Good news for Indiana drivers: Jerry’s latest data shows that liability coverage in the Hoosier State averages around $231 per month. Over the past year, we’ve helped 6,604 Indiana drivers find lower insurance costs, and those who buy with Jerry save an average of $39 per year without sacrificing essential coverage.
Jerry compares quotes from up to 13 trusted insurers inIndiana, helping you build a policy and secure your best rate in just a few minutes.
Save on Indiana insurance with Jerry.
What Indiana drivers are paying right now
Car insurance prices in Indiana don’t stand still; they shift with weather patterns, changes in claims across the Midwest and even small updates to your own driving profile. Two drivers with identical cars and clean records can still land on very different premiums depending on whether they live in Indianapolis or a rural county.
Jerry tracks live quotes throughout Indiana to give you an up-to-date snapshot of what local drivers are really paying today. Here are a few examples of recent full coverage policies purchased in Indiana through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Give your rates a quick check now and then. In Indiana, winter storms, lake-effect snow and shifting traffic patterns can all nudge your premium up or down come renewal time.
4 easy ways Jerry helps Indiana drivers save on car insurance
If you’re looking to cut your car insurance costs in Indiana, you’re in good company. But chasing the lowest price alone isn’t always the smart move. Real savings come from understanding how insurers calculate your rate, and knowing exactly which levers you can pull.
Jerry makes that simple by comparing real, competitive quotes, surfacing discounts you might not know you qualify for and showing where you can save without trimming important coverage.
Here are our top tips for Indiana drivers.
| How to save | Average Indiana driver savings |
|---|---|
| Compare quotes | 36% to 59% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 16% to 71%* |
| Keep a clean driving record | 27% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Every insurer prices risk differently, which gets really easy to spot when you compare rates in Indiana. Urban areas like Indianapolis see higher collision and theft rates, while rural drivers may face more wildlife-related claims. Add in volatile winter weather and Midwestern storm systems, and pricing varies dramatically between carriers.
Comparing quotes side by side with Jerry is the fastest, most effective way to make sure you’re not overpaying.
Here’s where Indiana drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | Indiana drivers who switched | Average Jerry savings |
|---|---|---|
| Assurance America | 32% | 28% |
| Progressive | 24% | 30% |
| Trexis | 12% | 26% |
| Root | 7% | 28% |
| Safeco | 7% | 41% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Even two Indiana drivers with the same car and identical driving histories can see a dramatic difference in pricing. Jerry shows you how those costs compare and helps you pick coverage that fits your budget, sometimes cutting your rates by nearly half.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Indiana drivers qualify for several discounts, bundling things like renters or homeowners insurance, safe-driver rewards, paperless billing, telematics programs, anti-theft devices and more. But insurers don’t always apply those savings automatically.
Jerry flags the discounts you’re eligible for so savings don’t get missed.
Key takeaway: Discounts often deliver more meaningful savings than raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Raising your deductible often brings your premium down, but only if you choose an amount you could realistically cover after a collision. That matters in Indiana, where winter ice, sudden freeze-thaw cycles and deer collisions can lead to claims and unexpected repairs.
Here’s what Jerry drivers choose for their deductibles:
To find the sweet spot for your own deductible:
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Review your car’s current value (Jerry updates this every month).
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Pick a deductible you could comfortably cover in an emergency repair situation.
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Compare how each deductible level affects your price in real time.
The Jerry difference: Jerry shows real-time savings across multiple deductible levels, making it easy to strike the right balance between cost and coverage.
Jerry Agent Tip 4: Keep a clean driving record
In Indiana, your driving record carries serious weight, and even one minor ticket can raise your premium by an average of 27%. More serious violations, like a DUI or at-fault crash, can impact what you pay for years.
Jerry’s data shows that drivers with clean records save compared to those with a recent violation. Avoiding citations, staying mindful of speed limits and driving cautiously during winter weather go a long way toward keeping your insurance affordable.
Once your record improves, Jerry automatically re-shops your coverage so you capture savings as soon as you’re eligible.
Get personalized car insurance rates now.
