% |
| Demotte | $148 | $1,771 | +3% |
| Kouts | $145 | $1,737 | +1% |
| Haubstadt | $143 | $1,712 | -1% |
| Owensville | $143 | $1,717 | -1% |
| Blanford | $144 | $1,733 | +0% |
| Bowling Green | $150 | $1,802 | +4% |
| Coalmont | $150 | $1,804 | +4% |
| Dugger | $146 | $1,753 | +2% |
| Graysville | $144 | $1,731 | +0% |
| Marion | $134 | $1,609 | -7% |
| Russiaville | $135 | $1,622 | -6% |
| Upland | $134 | $1,605 | -7% |
| Batesville | $140 | $1,680 | -3% |
| Guilford | $147 | $1,763 | +2% |
| Holton | $146 | $1,749 | +1% |
| Granger | $135 | $1,619 | -6% |
| Leesburg | $133 | $1,601 | -8% |
| Elnora | $143 | $1,717 | -1% |
| Jasper | $131 | $1,577 | -9% |
| Ragsdale | $143 | $1,722 | -0% |
| Shoals | $144 | $1,733 | +0% |
| Stendal | $136 | $1,633 | -6% |
| Vincennes | $141 | $1,688 | -2% |
| Westphalia | $142 | $1,707 | -1% |
| Winslow | $137 | $1,638 | -5% |
| New Harmony | $145 | $1,737 | +1% |
| Tennyson | $144 | $1,731 | +0% |
| Bruceville | $141 | $1,686 | -2% |
| Ireland | $132 | $1,589 | -8% |
| Schnellville | $133 | $1,597 | -8% |
| Spurgeon | $141 | $1,692 | -2% |
| Troy | $141 | $1,694 | -2% |
| Hamlet | $147 | $1,769 | +2% |
| Millersburg | $137 | $1,649 | -5% |
| Pierceton | $134 | $1,608 | -7% |
| Clay City | $149 | $1,788 | +4% |
| Mecca | $146 | $1,752 | +1% |
| New Goshen | $143 | $1,712 | -1% |
| Alexandria | $130 | $1,562 | -10% |
| Burrows | $139 | $1,674 | -3% |
| Denver | $138 | $1,651 | -4% |
| Flora | $140 | $1,677 | -3% |
| Hemlock | $135 | $1,622 | -6% |
| Peru | $133 | $1,597 | -8% |
| Roann | $135 | $1,622 | -6% |
| Bainbridge | $144 | $1,725 | -0% |
| Carthage | $132 | $1,589 | -8% |
| Franklin | $134 | $1,614 | -7% |
| Paragon | $141 | $1,695 | -2% |
| Reelsville | $144 | $1,733 | +0% |
| Matthews | $133 | $1,595 | -8% |
| Royal Center | $140 | $1,681 | -3% |
| Star City | $144 | $1,732 | +0% |
| West Middleton | $140 | $1,684 | -2% |
| Cross Plains | $145 | $1,735 | +1% |
| Russellville | $145 | $1,743 | +1% |
| Amboy | $130 | $1,560 | -10% |
| Bringhurst | $138 | $1,656 | -4% |
| Fairmount | $133 | $1,596 | -8% |
| Onward | $138 | $1,651 | -4% |
| Servia | $134 | $1,607 | -7% |
| Somerset | $133 | $1,592 | -8% |
| Swayzee | $135 | $1,616 | -7% |
| Fort Branch | $142 | $1,703 | -1% |
| Mackey | $143 | $1,720 | -0% |
| Oakland City | $142 | $1,705 | -1% |
| Brazil | $146 | $1,757 | +2% |
| Merom | $145 | $1,744 | +1% |
| Rosedale | $146 | $1,750 | +1% |
| Converse | $132 | $1,588 | -8% |
| Galveston | $138 | $1,655 | -4% |
| Lagro | $133 | $1,601 | -8% |
| Laketon | $136 | $1,633 | -6% |
| Ora | $151 | $1,812 | +5% |
| Grissom Arb | $135 | $1,625 | -6% |
| Bennington | $149 | $1,789 | +4% |
