Average Car Insurance Cost in Indiana (2024)

Car insurance policies in Indiana typically cost less than the overall national average of $158. The state has much lower car theft rates than other states, which may explain the cheap premiums in Indiana. For example, Indiana had 12,585 stolen cars in 2021, Colorado had 40,853, and Texas had 87,053.^[1]

Your specific premium amount depends on a variety of factors, including your driving record, age, and location within the state. To find the best deal for you, compare quotes from multiple insurance companies.

Here’s what you need to know about car insurance in Indiana, including the average cost and what other factors influence car insurance premiums.

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What’s the average cost of car insurance in Indiana?

The cost of car insurance in Indiana varies depending on the type of policy you select.^[3] Opting for full coverage will result in higher premiums than the cost of a liability policy. On average, a full-coverage car insurance policy in Indiana costs around $148 per month, while a liability-only policy comes at a more affordable average monthly cost of $71.

Your choice of auto insurer also plays a significant role in determining your insurance expenses. Review the table below to compare average rates for both policy types from a selection of top car insurance companies operating in Indiana.

Average Indiana car insurance rates by city

Within Indiana, car insurance rates vary by the city and ZIP code you live in. These discrepancies in cost arise due to varying risk factors associated with each location, such as differences in auto theft rates, traffic conditions that contribute to accidents and subsequent insurance claims, population density, and more.

In Indiana, Muncie residents pay much lower average rates than drivers in Indianapolis, the state’s most-populated city. Delve deeper into the city-level car insurance quote variations below:

Average Indiana car insurance rates by age

Your age plays a pivotal role in determining your car insurance rates. Teen drivers and others younger than 25 often face the highest car insurance premiums due to limited driving experience and increased risks of having a car accident.^[4]

As young drivers gain experience and enter their mid-30s, rates tend to decrease with age. However, in later years, rates may rise again for older drivers due to age-related car accident risks.

Explore the chart below for a breakdown of average monthly premiums by age in Indiana.

How gender affects car insurance rates in Indiana

Your gender can influence your car insurance rates because insurance companies use statistical risk assessments. Historically, young male drivers have higher rates of serious accidents and incidents like DUIs (driving under the influence), resulting in elevated premiums.^[5] However, rates typically decline with age and experience for men and women.

On average, men in Indiana pay $115 per month for car insurance and women pay $106. Here are the average monthly quotes for Indiana car insurance based on gender and age.

How your driving record affects car insurance rates in Indiana

Your driving record has a substantial effect on your auto insurance rates in Indiana because insurance companies use it to assess your risk as a driver. A clean driving record free from accidents or traffic violations reflects responsible driving and typically leads to the lowest rates.

Conversely, a history of accidents, speeding tickets, or other infractions like DUIs can indicate an increased risk of future claims and result in higher insurance costs. On average, Indiana drivers with an incident on their record pay $141 per month. The best way to protect yourself and your wallet is to avoid traffic violations, accidents, and other incidents that lead to claims.

Here are the average premiums for Indiana drivers based on the presence of incidents on their driving records.

Average Indiana car insurance rates by marital status

Though you may not realize it, your marital status can affect how much you pay for auto insurance in Indiana. Married drivers generally pay slightly lower premiums than their single peers. Insurance companies perceive married policyholders as more stable and statistically less prone to risky driving behaviors that result in claims.^[6]

Below, you can find average car insurance quotes in Indiana based on marital status.

Average Indiana car insurance rates by credit tier

Your credit history can have a substantial effect on your auto insurance rates. Insurance companies often incorporate insurance-based credit scores into premium calculations due to an observed connection between poor credit and filing more insurance claims.

An excellent or good credit score often results in lower premiums, but a poor score can lead to higher costs because it can indicate you’re more likely to file a claim. Work on improving your credit score for lower rates.

Some states prohibit or restrict the use of credit history in insurance pricing; however, Indiana state laws allow its use.^[7] The following table depicts how car insurance costs in Indiana vary by credit tier.

Indiana car insurance FAQs