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Car insurance in Indiana costs $180 a month on average in 2026 for full coverage, according to InsuranceQuotes data built from rates insurers filed with state regulators as of August 31, 2026. That works out to about $2,156 a year for a 40 year old driver with a clean record. Other datasets put the same state average anywhere from $84 to $177 a month, because they price different drivers and different coverage. This guide lays out what each dataset actually measures, which carriers are cheapest, and what Indiana drivers pay by city.
The spread between sources looks confusing until you see the profiles behind them. InsuranceQuotes prices a 40 year old with a clean record, 100/300/100 liability limits, and $500 collision and comprehensive deductibles. MoneyGeek prices the same 40 year old but with $1,000 deductibles, which runs cheaper. Insurify prices real time quotes across a mix of driver ages. Experian prices policies actually sold through its marketplace in October 2026. A $500 deductible costs more than a $1,000 deductible, and a quote mix with younger drivers costs more than a 40 year old benchmark. The numbers disagree because the drivers disagree.
How much is car insurance in Indiana in 2026?
For a 40 year old driver with a clean record, full coverage car insurance in Indiana averages about $180 a month, or $2,156 a year, per InsuranceQuotes and Quadrant Information Services. Liability only coverage at the state minimum of 25/50/10 averages about $28 a month with Progressive, the cheapest of the major insurers in that data, and about $37 a month with Auto-Owners. The gap between liability only and full coverage is roughly $150 a month for the cheapest carrier, which is the price of collision and comprehensive cover on the same car.
| Source and method | Full coverage average | Liability only average |
|---|---|---|
| InsuranceQuotes / Quadrant, filed rates as of Aug. 31, 2026 | $180 a month ($2,156 a year) | $28 a month (Progressive, 25/50/10) |
| Insure.com / Quadrant, 2026 | $158 a month ($1,894 a year) | $42 a month ($506 a year) |
| Experian, Oct. 2026 marketplace data | $177 a month ($2,129 a year) | Not published |
| Insurify, Nov. 1, 2026 | $128 a month ($1,540 a year) | $64 a month |
| Compare.com, Nov. 9, 2026 | $135 a month | $41 a month (Auto-Owners) |
| MoneyGeek, 2026 | $84 a month ($1,009 a year) | $40 a month ($480 a year) |
| Wall Street Journal / Quadrant, 2026 | $152 a month | Not published |
MoneyGeek’s $84 a month looks like an outlier next to the others, and the reason is the deductible. MoneyGeek prices full coverage with a $1,000 deductible, while InsuranceQuotes uses $500 deductibles, and the $500 difference in out of pocket cost moves the premium by roughly $90 a month on this profile. The Wall Street Journal prices a 35 year old good driver with 50/100/50 limits, a lower liability limit than the 100/300/100 benchmark, which explains its $152 figure. Indiana is the 15th cheapest state in the country for car insurance on the Journal’s ranking, with an average annual rate about $400 cheaper than the national average.
What is the cheapest car insurance in Indiana?
Progressive has the cheapest full coverage average among the four major insurers InsuranceQuotes compared, at about $105 a month ($1,260 a year). Auto-Owners averages $161 a month, Indiana Farm Bureau $220, and Allstate $233, the most expensive in that data. GEICO averages $101 a month on the same profile, Travelers $119, and USAA $87, though USAA sells only to the military community. The published statewide studies are split on the winner: two of the five InsuranceQuotes reviewed put GEICO first, two put Travelers first, and one puts Progressive first, apart from USAA.