| Patoka | $141 | $1,697 | -2% |
| Montezuma | $145 | $1,740 | +1% |
| Cutler | $137 | $1,649 | -5% |
| Fulton | $143 | $1,721 | -0% |
| Grass Creek | $142 | $1,702 | -1% |
| Macy | $139 | $1,671 | -3% |
| Dillsboro | $148 | $1,773 | +3% |
| Bremen | $134 | $1,614 | -7% |
| Etna Green | $134 | $1,612 | -7% |
| Lapaz | $137 | $1,640 | -5% |
| Middlebury | $137 | $1,645 | -5% |
| Bellmore | $150 | $1,802 | +4% |
| Rockville | $146 | $1,754 | +2% |
| Buffalo | $140 | $1,679 | -3% |
| Francesville | $144 | $1,731 | +0% |
| Newport | $144 | $1,724 | -0% |
| Remington | $140 | $1,678 | -3% |
| West Lebanon | $138 | $1,660 | -4% |
| Wadesville | $147 | $1,765 | +2% |
| Bridgeton | $145 | $1,737 | +1% |
| Fontanet | $144 | $1,722 | -0% |
| Lapel | $133 | $1,598 | -8% |
| Coatesville | $137 | $1,647 | -5% |
| Morristown | $134 | $1,611 | -7% |
| Roachdale | $143 | $1,719 | -0% |
| Chesterton | $147 | $1,761 | +2% |
| Munster | $168 | $2,018 | +16% |
| Carlisle | $147 | $1,769 | +2% |
| Hillsdale | $145 | $1,741 | +1% |
| Poland | $146 | $1,754 | +2% |
| Rushville | $129 | $1,546 | -11% |
| Trafalgar | $137 | $1,648 | -5% |
| Kewanna | $144 | $1,727 | +0% |
| Miami | $135 | $1,626 | -6% |
| Urbana | $134 | $1,611 | -7% |
| Friendship | $142 | $1,705 | -1% |
| Albion | $137 | $1,642 | -5% |
| Bluffton | $127 | $1,522 | -13% |
| Roanoke | $126 | $1,514 | -13% |
| Somerville | $144 | $1,723 | -0% |
| Lewis | $144 | $1,731 | +0% |
| Marshall | $145 | $1,746 | +1% |
| Jeffersonville | $174 | $2,085 | +19% |
| Leavenworth | $149 | $1,790 | +4% |
| New Salisbury | $152 | $1,828 | +6% |
| Madison | $147 | $1,759 | +2% |
| Millhousen | $145 | $1,738 | +1% |
| Burnettsville | $140 | $1,686 | -2% |
| Clarks Hill | $130 | $1,562 | -10% |
| Darlington | $130 | $1,562 | -10% |
| Dayton | $128 | $1,540 | -11% |
| West Harrison | $146 | $1,757 | +2% |
| Central | $153 | $1,833 | +6% |
| Charlestown | $146 | $1,748 | +1% |
| Elizabeth | $153 | $1,832 | +6% |
| Palmyra | $153 | $1,831 | +6% |
| Crothersville | $141 | $1,687 | -2% |
| Freetown | $144 | $1,724 | -0% |
| Bryant | $128 | $1,536 | -12% |
| New Castle | $129 | $1,553 | -11% |
| Shirley | $131 | $1,573 | -9% |
| Koleen | $151 | $1,812 | +5% |
| New Lisbon | $132 | $1,584 | -9% |
| Oakville | $131 | $1,571 | -9% |
| Saratoga | $126 | $1,516 | -13% |
| Heltonville | $147 | $1,763 | +2% |
| Arcola | $131 | $1,574 | -9% |
| Fremont | $139 | $1,670 | -3% |
| Hamilton | $139 | $1,670 | -3% |
| Stroh | $0 | $0 | -200% |
| Rising Sun | $146 | $1,753 | +2% |
| Austin | $145 | $1,745 | +1% |
| Borden | $151 | $1,813 | +5% |
| Eckerty | $146 | $1,753 | +2% |
| Lanesville | $150 | $1,794 | +4% |
| Angola | $139 | $1,666 | -4% |
