Auto Insurance in Indiana — Average Cost 2026
Average auto insurance in Indiana: $1,395/year ($116/month). Indiana ranks #10 out of 51 states — below the national average.
Average annual
$1,395
Average monthly
$116
National rank
#10
of 51 states
vs national avg
-21.6%
Indiana vs national average
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Auto insurance in Indiana
Indiana sits 22% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Indiana tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Indiana drivers hundreds of dollars annually.