Ranked #42 of 51 by Cost
2026 Indiana Car Insurance Calculator
Estimate your monthly premium based on The Hoosier State averages
Rate Calculator
Local insurance tip
Indiana allows insurers to use credit scores heavily in pricing. Improving or protecting your credit, paying bills on time, reducing card balances, can lower your auto insurance premium by 20–40% over time without any change to your driving record.
Cost Breakdown
| Coverage | Monthly | Description |
|---|---|---|
| IN minimum | $77 | Legal bare minimum (liability only) |
| Standard liability | $122 | High Liability, no physical damage |
| Full coverage | $163 | Comprehensive ($500 ded.) |
| Premium protection | $222 | Max liability ($250 ded.) |
| Age | Risk | Monthly |
|---|---|---|
| 16-19 | Very high | $481 |
| 20-24 | High | $269 |
| 25-54 | Standard | $163 |
| 55-69 | Low | $155 |
| 70+ | Moderate | $204 |
| Violation | Risk | Monthly |
|---|---|---|
| Clean | Standard | $163 |
| Speeding Ticket | Moderate | $199 |
| At-Fault Accident | High | $241 |
| DUI / DWI | Very high | $465 |
Indiana Snapshot · July 2026
$163/mo
State avg (-33% US AVG)
#42
National Rank
49%
County Spread
Rate by Neighboring States (5)
State Insight
Indiana is the most affordable of its neighbors by a clear margin outside Ohio. Michigan is the most expensive neighbor by a dramatic margin, its Detroit-area legacy costs keeping it nearly double Indiana's average. Kentucky and Illinois are both meaningfully above Indiana, while Ohio is the only neighbor that comes close to Indiana's affordability.
Rate by Cities (Top 30)
Compared to IN avg ($163)
City Insight
Gary and Hammond stand out dramatically, both sit well above every other Indiana city. Their proximity to Chicago's more expensive market and higher uninsured driver exposure pushing rates nearly double what the rest of the state pays. Indianapolis sits near the state average despite being the largest city, reflecting Indiana's generally contained litigation environment even in its urban core.
Rate by Counties (92)
Compared to IN avg ($163)
County Insight
Lake County drives the state's high-rate tier almost entirely on its own, anchored by Gary and Hammond's Chicago border exposure. Marion County follows but at a much lower level. The rest of Indiana is remarkably uniform, most counties cluster tightly around or below the state average, one of the narrower county spreads in the Midwest.
What Every Indiana Driver Needs To Know
What are the minimum car insurance requirements in Indiana for 2026?
Indiana requires 25/50/25 minimums: $25,000 bodily injury per person, $50,000 per accident and $25,000 for property damage. Indiana is an at-fault state, so the driver responsible for an accident is liable for these costs.
Does Indiana require Uninsured Motorist coverage?
Indiana does not mandate UM/UIM coverage, but insurers must offer it and you must sign a waiver to decline it. Given that Indiana consistently ranks in the top 15 states for uninsured drivers, carrying at least $25,000/$50,000 in UM coverage is strongly advisable to avoid absorbing medical costs after a hit-and-run.
Can my insurer use my credit score to price my policy in Indiana?
Yes, Indiana permits credit-based insurance scoring and most major insurers use it. A low credit score can increase your annual premium by hundreds of dollars compared to an identical driver with good credit. If your credit has improved significantly, you can ask your insurer to re-run your score at renewal.
What is the penalty for a lapse in coverage in Indiana?
Indiana BMV monitors insurance continuously through its electronic verification system. If a lapse is reported, you may face a license plate and registration suspension. Reinstatement requires proof of current coverage and a reinstatement fee. Repeated lapses can require SR-22 filing, which typically raises premiums significantly.
Sources: Indiana BMV