| Larwill | $133 | $1,602 | -8% |
| Liberty Center | $129 | $1,551 | -11% |
| Poneto | $129 | $1,552 | -11% |
| South Whitley | $134 | $1,610 | -7% |
| Wawaka | $137 | $1,639 | -5% |
| West Newton | $157 | $1,889 | +9% |
| Cedar Lake | $146 | $1,756 | +2% |
| Dyer | $151 | $1,812 | +5% |
| Hobart | $172 | $2,062 | +18% |
| Seymour | $138 | $1,656 | -4% |
| Albany | $131 | $1,577 | -9% |
| Coal City | $147 | $1,767 | +2% |
| Gosport | $144 | $1,724 | -0% |
| Depauw | $154 | $1,845 | +7% |
| Clarksville | $146 | $1,747 | +1% |
| Laconia | $153 | $1,840 | +6% |
| Mauckport | $151 | $1,808 | +5% |
| Greensburg | $137 | $1,642 | -5% |
| Medora | $145 | $1,746 | +1% |
| Norman | $146 | $1,755 | +2% |
| North Vernon | $143 | $1,715 | -1% |
| Saint Paul | $137 | $1,648 | -5% |
| Westport | $140 | $1,674 | -3% |
| Dunkirk | $129 | $1,545 | -11% |
| Dunreith | $129 | $1,550 | -11% |
| Hagerstown | $128 | $1,537 | -12% |
| Metamora | $141 | $1,687 | -2% |
| Hanna | $145 | $1,737 | +1% |
| Kingsbury | $145 | $1,735 | +1% |
| La Crosse | $146 | $1,755 | +2% |
| Leroy | $154 | $1,844 | +7% |
| Newberry | $147 | $1,760 | +2% |
| Edwardsport | $142 | $1,708 | -1% |
| Petersburg | $137 | $1,638 | -5% |
| Poseyville | $144 | $1,729 | +0% |
| Richland | $145 | $1,739 | +1% |
| Midland | $146 | $1,758 | +2% |
| Mitchell | $147 | $1,762 | +2% |
| Scotland | $144 | $1,733 | +0% |
| Smithville | $141 | $1,693 | -2% |
| Stinesville | $143 | $1,716 | -1% |
| Dubois | $134 | $1,610 | -7% |
| Saint Meinrad | $142 | $1,707 | -1% |
| Laurel | $142 | $1,698 | -2% |
| Milan | $144 | $1,723 | -0% |
| Morris | $142 | $1,708 | -1% |
| Osgood | $142 | $1,703 | -1% |
| Corydon | $152 | $1,821 | +5% |
| Hardinsburg | $155 | $1,856 | +7% |
| Henryville | $151 | $1,807 | +5% |
| Milltown | $149 | $1,783 | +3% |
| Otisco | $153 | $1,835 | +6% |
| Cortland | $142 | $1,705 | -1% |
| Elizabethtown | $129 | $1,552 | -11% |
| Grammer | $132 | $1,586 | -8% |
| Kirklin | $134 | $1,612 | -7% |
| Pendleton | $133 | $1,595 | -8% |
| Rossville | $134 | $1,608 | -7% |
| Sharpsville | $135 | $1,617 | -7% |
| Bargersville | $135 | $1,617 | -7% |
| Brownsburg | $134 | $1,610 | -7% |
| Knightstown | $130 | $1,555 | -10% |
| Union Mills | $146 | $1,750 | +1% |
| North Liberty | $138 | $1,652 | -4% |
| Plymouth | $136 | $1,634 | -6% |
| Vallonia | $145 | $1,745 | +1% |
| Brownsville | $133 | $1,596 | -8% |
| Daleville | $130 | $1,565 | -10% |
| Liberty | $131 | $1,572 | -9% |
| Mooreland | $129 | $1,551 | -11% |
| Oldenburg | $138 | $1,653 | -4% |
| Versailles | $143 | $1,717 | -1% |
| Greenville | $151 | $1,806 | +5% |
| New Albany | $143 | $1,721 | -0% |
| Scottsburg | $146 | $1,752 | +1% |
