How much is car insurance in Indiana?
In Indiana, a full-coverage auto policy averaged $1,032 a year in 2023 (NAIC), 28% below the $1,439 national average (9th lowest in the US), or about $1,220 a year in Indiana today (about $100 a month as of August 2026). For Indiana drivers, the law asks for at least 25/50/25 liability, and liability-only coverage—the closest NAIC measure to a minimum policy—averaged $485 in 2023 (about $580 today).
What people pay in Indiana: 8th lowest average in the US
Typical Indiana full-coverage price today
about $1,220 a year in Indiana (about $100 a month)
Indiana's 2023 NAIC full-coverage average ($1,032) adjusted +19% to August 2026 using the US motor-vehicle insurance price index; your Indiana rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Indiana was the 8th least expensive of the 50 states and DC (tied with New Hampshire) for full coverage ($1,032 vs $1,439 nationally), but ranked higher on liability alone (16th lowest in the US at $485) because liability makes up 47% of a full-coverage Indiana bill. Counting every insured car in Indiana—both full-coverage and liability-only policies—Indiana drivers spent $926 per vehicle on average in 2023 (9th lowest in the US, about $1,100 today), or 10% ($106) less than Indiana's full-coverage combined average.
Indiana costs less to insure than Illinois, Kentucky, Michigan, and Ohio
A typical full-coverage policy in Indiana ($1,032 in 2023) costs less than in all four bordering states. Among Indiana's neighbors, Ohio had the lowest 2023 average ($1,038, moving to Indiana is about the same) and Michigan had the highest ($1,573, moving to Indiana is about $720 less a year).
| State | 2023 average | Moving to Indiana from there |
|---|---|---|
| Indiana | $1,032 | Current state (Indiana) |
| Illinois | $1,257 | About $300 less a year |
| Kentucky | $1,208 | About $230 less a year |
| Michigan | $1,573 | About $720 less a year |
| Ohio | $1,038 | About the same |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: New Hampshire ($1,032 in 2023, about $1,220 today), Iowa ($1,010 in 2023, about $1,200 today), Wisconsin ($1,000 in 2023, about $1,190 today), and Hawaii ($998 in 2023, about $1,180 today).
Indiana: 25/50/25 minimums, with uninsured-motorist coverage unless rejected in writing
- Indiana liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP) in Indiana
- Not required
- Medical payments in Indiana
- Not required
- No-fault system in Indiana
- No
- Uninsured motorist in Indiana
- Included unless you decline in writing
- Underinsured motorist in Indiana
- Included unless you decline in writing
Set by IC 9-25-4-5 (minimum amounts of financial responsibility), 2026 Indiana Code, Indiana's 25/50/25 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Indiana, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Indiana—the closest NAIC figure to what an Indiana minimum policy costs—averaged $485 in 2023 (about $580 in Indiana today), the 16th lowest of the 50 states and DC. That makes liability 47% of Indiana's full-coverage average ($1,032), while the remaining 53% goes toward collision and comprehensive coverage for your own car.
Indiana requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Uninsured and underinsured motorist coverage are included unless you turn them down in writing. Underinsured coverage is at least $50,000.
What we couldn’t confirm: Indiana's code site needs JavaScript, so we read it in a browser. We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Uninsured and underinsured motorist
- Uninsured and underinsured motorist coverage come with your policy at no less than your injury liability limits, unless you turn them down in writing (together or separately). Underinsured coverage can't be sold below $50,000. Uninsured motorist coverage for property damage is optional; we didn't re-read that law.
- History and recent checks
- Property damage rose from $10,000 to $25,000 on July 1, 2018 (IC 9-25-4-5, as amended by P.L.24-2017). No 2024-2026 change appears in the 2026 Indiana Code.
- Checked
- September 22, 2026
- Sources
- IC 9-25-4-5 (minimum amounts of financial responsibility), 2026 Indiana Code
twenty-five thousand dollars ($25,000) for bodily injury to or the death of one (1) individual. (2) Fifty thousand dollars ($50,000) ... Beginning July 1, 2018, twenty-five thousand dollars ($25,000) for damage to ... property
- Indiana BMV - Proof of Financial Responsibility
All motorists that operate a motor vehicle on Indiana roadways are required to maintain the state's minimum amount of liability insurance coverage ... The state of Indiana has a 25/50/25 minimum
- IC 27-7-5-2 (UM/UIM required coverage; rejection), 2026 Indiana Code
in limits at least equal to the limits of liability specified in the bodily injury liability provisions of an insured's policy, unless such coverages have been rejected in writing by the insured
- Indiana Department of Insurance - Auto Insurance
Each newly written Indiana auto liability policy must include uninsured and underinsured motorist's coverage unless you reject this in writing
- IC 9-25-4-5 (minimum amounts of financial responsibility), 2026 Indiana Code
Adding a 16-year-old driver in Indiana: about $810 more a year
Adding a 16-year-old to a Indiana policy
about $810 more a year
About $70 a month (+66% over a typical Indiana adult policy of $1,220), bringing the combined Indiana family policy to roughly $1,500–$2,700 a year.
