Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
Compare Car Insurance Quotes in Indiana
Jerry is a free app trusted by 16,112 Indiana drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Average Indiana car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in Indiana, Jerry drivers pay less:
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$52 to $96 per month for state-mandated minimum coverage.
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$121 to $226 per month for full coverage.
Spending a few minutes comparing quotes can pay off fast. Over the last 12 months, Jerry has helped Hoosiers save an average of $962 per year on coverage just by comparing their options.
Jerry helps you shop offers and lock in your Indiana car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Of course, what you’ll pay depends on a mix of details like your driving record, the car you drive and your ZIP code. 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
Indiana’s location in the Midwest exposes homeowners to tornadoes, severe thunderstorms, and winter ice storms that can cause significant property damage. Bundling home and auto insurance is one of the easiest ways to offset those risks without overpaying on premiums.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Indiana drivers are paying with Jerry
If you want to make sure you’re not overpaying for car insurance, comparing quotes from multiple carriers is the best place to start. Whether you’re building a policy from scratch, matching your current coverage or hunting for the cheapest car insurance in Indiana, it helps to see your options side by side.
That matters in Indiana, where rates can vary quite a bit between Indianapolis, the smaller metro areas like Fort Wayne and Evansville, and the rural stretches in between. Highway commuting on the interstates, winter weather, and your proximity to more urban areas all influence what you’ll pay. Jerry works with Indiana drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
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.
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Coverage definitions
Factors affecting Indiana car insurance rates in 2026
Winter storms and slick roads
Ice, sleet and lake-effect snow can make Indiana roads treacherous for months at a time. Collision coverage is what pays for your car after a winter crash, and comprehensive handles non-collision losses like hail and fallen branches. Both are often worth keeping, even on older vehicles.
Metro traffic and claim activity
Driving density in Indianapolis, Fort Wayne and Evansville means more accidents and higher theft exposure in some areas. Drive defensively during peak hours and consider a telematics program like Jerry DriveShield, so your safer habits can translate into a lower rate.
Uninsured drivers
Roughly one in seven Indiana drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
Modified comparative fault law
Indiana follows a modified comparative fault rule, meaning you can recover damages only if you’re less than 51% at fault. Collision coverage still matters because it gets your car repaired without waiting on a fault decision that could go either way.
Road construction and work zones
Indiana drivers deal with near-constant construction on major routes, and work zones are a common setting for rear-end collisions and sideswipes. Slow down through lane shifts and consider keeping collision coverage active, because work-zone crashes happen fast.
Rising repair costs
Repair bills keep climbing as vehicles add more sensors and require recalibration after even minor impacts. Choose a deductible you can comfortably pay, so a surprise estimate doesn’t keep you from filing a claim you’re entitled to.
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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City
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Average monthly cost
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|---|---|
| $194 | |
| $159 | |
| $170 | |
| $208 | |
| $156 | |
| $207 | |
| $139 | |
| $135 |
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.
FAQ
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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?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.