| Brownstown | $143 | $1,712 | -1% |
| Kennard | $133 | $1,591 | -8% |
| Middletown | $130 | $1,561 | -10% |
| Redkey | $128 | $1,534 | -12% |
| Salamonia | $130 | $1,554 | -11% |
| Spiceland | $128 | $1,537 | -12% |
| Union City | $127 | $1,522 | -13% |
| Bloomingdale | $143 | $1,712 | -1% |
| Clinton | $143 | $1,713 | -1% |
| Fairbanks | $148 | $1,781 | +3% |
| Pimento | $145 | $1,737 | +1% |
| Schererville | $152 | $1,822 | +5% |
| Bristol | $135 | $1,621 | -6% |
| Mentone | $135 | $1,621 | -6% |
| Topeka | $0 | $0 | -200% |
| Wakarusa | $136 | $1,627 | -6% |
| Pierceville | $144 | $1,727 | +0% |
| Mount Saint Francis | $147 | $1,762 | +2% |
| New Middletown | $152 | $1,820 | +5% |
| Salem | $150 | $1,798 | +4% |
| Sellersburg | $144 | $1,726 | -0% |
| Clarksburg | $137 | $1,639 | -5% |
| Jonesville | $129 | $1,545 | -11% |
| Kurtz | $142 | $1,703 | -1% |
| Craigville | $129 | $1,546 | -11% |
| Kimmell | $138 | $1,661 | -4% |
| Wolflake | $137 | $1,641 | -5% |
| Harlan | $130 | $1,559 | -10% |
| Lagrange | $0 | $0 | -200% |
| Laotto | $134 | $1,603 | -7% |
| Leo | $130 | $1,559 | -10% |
| Monroe | $127 | $1,525 | -12% |
| Orland | $140 | $1,674 | -3% |
| Cromwell | $137 | $1,644 | -5% |
| Grabill | $130 | $1,560 | -10% |
| Kendallville | $135 | $1,618 | -6% |
| Syracuse | $132 | $1,580 | -9% |
| Churubusco | $131 | $1,573 | -9% |
| Monroeville | $129 | $1,544 | -11% |
| Petroleum | $131 | $1,574 | -9% |
| Rome City | $137 | $1,642 | -5% |
| Woodburn | $129 | $1,544 | -11% |
| Patriot | $149 | $1,792 | +4% |
| Vevay | $153 | $1,831 | +6% |
| Bethlehem | $150 | $1,797 | +4% |
| Campbellsburg | $150 | $1,806 | +4% |
| Crandall | $151 | $1,813 | +5% |
| Grantsburg | $146 | $1,750 | +1% |
| Hudson | $139 | $1,672 | -3% |
| Ligonier | $136 | $1,634 | -6% |
| Pleasant Lake | $138 | $1,661 | -4% |
| Pleasant Mills | $127 | $1,524 | -12% |
| Wolcottville | $0 | $0 | -200% |
| Moores Hill | $146 | $1,756 | +2% |
| New Trenton | $141 | $1,693 | -2% |
| Sunman | $143 | $1,718 | -1% |
| Fredericksburg | $154 | $1,846 | +7% |
| Lexington | $146 | $1,757 | +2% |
| Marengo | $148 | $1,781 | +3% |
| Nabb | $150 | $1,800 | +4% |
| New Washington | $150 | $1,805 | +4% |
| Underwood | $151 | $1,808 | +5% |
| Flat Rock | $131 | $1,575 | -9% |
| Hanover | $146 | $1,756 | +2% |
| Hope | $130 | $1,562 | -10% |
| Avilla | $135 | $1,618 | -7% |
| Bippus | $130 | $1,555 | -10% |
| Linn Grove | $127 | $1,522 | -13% |
| South Milford | $0 | $0 | -200% |
| La Fontaine | $134 | $1,607 | -7% |
| Lucerne | $139 | $1,674 | -3% |
| Rochester | $140 | $1,678 | -3% |
| Marysville | $149 | $1,789 | +4% |
| Pekin | $152 | $1,823 | +5% |