On a separate Indiana policy of their own with the same car, a 16-year-old in Indiana would pay about $3,510 a year (roughly $2,650–$5,000), so sharing a parent's Indiana policy saves about $2,700 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Indiana's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Indiana
In Indiana, the 2022 Subaru Forester and Outback come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $720 more a year on an Indiana policy, versus about $1,220 more a year for the 2022 Tesla Model 3 at the top of Indiana's list.
| 2022 model | Added to a Indiana policy | Own Indiana policy |
|---|---|---|
| 2022 Subaru Forester | +$720 in Indiana | $3,130 in Indiana |
| 2022 Subaru Outback | +$720 in Indiana | $3,140 in Indiana |
| 2022 Subaru Crosstrek | +$730 in Indiana | $3,150 in Indiana |
| 2022 Honda CR-V | +$780 in Indiana | $3,370 in Indiana |
| 2022 Toyota RAV4 | +$790 in Indiana | $3,430 in Indiana |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Indiana
In Indiana, a 45-year-old with full coverage pays from about $1,380 a year for a 2024 Acura RDX to about $2,170 for a 2024 Mercedes-Benz C-Class on these Indiana sample models.
| Car | 45-year-old in Indiana | Adding a teen in Indiana |
|---|---|---|
| 2024 BMW X3 | about $1,840 a year | +$1,220 a year |
| 2024 BMW X5 | about $1,940 a year | +$1,280 a year |
| 2024 Mercedes-Benz C-Class | about $2,170 a year | +$1,430 a year |
| 2024 Mercedes-Benz GLC-Class | about $1,780 a year | +$1,180 a year |
| 2024 Audi Q5 | about $1,860 a year | +$1,230 a year |
| 2024 Acura MDX | about $1,460 a year | +$960 a year |
| 2024 Acura RDX | about $1,380 a year | +$910 a year |
| 2024 Acura Integra | about $1,650 a year | +$1,090 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Indiana
- How much is car insurance in Indiana?
- In Indiana, full-coverage car insurance averaged $1,032 a year in 2023 (the 8th least expensive of the 50 states and DC (tied with New Hampshire) per NAIC), or about $1,220 a year ($100 a month) in Indiana as of August 2026. Indiana liability-only coverage averaged $485 in 2023 (47% of Indiana's full-coverage figure, or about $580 today), and Indiana drivers spent $926 per insured car across all policies.
- What are the minimum car insurance limits in Indiana?
- Under IC 9-25-4-5 (minimum amounts of financial responsibility), 2026 Indiana Code, Indiana requires 25/50/25 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 for property damage. Property damage rose from $10,000 to $25,000 on July 1, 2018 (IC 9-25-4-5, as amended by P.L.24-2017). No 2024-2026 change appears in the 2026 Indiana Code.
- How much does adding a 16-year-old teen driver cost in Indiana?
- Adding a 16-year-old to a parent's full-coverage policy in Indiana adds about $810 more a year ($70 a month), bringing the Indiana household policy to roughly $1,500–$2,700 a year versus about $3,510 a year (roughly $2,650–$5,000) on a standalone Indiana teen policy.
- Is Indiana a no-fault car insurance state?
- No—Indiana is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Indiana does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Indiana: Uninsured and underinsured motorist coverage come with your policy at no less than your injury liability limits, unless you turn them down in writing (together or separately). Underinsured coverage can't be sold below $50,000. Uninsured motorist coverage for property damage is optional; we didn't re-read that law.
- How does Indiana's car insurance cost compare with Illinois?
- Indiana averaged $1,032 for full coverage in 2023 (NAIC) against $1,257 in Illinois (18% less than Illinois), and moving a sample policy from Illinois to Indiana today is about $300 less a year. Other bordering states averaged $1,208 in Kentucky, $1,573 in Michigan, and $1,038 in Ohio in 2023.
Sources for Indiana
- Indiana average premiums ($1,032 full coverage, $485 liability-only, $926 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Indiana minimum coverage statutes (IC 9-25-4-5 (minimum amounts of financial responsibility), 2026 Indiana Code; Indiana BMV - Proof of Financial Responsibility; IC 27-7-5-2 (UM/UIM required coverage; rejection), 2026 Indiana Code; Indiana Department of Insurance - Auto Insurance), checked September 22, 2026. Page updated for Indiana. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.