How to get better coverage without overpaying
For Indiana drivers, the right mix of coverage can save money long-term while giving you meaningful protection when it counts. Here are the coverage tiers Indiana drivers typically choose:
Minimum
$51 – $93/mo
Meets Indiana’s 25/50/25 liability requirements to keep costs low, but does not cover damage to your own vehicle.
Full
$111 – $205/mo
Adds collision and comprehensive coverage for your car, often required if your vehicle is financed or leased.
Standard
$122 – $227/mo
Includes uninsured/underinsured motorist coverage and medical payments, important in a state with a lot of uninsured drivers.
Preferred
$140 – $264/mo
Higher liability limits, lower deductibles and extras like towing and rental reimbursement provide broader protection.
Key takeaway: Start with your risk comfort level and the value of your car. Jerry shows you real-time prices for each option so you can choose confidently.
The cheapest Indiana insurance is liability-only, but adding a few affordable protections can make a big difference when you actually need them.
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Coverage definitions
Indiana insurance factors at a glance
Insurance prices in Indiana are shaped by the realities of driving here, from winter storms to rural wildlife collisions and busy metro corridors. These local risks play a major role in how insurers set your rate and what it takes to stay protected.
Winter weather
Ice, sleet and lake-effect snow create higher collision risk, making comprehensive and collision coverage valuable even for older cars.
Heavy traffic in metros
Indianapolis, Fort Wayne and Evansville see higher accident frequency and theft rates, which raises premiums.
Uninsured drivers
Roughly 15% of Indiana drivers are uninsured. Matching your UM/UIM limits to your liability coverage is a smart move.
Comparative fault
Modified comparative fault only lets you recover damages if you’re less than 51% at fault. Collision coverage protects your vehicle regardless of who caused the crash.
Indiana Insurance After a Ticket, Accident or SR-22
One mistake shouldn’t define your rates forever. And with Jerry, it doesn’t.
Even if your driving record isn’t spotless, you can still secure a cheap price. Jerry works with top insurers that are more flexible with past violations, and automatically re-shops your coverage as your record improves.
If you got a ticket
A speeding ticket in Indiana can add points to your record that stay for up to two years, and too many points can trigger probation or license suspension. They also lead to higher premiums: A single citation can raise your premium by 15% to 30%.
Taking a state-approved defensive driving course can sometimes reduce points or lower your rate. Jerry automatically shops for better prices once your violation clears.
Here are the average rate increases we’ve seen for Indiana drivers after a citation:
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Speeding under 15: 5%
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Speeding over 15: 30%
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Failure to obey traffic sign: 26%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
An at-fault crash raises premiums for Indiana drivers by an average of 21%, and those higher costs can stick around for three to five years. Jerry helps you get the lowest available rate now and automatically re-shops your coverage when the accident ages off your record.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| At Fault With Injury | $196 |
| Not At Fault | $260 |
| At Fault With No Injury | $292 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI conviction in Indiana means steep penalties and significantly higher premiums, with jumps averaging 7% or more. Rates can remain elevated for three to five years, depending on the insurer. a DUI conviction.
Jerry helps you find companies that offer competitive rates to high-risk drivers and automatically re-shops your policy as your record improves.
Here are the five cheapest insurance companies for Indiana drivers after a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $179 | Yes | |
| $194 | Yes | |
| $222 | Yes | |
| $235 | Yes | |
| $248 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Indiana
Indiana requires an SR-22 filing for certain violations, insurance lapses and license suspensions. Select the SR-22 option in the Jerry app and we’ll show you only insurers that handle the filing. Most carriers charge around $25 per year for the paperwork.
Car Insurance with Bad Credit
Indiana allows insurers to use credit-based insurance scores when setting rates. While credit can influence your premium, maintaining continuous coverage and comparing quotes regularly often have a bigger impact on what you ultimately pay.
Jerry helps you compare prices instantly to find the best rate available, no matter your credit situation.
Average rates in Indiana by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Indiana’s mix of snowy winters, busy highways, rural travel and growing cities means there’s no one-size-fits-all insurance plan. The key is finding cheap coverage that matches how you actually drive, and doesn’t sacrifice protection.
Jerry makes that easy, pairing Indiana drivers with strong, affordable policies tailored to their real-world needs.
Get Indiana coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