| Ramsey | $152 | $1,827 | +6% |
| Butlerville | $143 | $1,714 | -1% |
| Clifford | $131 | $1,572 | -9% |
| Commiskey | $146 | $1,751 | +1% |
| Deputy | $145 | $1,742 | +1% |
| Hartsville | $130 | $1,560 | -10% |
| Eaton | $131 | $1,571 | -9% |
| Selma | $130 | $1,560 | -10% |
| Webster | $128 | $1,539 | -11% |
| Linton | $146 | $1,757 | +2% |
| Lyons | $146 | $1,748 | +1% |
| Akron | $144 | $1,725 | -0% |
| Camden | $139 | $1,673 | -3% |
| Leiters Ford | $142 | $1,707 | -1% |
| Oakford | $135 | $1,624 | -6% |
| Young America | $136 | $1,637 | -5% |
| West College Corner | $137 | $1,644 | -5% |
| Saint John | $149 | $1,793 | +4% |
| Wheeler | $149 | $1,786 | +3% |
| Whiting | $208 | $2,490 | +36% |
| Lake Station | $196 | $2,356 | +31% |
| Bourbon | $135 | $1,624 | -6% |
| Goshen | $133 | $1,597 | -8% |
| Milford | $132 | $1,586 | -8% |
| Osceola | $131 | $1,575 | -9% |
| Centerville | $128 | $1,538 | -12% |
| Dublin | $129 | $1,545 | -11% |
| Farmland | $127 | $1,521 | -13% |
| Ridgeville | $129 | $1,543 | -11% |
| Williamsburg | $127 | $1,529 | -12% |
| Freedom | $145 | $1,740 | +1% |
| Scipio | $141 | $1,689 | -2% |
| Greens Fork | $133 | $1,592 | -8% |
| Hartford City | $131 | $1,571 | -9% |
| Modoc | $127 | $1,525 | -12% |
| Mount Summit | $129 | $1,546 | -11% |
| Richmond | $126 | $1,506 | -14% |
| Springport | $129 | $1,553 | -11% |
| Sulphur Springs | $132 | $1,586 | -8% |
| Yorktown | $129 | $1,546 | -11% |
| Avoca | $145 | $1,745 | +1% |
| Sumava Resorts | $143 | $1,717 | -1% |
| Wheatfield | $146 | $1,751 | +1% |
| Nappanee | $133 | $1,598 | -8% |
| New Carlisle | $144 | $1,729 | +0% |
| New Paris | $137 | $1,646 | -5% |
| Paris Crossing | $143 | $1,713 | -1% |
| Taylorsville | $130 | $1,557 | -10% |
| Bentonville | $130 | $1,562 | -10% |
| Cambridge City | $128 | $1,531 | -12% |
| Economy | $129 | $1,543 | -11% |
| Losantville | $127 | $1,528 | -12% |
| Bedford | $144 | $1,731 | +0% |
| Bloomfield | $145 | $1,737 | +1% |
| Shelburn | $145 | $1,738 | +1% |
| Fountain City | $129 | $1,551 | -11% |
| Pennville | $128 | $1,531 | -12% |
| Winchester | $127 | $1,521 | -13% |
| Helmsburg | $142 | $1,705 | -1% |
| Huron | $146 | $1,748 | +1% |
| Jasonville | $147 | $1,761 | +2% |
Average car insurance costs by age and gender in Indiana
Age and gender are two factors that may affect car insurance rates in Indiana. Generally speaking, young drivers who are recently licensed pay the highest car insurance rates, as they are at a statistically higher likelihood of accidents due to a lack of experience behind the wheel. Additionally, male drivers tend to pay higher rates than female drivers because of their higher accident frequency and severity.