| Company | Full coverage per month | Liability only per month | Source |
|---|---|---|---|
| USAA (military only) | $87 | Not published | InsuranceQuotes / Quadrant |
| GEICO | $101 | $32 | InsuranceQuotes / Quadrant |
| Progressive | $105 | $28 | InsuranceQuotes / Quadrant |
| Travelers | $119 | Not published | InsuranceQuotes / Quadrant |
| Auto-Owners | $161 | $37 | InsuranceQuotes / Quadrant |
| Indiana Farm Bureau | $220 | Not published | InsuranceQuotes / Quadrant |
| Allstate | $233 | $83 | InsuranceQuotes / Quadrant |
| GEICO | $99 | Not published | Insure.com / Quadrant |
| Travelers | $96 | Not published | Wall Street Journal / Quadrant |
| Auto-Owners | $63 | $33 | Insurify, Nov. 2026 |
| Lemonade | $107 | Not published | Experian, Oct. 2026 |
Insurify names Auto-Owners as the cheapest carrier in Indiana, at $33 a month for liability and $63 a month for full coverage, while Compare.com also names Auto-Owners cheapest at $41 a month for state minimum coverage and $75 a month for full coverage. The datasets disagree on whether Auto-Owners or Progressive or GEICO wins, and the reason is the driver mix: Insurify’s real time quotes skew younger and include more high risk profiles, where Auto-Owners prices well, while the filed rate data skews toward the 40 year old benchmark, where Progressive prices well. The practical answer is to quote Progressive, GEICO, Travelers, and Auto-Owners together, because the winner changes with the driver.
What does car insurance cost by city in Indiana?
Gary is the most expensive city in MoneyGeek’s Indiana comparison, at $114 a month for full coverage, while Lafayette is the cheapest at $76 a month. Indianapolis averages $98 a month and Bloomington $82. The gap between Gary and Lafayette is $38 a month, or $456 a year, for the same driver and the same coverage.
| City | Full coverage per month | Minimum coverage per month |
|---|---|---|
| Gary | $114 | $54 |
| Indianapolis | $98 | $47 |
| Bloomington | $82 | $40 |
| Lafayette | $76 | Not published |
Gary sits in the Chicago metro area in northwest Indiana, with higher traffic density, more theft, and more claims than the college towns and smaller cities downstate. Indianapolis is the state’s largest city and lands in the middle of the table, while Lafayette and Bloomington, both university towns with younger populations but lower traffic density, price lower. Your ZIP code matters more than your city, though: rates are priced by ZIP, and two neighborhoods in the same city can differ by $20 a month or more.
What coverage does Indiana require?
Indiana requires liability coverage of 25/50/10: $25,000 for bodily injury to one person, $50,000 for bodily injury per accident, and $10,000 for property damage. That is the state minimum, and it is low. A single serious accident can produce medical bills far above $25,000, and the driver is personally responsible for everything above the limit. Most financial advisers recommend at least 100/300/100, which is the benchmark the datasets above use, and an umbrella policy if you own a home.
Indiana also requires uninsured motorist coverage, and the state lets you reject it in writing. About 15 percent of Indiana drivers are uninsured, according to MoneyGeek, above the national average of 13 percent, so the uninsured motorist cover is worth keeping. Collision and comprehensive are not required by the state, but a lender will require them if the car is financed or leased. Full coverage in these tables means liability plus collision and comprehensive, which is the cover most Indiana drivers actually buy.
What moves your Indiana rate most?
Credit score has the biggest impact of any single factor in MoneyGeek’s Indiana analysis. A driver with good credit averages $82 a month for full coverage, while a driver with bad credit averages $230 a month for the same coverage, a $148 a month difference, or $1,776 a year. Indiana permits credit based insurance scoring, and the swing here is larger than the swing from the cheapest carrier to the most expensive one. Drivers whose credit has improved since their last renewal should ask for a re-rate. Our guide to the best insurance companies that do not use credit scores lists carriers that ignore credit entirely.
Company choice is the second biggest lever. MoneyGeek puts the gap between GEICO at $64 a month and Auto-Owners at $82 a month at $18 a month, or $216 a year, on its profile, and calls the state’s carriers tightly clustered. InsuranceQuotes puts the gap wider, at $128 a month between Progressive at $105 and Allstate at $233. Either way, the carrier matters more than any discount. A clean driving record, a higher deductible, and bundling home and auto with the same carrier all help, but none of them closes a $100 a month carrier gap.
Age and vehicle matter too. Young drivers pay the most, and the car itself moves the premium: a new SUV costs more to insure than a five year old sedan, because collision and comprehensive cover is priced on the cost to repair or replace the car. Usage based insurance, where the carrier prices on miles driven and driving behavior, can cut the rate for low mileage drivers by 10 to 30 percent, and it is worth pricing for anyone who drives under 7,500 miles a year.
