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 $382 a month for full coverage. But in Indiana, Jerry drivers pay less:

• $52 to $99 per month for state-mandated minimum coverage.

• $122 to $230 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 $1,014 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

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 up to 40% 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.

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

Indiana car insurance coverage requirements

In order to legally operate a vehicle in Indiana, drivers must purchase liability insurance. State minimum requirements include:

• $25,000 in bodily injury liability per person injured in an accident.

• $50,000 for two or more people injured in one accident.

• $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:

• $25,000 for uninsured motorist bodily injury coverage to one person, and $50,000 to two or more people in an accident

• $25,000 towards property damage

• $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.

• Coverage definitions

  Coverage	Definition
  Collision insurance	An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage.
  Comprehensive insurance	An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.
  Bodily injury liability (BI)	Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states.
  Property damage liability (PD)	Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states.
  Personal injury protection (PIP)	Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.
  Medical payments	Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states.
  Uninsured/underinsured motorist coverage (UM/UIM)	Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states.

Factors affecting Indiana car insurance rates in 2026

Average cost of car insurance in major Indiana cities

Learn more about driving in Indiana

• How to get a temporary license plate in Indiana.

• Learn how at-fault states affect your car insurance.

• Understand the 6 main types of car insurance coverage.

• Find out how much car insurance you need.

• Learn about uninsured motorist coverage and why it matters.