However, not all states use age and gender as car insurance rating factors. In Hawaii and Massachusetts, car insurance companies cannot consider your age when calculating car insurance rates. In California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania, gender is not a contributing factor to car insurance premiums.
The following tables show the average rates in Indiana broken down by age and gender.
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in IN
$3,823
|
Average minimum coverage premium in IN
$1,074
|
|
Age 18
|
Average annual full coverage premium in IN
$4,853
|
Average minimum coverage premium in IN
$1,369
|
|
Age 20
|
Average annual full coverage premium in IN
$4,212
|
Average minimum coverage premium in IN
$1,061
|
|
Age 25
|
Average annual full coverage premium in IN
$2,294
|
Average minimum coverage premium in IN
$551
|
|
Age 30
|
Average annual full coverage premium in IN
$1,886
|
Average minimum coverage premium in IN
$441
|
|
Age 40
|
Average annual full coverage premium in IN
$1,742
|
Average minimum coverage premium in IN
$413
|
|
Age 50
|
Average annual full coverage premium in IN
$1,606
|
Average minimum coverage premium in IN
$390
|
|
Age 60
|
Average annual full coverage premium in IN
$1,559
|
Average minimum coverage premium in IN
$393
|
|
Age 70
|
Average annual full coverage premium in IN
$1,740
|
Average minimum coverage premium in IN
$465
|
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in IN
$3,518
|
Average minimum coverage premium in IN
$1,014
|
|
Age 18
|
Average annual full coverage premium in IN
$4,253
|
Average minimum coverage premium in IN
$1,179
|
|
Age 20
|
Average annual full coverage premium in IN
$3,438
|
Average minimum coverage premium in IN
$912
|
|
Age 25
|
Average annual full coverage premium in IN
$2,080
|
Average minimum coverage premium in IN
$516
|
|
Age 30
|
Average annual full coverage premium in IN
$1,834
|
Average minimum coverage premium in IN
$439
|
|
Age 40
|
Average annual full coverage premium in IN
$1,711
|
Average minimum coverage premium in IN
$414
|
|
Age 50
|
Average annual full coverage premium in IN
$1,494
|
Average minimum coverage premium in IN
$388
|
|
Age 60
|
Average annual full coverage premium in IN
$1,527
|
Average minimum coverage premium in IN
$386
|
|
Age 70
|
Average annual full coverage premium in IN
$1,689
|
Average minimum coverage premium in IN
$443
|
Bankrate’s take: Car insurance premiums are based on historical and statistical data. While six states don't use gender as an insurance rating factor, all other states (including Indiana) allow the use of gender in determining car insurance rates. According to the Insurance Institute for Highway Safety, men not only tend to drive more, but they are more likely to speed, drive impaired and not wear a seatbelt. These behaviors directly impact the risk and severity of accidents, resulting in increased insurance premiums for male drivers.
Cost considerations for young drivers in Indiana
Average car insurance costs in Indiana are generally the highest for young drivers. Insurers charge higher rates to offset the risk of insuring young drivers, who have less experience on the road. However, premiums can vary significantly depending on whether a young driver has their own car insurance policy or is insured on their parents’ policy. While drivers can’t purchase their own policy until they turn 18, it’s almost always cheaper for young drivers to remain on their parents’ insurance as long as they’re able.
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in IN
$3,670
|
|
Age 17
|
Avg. annual premium for drivers in IN
$3,288
|
|
Age 18
|
Avg. annual premium for drivers in IN
$3,053
|
|
Age 19
|
Avg. annual premium for drivers in IN
$2,789
|
|
Age 20
|
Avg. annual premium for drivers in IN
$2,685
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in IN
$4,553
|
|
Age 19
|
Avg. annual premium for drivers in IN
$4,143
|
|
Age 20
|
Avg. annual premium for drivers in IN
$3,825
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 49 percent more |
| Age 19 | 49 percent more |
| Age 20 | 42 percent more |
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in Indiana?