A worked example: Gary versus Lafayette on the same driver
Take a 40 year old driver with a clean record and good credit, buying full coverage with $1,000 deductibles. In Gary, MoneyGeek puts the average at $114 a month, or $1,368 a year. In Lafayette, the same driver averages $76 a month, or $912 a year. The difference is $38 a month, $456 a year, for the same driver and the same coverage, and it comes from location alone.
Now add the carrier choice in Gary. GEICO averages $64 a month on MoneyGeek’s profile, against Auto-Owners at $82. Switching from Auto-Owners to GEICO in Gary saves $18 a month, $216 a year. In Lafayette, the same switch saves the same dollars, but the starting point is lower, so the percentage saving looks bigger. The lesson is the same as with homeowners insurance: location sets the range, and the carrier picks the point inside it. Shopping four quotes matters most where the location penalty is already high, which in Indiana means Gary and the Chicago metro.
How to pay less for car insurance in Indiana
Quote Progressive, GEICO, Travelers, and Auto-Owners together, with the same limits and the same deductibles, so the numbers are comparable. The datasets split on which of the four wins, and the winner changes with the driver, so a single quote tells you nothing. Include at least one regional carrier: Auto-Owners and Indiana Farm Bureau price well for many Indiana drivers and do not always appear in the big comparison sites.
Raise the collision and comprehensive deductibles from $500 to $1,000 if you can cover the extra $500 after an accident. On the InsuranceQuotes profile, that move alone explains most of the difference between its $180 a month average and MoneyGeek’s $84, though the two datasets also differ in other ways. The saving is real, but it is not $96 a month on the same profile; expect 15 to 25 percent off the collision and comprehensive portion of the premium.
Bundle home and auto with the same carrier, ask about usage based pricing if you drive little, and check whether a defensive driving course or a good student discount applies. Keep uninsured motorist coverage, given the state’s 15 percent uninsured rate. If you own a home in the state too, our guide to how much homeowners insurance costs in Indiana shows the same location and carrier patterns on the home side. Drivers shopping nationally can compare against our cheapest car insurance companies in 2026 ranking and our Illinois car insurance guide, where Chicago rates run far above anything in Indiana.
Frequently asked questions
How much is car insurance in Indiana in 2026?
About $180 a month, or $2,156 a year, for full coverage for a 40 year old driver with a clean record, per InsuranceQuotes and Quadrant Information Services. Insure.com puts the average at $158 a month and Experian at $177 a month. Liability only at the state minimum averages about $28 a month with Progressive.
What is the cheapest car insurance in Indiana?
Progressive, at about $105 a month for full coverage among the major insurers InsuranceQuotes compared. GEICO averages $101 a month and Travelers $119 on the same profile. Insurify names Auto-Owners cheapest at $63 a month for full coverage on its quote mix. The winner changes with the driver, so quote all four.
What is the cheapest city for car insurance in Indiana?
Lafayette, at $76 a month for full coverage, per MoneyGeek. Bloomington is next at $82 a month. Gary is the most expensive city in the data at $114 a month, and Indianapolis averages $98 a month.
What is the minimum car insurance in Indiana?
Indiana requires liability coverage of 25/50/10: $25,000 for bodily injury to one person, $50,000 per accident, and $10,000 for property damage. Uninsured motorist coverage is also required unless you reject it in writing. Most drivers buy more than the minimum, because $25,000 does not cover a serious accident.
How much does credit affect car insurance in Indiana?
A lot. MoneyGeek puts full coverage at $82 a month with good credit and $230 a month with bad credit for the same driver and the same coverage, a difference of $148 a month or $1,776 a year. Indiana permits credit based insurance scoring.
Does Indiana require full coverage car insurance?
No. The state requires liability coverage only. Full coverage, which adds collision and comprehensive, is required by a lender if the car is financed or leased. Drivers who own their car outright can choose liability only, but they pay for their own car repairs after an accident.
InsuranceQuotes publishes the Indiana car insurance figures used above in its average cost of car insurance in Indiana page, with rates insurers filed with state regulators as of August 31, 2026, compiled by Quadrant Information Services. Experian publishes its Indiana average and cheapest carrier table in its average cost of car insurance in Indiana guide, based on October 2026 marketplace data.
