- Average Indiana car insurance cost is $2,034 per year for a full coverage policy. Average cost per month is $170.
- Indiana ranks fourth out of 12 Midwestern states for cheapest car insurance and ranks 11th out of all 50 states.
- The vehicle segments with the cheapest insurance in Indiana are compact and midsize SUVs and compact pickups.
- Average rates for popular models vary from $1,504 for a Subaru Crosstrek to $2,236 for the Ford Mustang.
What is average car insurance cost in Indiana?
Average car insurance rates in Indiana cost $2,034 per year, or around $170 per month. When compared to the national average rate, Indiana car insurance cost is 8.8% less per year.
Some of the more popular vehicles and their average insurance rates include the Jeep Grand Cherokee at an average of $2,036 per year, the Ford Explorer at $1,846, the Mazda CX-5 at $1,660, the Chevrolet Equinox at $1,874, and the Ford Escape at $1,856 per year.
Luxury models like the Lexus NX 300, the Volvo S60, and the Lexus GX 460 cost an average of $2,022, $2,386, and $2,172 per year, respectively, for full-coverage car insurance in Indiana.
For larger SUVs and pickups, average rates on the most popular models include the Ford F-150 at an average cost of $2,276 per year, the Chevrolet Silverado 1500 at $2,250 per year, the Ram 1500 at $2,354 per year, the Chevrolet Suburban at $2,018 per year, and the Chevrolet Tahoe at $1,910 per year.
The chart below shows the cost of car insurance in Indiana averaged across all models for the 2024 model year.
Average rates in the chart above range from $1,428 per year for a 60-year-old driver with $1,000 deductibles to $4,760 per year for a 20-year-old driver with $250 deductibles. The overall average rate we use for comparison purposes is a 40-year-old driver with $500 deductibles which has an average cost of $2,034 per year.
As a monthly cost, car insurance quotes in Indiana range from $119 to $397 for the same risk profiles and driver ages shown in the previous chart.
Car insurance cost is dependent on many factors, and the list below shows some situations where rates may deviate from the average cost.
- Having an at-fault accident could trigger a rate increase of up to $846 each year, depending on the company.
- The type of vehicle you are insuring makes a big difference in the cost of insurance. For example, insuring a Toyota Tacoma instead of a Chevy Silverado 2500HD can save $172 or more per year on auto insurance.
- Avoiding serious traffic violations is the best way to get cheap rates, as getting a DUI or other serious conviction can raise rates by $1,888 or more per year.
- Even small traffic violations can result in significant increases in car insurance cost. Just one speeding ticket could increase the annual cost of car insurance in Indiana by $540, depending on the company and the vehicle insured.
- Qualifying for as many discounts as possible is a great way to find cheaper car insurance. Discounts like safe driver, claim-free, multi-vehicle, multi-policy, and customer loyalty could save as much as $630 per year.
How does Indiana car insurance cost compare?
When compared to surrounding states, average Indiana car insurance quotes are 4.3% more expensive than Ohio, 24.4% cheaper than Kentucky, 33.7% cheaper than Michigan, 2.8% more expensive than Wisconsin, and 10.6% cheaper than Illinois.
The chart below shows how average car insurance cost in Indiana compares to other Midwest states. Indiana ranks fourth in the Midwest. Out of all 50 states, Indiana ranks 11th for cheapest auto insurance rates.
When compared to states in other parts of the country, the average cost of car insurance in Indiana is 14.4% cheaper than Texas, 33.1% cheaper than California, 30% cheaper than New York, 13.1% more expensive than Maine, and 11% more expensive than North Carolina.
Here’s an example using dollar figures instead of percentages to illustrate how Indiana car insurance compares to other Midwest states.
We will use a 2024 Chevrolet Silverado as the rated vehicles for this example, which in Indiana costs $2,250 per year to insure on average. When compared to other states in the Midwest region, car insurance in Indiana is:
- $736 per year cheaper than insuring the same vehicle in Missouri ($2,986)
- $216 per year cheaper than in Minnesota ($2,466)
- $152 per year more expensive than in Iowa ($2,098)
- $458 per year cheaper than in Kansas ($2,708)
- $170 per year cheaper than in Nebraska ($2,420)
What are the cheapest cars to insure in Indiana?
When comparing all types of vehicles, the models with the most affordable car insurance quotes in Indiana tend to be small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Hyundai Venue.
Average insurance prices for those crossover SUVs cost $1,652 or less per year for a policy with full coverage.
Additional vehicles that rank in the top 20 in our cost comparison are the Honda HR-V, Buick Encore, Buick Envista, and Honda CR-V.
The average insurance cost is a little bit more for those models than the cheapest compact SUVs and crossovers at the top of the list, but they still have an average insurance cost of $1,770 or less per year ($148 per month) in Indiana.
For luxury cars, lower-cost insurance rates in Indiana can be found on models like the Acura Integra at $1,810 per year, the BMW 330i at $2,072 per year, and the Acura TLX at $2,106 per year.