Your driving record has one of the biggest impacts on your car insurance rate. Drivers considered high-risk due to a history of speeding ticket convictions, at-fault accidents and DUI or OWI convictions often pay much higher rates for car insurance coverage. The table here outlines the average car insurance rates in IN for certain violations and how these rates compare to the average rate for a clean record.
|
|
|
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in IN
$1,726
|
Percentage increase from IN avg. annual premium*
0%
|
|
Avg. annual premium* in IN
$2,063
|
Percentage increase from IN avg. annual premium*
20%
|
|
|
Avg. annual premium* in IN
$2,286
|
Percentage increase from IN avg. annual premium*
32%
|
|
|
Avg. annual premium* in IN
$3,298
|
Percentage increase from IN avg. annual premium*
91%
|
Car insurance rates in Indiana by credit score
Car insurance companies are allowed to use credit-based insurance scores to help determine car insurance rates in every state except California, Hawaii, Massachusetts and Michigan. That means car insurance companies in Indiana may check your credit when calculating your rate and base your premiums, in part, on your payment and credit history. Based on our analysis, drivers with poor credit in Indiana pay the highest average rates, while drivers with excellent credit pay the lowest average rates.
|
|
|
|
|---|---|---|
|
Avg. annual premium* in IN
$3,474
|
Percentage difference from IN avg. annual premium*
101%
|
|
|
Average
|
Avg. annual premium* in IN
$1,919
|
Percentage difference from IN avg. annual premium*
11%
|
|
Avg. annual premium* in IN
$1,726
|
Percentage difference from IN avg. annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in IN
$1,394
|
Percentage difference from IN avg. annual premium*
-19%
|
Indiana car insurance rates by vehicle type
When you apply for a car insurance policy, you will be asked to provide the make and model of your vehicle and/or the VIN. The type of car you have will generally impact the cost of your insurance. To give you an idea of what you might pay for insurance based on your vehicle type, we’ve included average rates for several popular cars in the table.
|
|
|
|---|---|
|
Avg. annual premium* in IN
$1,726
|
|
|
Avg. annual premium* in IN
$1,675
|
|
|
Avg. annual premium* in IN
$1,520
|
|
|
BMW 330i
|
Avg. annual premium* in IN
$2,106
|
|
Toyota Prius
|
Avg. annual premium* in IN
$1,794
|
Estimate your car insurance cost in Indiana
With so many factors and decisions involved in selecting a car insurance policy, estimating what you can expect to pay for coverage can be a great place to start your search. To make it easy, Bankrate created the estimation calculator tool below. After entering some basic information, you'll see a rough insurance premium estimate. While this is not an exact quote, it can give you a good idea so you can budget accordingly.
Calculate your monthly car insurance payment
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How to save on car insurance in Indiana
Car insurance rates are different for every driver, and some people pay higher rates than others. Fortunately, there are many ways to potentially get a lower premium. Here are a few suggestions for getting cheaper car insurance in Indiana:
- Look for discounts: Many car insurance companies in Indiana offer discounts. Some of the most common discounts include savings for getting good grades, not submitting claims, taking a defensive driver course and insuring a vehicle with certain safety features.
- Improve your credit: In Indiana, car insurance companies can use your credit-based insurance score to determine your rate. Improving your credit may help you save money on your policy.
- Raise your deductibles: Some car insurance coverage options, like collision insurance, require you to pay a deductible when you have a claim. Choosing a higher deductible can help lower your monthly rate but will cost you more out of pocket if you file a claim for a covered incident.
- Shop around: Comparing car insurance quotes from a few companies can help you find the most affordable rate for your situation. You can also get new quotes from other car insurance companies every year or after a major event, like getting into an accident, to compare your options and ensure your rate remains low.
- Pay in full: If you pay your six- or 12-month policy premium in full when you purchase the policy, you can usually get a pretty substantial discount. Some providers also offer a discount for going paperless. If you can’t make the payment in full, see if the company gives a discount for enrolling in automatic monthly payments.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.
