Compare car insurance quotes in Indiana
Jerry uses real data from 12,286 Indiana drivers to help you:
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Compare insurance options in minutes.
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Bundle, buy, and switch in the app or by phone.
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Avoid long forms and phone calls.
Average Indiana car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $383 a month for full coverage. But in Indiana, Jerry drivers pay less:
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$52 to $98 per month for state-mandated minimum coverage, and
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$122 to $232 per month for full coverage.
A little comparison shopping goes a long way. Over the last year, Jerry has helped Hoosiers save an average of $986 on coverage by lining up options and choosing the best fit.
Jerry helps you compare rates and adjust your coverage for Indiana car insurance in under 10 minutes. It’s free and fully online, and we don’t sell your information or call your phone.
Your exact price will still depend on personal factors like your driving record, your vehicle and where in California you live. Here are some full coverage rates that Jerry drivers in Indiana have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in Indiana is by bundling your car and home insurance. On average, Jerry homeowners save between 15% and 25% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Indiana drivers are paying with Jerry
Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in Indiana that you can find.
Jerry helps you compare quotes from up to 15 trusted insurers in the Hoosier State, so you can see what’s out there and what you should be paying. Below are some of the latest quotes Jerry has pulled for Indiana drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Indiana
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Indiana car insurance coverage requirements
In order to legally operate a vehicle in Indiana, drivers must purchase liability insurance. State minimum requirements include:
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$25,000 in bodily injury liability per person injured in an accident.
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$50,000 for two or more people injured in one accident.
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$25,000 for damage to other peoples’ property.
New policies also include uninsured and underinsured motorist coverage, but drivers can reject this in writing. These are the minimum limits:
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$25,000 for uninsured motorist bodily injury coverage to one person, and $50,000 to two or more people in an accident
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$25,000 towards property damage
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$50,000 for underinsured motorist bodily injury coverage.
Keep in mind that this is the legal minimum, but many Jerry drivers actually choose to buy higher liability limits and coverages like comprehensive or collision insurance. Drivers should also note that 14% of Indiana drivers are uninsured or underinsured, so keeping uninsured/underinsured motorist (UIM) protection can be a wise move.
Factors affecting Indiana car insurance rates in 2026
Winter storms and slick roads
Ice, sleet, and occasional lake-effect snow can make roads treacherous and push up crash frequency. Collision coverage is what typically helps after an accident, and comprehensive can help with certain non-collision winter losses, so both can be worth keeping, even on older vehicles.
Metro traffic and higher claim activity
More driving density in Indianapolis, Fort Wayne, and Evansville usually means more accidents, plus higher theft exposure in some areas. Those claim patterns often translate into higher premiums, especially for drivers who commute or park on the street regularly.
Uninsured drivers
Roughly 15% of Indiana drivers are uninsured. UM/UIM coverage helps protect you if the other driver can’t pay, and aligning those limits with your liability limits is a strong baseline.
Modified comparative fault rules
Indiana follows modified comparative fault, so you can recover damages only if you’re less than 51% at fault. Collision coverage still matters because it helps get your car repaired without waiting on a fault decision.
Road construction and work-zone crashes
Indiana drivers deal with frequent construction on major routes, and work zones are a common setting for rear-end collisions and sideswipes. Slowing down in lane shifts helps, and collision coverage is the financial backstop if you’re involved in a crash.
Rising repair costs
Repairs keep getting more expensive as vehicles add sensors and require more calibration work after impacts. Choosing deductibles you can actually pay makes it more likely your coverage will help when a “small” crash turns into a big bill.
Average cost of car insurance in major Indiana cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $195 | |
| $159 | |
| $171 | |
| $207 | |
| $155 | |
| $203 | |
| $136 | |
| $133 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Indiana quotes in as little as 2 minutes.
Learn more about driving in Indiana
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How to get a temporary license plate in Indiana.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
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Learn about uninsured motorist coverage and why it matters.
FAQs
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Is Indiana an at-fault insurance state?
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Do I have to carry proof of insurance in Indiana?
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What happens if I drive without insurance in Indiana?
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Does Indiana require uninsured/underinsured motorist (UM/UIM) coverage?