The next table ranks the top 50 vehicles from the 2024 model year with the cheapest car insurance in Indiana.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,504 | $125 |
| 2 | Chevrolet Trailblazer | $1,528 | $127 |
| 3 | Kia Soul | $1,590 | $133 |
| 4 | Nissan Kicks | $1,604 | $134 |
| 5 | Honda Passport | $1,620 | $135 |
| 6 | Buick Envision | $1,632 | $136 |
| 7 | Toyota Corolla Cross | $1,640 | $137 |
| 8 | Hyundai Venue | $1,652 | $138 |
| 9 | Mazda CX-5 | $1,660 | $138 |
| 10 | Ford Bronco Sport | $1,668 | $139 |
| 11 | Volkswagen Tiguan | $1,684 | $140 |
| 12 | Acura RDX | $1,702 | $142 |
| 13 | Nissan Murano | $1,710 | $143 |
| 14 | Buick Encore | $1,728 | $144 |
| 15 | Honda CR-V | $1,734 | $145 |
| 16 | Subaru Outback | $1,734 | $145 |
| 17 | Buick Envista | $1,740 | $145 |
| 18 | Volkswagen Taos | $1,744 | $145 |
| 19 | Kia Niro | $1,752 | $146 |
| 20 | Toyota GR Corolla | $1,768 | $147 |
| 21 | Honda HR-V | $1,770 | $148 |
| 22 | Subaru Ascent | $1,770 | $148 |
| 23 | Nissan Leaf | $1,782 | $149 |
| 24 | Chevrolet Colorado | $1,792 | $149 |
| 25 | Honda Civic | $1,800 | $150 |
| 26 | Lexus NX 250 | $1,802 | $150 |
| 27 | Volkswagen Atlas | $1,806 | $151 |
| 28 | Acura Integra | $1,810 | $151 |
| 29 | Subaru Forester | $1,812 | $151 |
| 30 | Volkswagen Atlas Cross Sport | $1,814 | $151 |
| 31 | Kia Seltos | $1,818 | $152 |
| 32 | GMC Terrain | $1,822 | $152 |
| 33 | Hyundai Kona | $1,830 | $153 |
| 34 | Nissan Rogue | $1,830 | $153 |
| 35 | Mazda CX-30 | $1,836 | $153 |
| 36 | Cadillac XT4 | $1,838 | $153 |
| 37 | Volkswagen ID4 | $1,844 | $154 |
| 38 | Ford Explorer | $1,846 | $154 |
| 39 | Toyota Highlander | $1,850 | $154 |
| 40 | Ford Escape | $1,856 | $155 |
| 41 | Honda Odyssey | $1,858 | $155 |
| 42 | Toyota Venza | $1,858 | $155 |
| 43 | Nissan Sentra | $1,864 | $155 |
| 44 | Subaru Impreza | $1,870 | $156 |
| 45 | Chevrolet Equinox | $1,874 | $156 |
| 46 | Toyota RAV4 | $1,876 | $156 |
| 47 | Mazda MX-5 Miata | $1,882 | $157 |
| 48 | Mazda MX-30 | $1,890 | $158 |
| 49 | Hyundai Tucson | $1,892 | $158 |
| 50 | Chevrolet Traverse | $1,898 | $158 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Indiana Zip Codes. Updated June 26, 2025
Cheapest car insurance by vehicle segment
The previous table ranking the top 50 cheapest vehicles to insure in Indiana tends to show a lot of compact and mid-size cars and SUVs, which by nature are the most affordable segments for car insurance.
The list below shows the vehicle model with the cheapest average insurance rate in each segment. Some models are shown in the prior top 50 rankings, but most are not.
- Compact car – Toyota GR Corolla insurance at $1,768 per year or $147 per month
- Compact SUV – Subaru Crosstrek insurance at $1,504 per year or $125 per month
- Midsize car – Kia K5 insurance at $1,960 per year or $163 per month
- Midsize SUV – Honda Passport insurance at $1,620 per year or $135 per month
- Full-size car – Chrysler 300 insurance at $1,938 per year or $162 per month
- Full-size SUV – Chevrolet Tahoe insurance at $1,910 per year or $159 per month
- Midsize pickup – Chevrolet Colorado insurance at $1,792 per year or $149 per month
- Full-size pickup – Nissan Titan insurance at $1,902 per year or $159 per month
- Heavy duty pickup – GMC Sierra 2500 HD insurance at $2,068 per year or $172 per month
- Minivan – Honda Odyssey insurance at $1,858 per year or $155 per month
- Sports car insurance – Mazda MX-5 Miata insurance at $1,882 per year or $157 per month
- Compact luxury car insurance – Acura Integra insurance at $1,810 per year or $151 per month
- Compact luxury SUV – Acura RDX insurance at $1,702 per year or $142 per month
- Midsize luxury car – Mercedes-Benz CLA250 insurance at $2,094 per year or $175 per month
- Midsize luxury SUV – Jaguar E-Pace insurance at $1,904 per year or $159 per month
- Full-size luxury car – Audi A5 insurance at $2,418 per year or $202 per month
- Full-size luxury SUV – Infiniti QX80 insurance at $2,280 per year or $190 per month
Average car insurance rates for popular Indiana vehicles
Many of the most popular vehicles sold in Indiana do not have the cheapest insurance rates. For this reason, the next chart takes the average car insurance cost for 25 of the most popular models and sorts them by cost.
Average rates in Indiana cities
Average annual and monthly car insurance rates are listed below for some of the larger cities in the state of Indiana. Click any city to view detailed insurance rate information, including cost comparisons and the cheapest vehicles to insure in each city.
- Indianapolis Car Insurance - $2,136 per year or $178 per month
- Fort Wayne Car Insurance - $1,996 per year or $166 per month
- Evansville Car Insurance - $2,066 per year or $172 per month
- South Bend Car Insurance - $1,980 per year or $165 per month
- Hammond Car Insurance - $2,318 per year or $193 per month
- Bloomington Car Insurance - $2,030 per year or $169 per month
- Gary Car Insurance - $2,432 per year or $203 per month
- Carmel Car Insurance - $1,960 per year or $163 per month