Indiana Car Insurance Cost for 2022

How much does car insurance cost in Indiana? We find the cheapest cars to insure in Indiana plus break down the average cost of insurance for popular vehicles.

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What is average car insurance cost in Indiana?

Average car insurance rates in Indiana cost $1,138 per year, or around $95 per month. When compared to the national average rate, Indiana car insurance cost is 26.6% cheaper per year.

Some of the more popular vehicles and their average insurance rates include the Jeep Grand Cherokee at an average of $1,256 per year, the Ford Explorer at $1,070, the Mazda CX-5 at $864, the Chevrolet Equinox at $1,062, and the Ford Escape at $1,118 per year.

Luxury models like the Lexus NX 300, the Volvo S60, and the Lexus GX 460 cost an average of $1,144, $1,188, and $1,286 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 $1,076 per year, the Chevrolet Silverado 1500 at $1,194 per year, the Ram 1500 at $1,272 per year, the Chevrolet Suburban at $1,150 per year, and the Chevrolet Tahoe at $1,114 per year.

The chart below shows the cost of car insurance in Indiana averaged across all models for the 2022 model year.

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Chart Data Details: Chart shows average Indiana car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Indiana zip codes.Data last updated on May 19, 2022
Average Car Insurance Cost in Indiana
Average Car Insurance Cost in Indiana
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,878$157
$500$2,206$184
$250$2,552$213
30$1,000$984$82
$500$1,168$97
$250$1,360$113
40$1,000$942$79
$500$1,112$93
$250$1,286$107
50$1,000$860$72
$500$1,012$84
$250$1,170$98
60$1,000$844$70
$500$994$83
$250$1,150$96

Average rates in the chart above range from $862 per year for a 60-year-old driver with $1,000 deductibles to $2,616 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 $1,138 per year.

As a monthly cost, car insurance quotes in Indiana range from $72 to $218 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 $464 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 $300 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 $1,042 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 $296, 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 $356 per year.

How does Indiana car insurance cost compare?

When compared to surrounding states, average Indiana car insurance quotes are 28.2% more expensive than Ohio, 35.8% cheaper than Kentucky, 53.1% cheaper than Michigan, 9.8% cheaper than Wisconsin, and 7.6% 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, with only Iowa, Ohio, and Wisconsin having cheaper rates. Out of all 50 states, Indiana ranks tenth for cheapest auto insurance rates.

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Indiana Car Insurance Cost Compared to Midwest Region
Average Car Insurance Cost in Indiana Compared to Midwest Region
Midwest Region States Average Insurance Cost Annual Difference
Ohio$866-$246
Wisconsin$1,010-$102
Iowa$1,076-$36
Indiana$1,112--
Illinois$1,200$88
North Dakota$1,236$124
Minnesota$1,306$194
South Dakota$1,346$234
Nebraska$1,422$310
Kansas$1,498$386
Missouri$1,578$466
Michigan$2,368$1,256

When compared to states in other parts of the country, the average cost of car insurance in Indiana is 20.8% cheaper than Texas, 34.8% cheaper than California, 29.8% cheaper than New York, 8% more expensive than Maine, and 17.8% 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 2022 Chevrolet Silverado as the rated vehicles for this example, which in Indiana costs $1,194 per year to insure on average. When compared to other states in the Midwest region, car insurance in Indiana is:

  • $514 per year cheaper than insuring the same vehicle in Missouri ($1,698)
  • $216 per year cheaper than in Minnesota ($1,408)
  • $42 per year more expensive than in Iowa ($1,158)
  • $422 per year cheaper than in Kansas ($1,608)
  • $340 per year cheaper than in Nebraska ($1,530)

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 Mazda CX-5, Nissan Kicks, and Nissan Rogue Sport.

Average insurance prices for those crossover SUVs cost $950 or less per year for a policy with full coverage.

Additional vehicles that rank in the top 20 in our cost comparison are the Mazda MX-5 Miata, Acura RDX, Hyundai Kona, and Toyota Corolla Cross.

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 $986 or less per year ($82 per month) in Indiana.

For luxury cars, lower-cost insurance rates in Indiana can be found on models like the Mercedes-Benz A220 at $1,090 per year, the Acura ILX at $1,020 per year, and the Volvo S90 at $1,434 per year.

The next table ranks the top 50 vehicles from the 2022 model year with the cheapest car insurance in Indiana.

Top 50 Cheapest Car Insurance Rates in Indiana
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$842$70
2Nissan Kicks$868$72
3Chevrolet Trailblazer$874$73
4Honda Passport$890$74
5Subaru Crosstrek$892$74
6Chevrolet Colorado$916$76
7Buick Encore$920$77
8Toyota C-HR$920$77
9Nissan Rogue Sport$928$77
10Buick Envision$944$79
11Hyundai Venue$944$79
12Kia Seltos$946$79
13Acura RDX$950$79
14Ford Maverick$950$79
15Subaru Ascent$950$79
16Toyota Corolla Cross$954$80
17Subaru Forester$958$80
18Hyundai Kona$962$80
19Mazda MX-5 Miata$962$80
20Subaru Impreza$962$80
21Volkswagen Tiguan$964$80
22Chevrolet Spark$974$81
23Honda CR-V$974$81
24Cadillac XT4$976$81
25Mazda CX-30$984$82
26Ford Ranger$988$82
27Ford Edge$998$83
28Honda HR-V$1,002$84
29Ford Ecosport$1,008$84
30Subaru Outback$1,018$85
31Acura ILX$1,020$85
32Chevrolet Trax$1,022$85
33GMC Terrain$1,022$85
34Mitsubishi Eclipse Cross$1,026$86
35Nissan Murano$1,030$86
36Toyota Tacoma$1,030$86
37Hyundai Tucson$1,034$86
38Honda Odyssey$1,036$86
39Chevrolet Bolt$1,038$87
40Chevrolet Equinox$1,038$87
41Toyota Venza$1,038$87
42Ford Explorer$1,042$87
43Volkswagen Taos$1,044$87
44Fiat 500X$1,046$87
45Toyota RAV4$1,048$87
46Kia Sorento$1,052$88
47Kia Soul$1,056$88
48Nissan Frontier$1,056$88
49Hyundai Palisade$1,064$89
50GMC Canyon$1,068$89

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Indiana.Data last updated on March 24, 2022
    Top 50 Cheapest Car Insurance Rates in Indiana

    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.

    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. Only the first 8 models in the chart below made the prior list of the 50 cheapest autos to insure in Indiana.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Indiana car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Indiana Zip Codes.Data last updated on March 24, 2022
    Indiana Car Insurance Rates for Popular Vehicles
    Indiana Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Mazda CX-5$842$70
    Subaru Crosstrek$892$74
    Honda CR-V$974$81
    Toyota Tacoma$1,030$86
    Toyota RAV4$1,048$87
    Ford F150$1,076$90
    Nissan Sentra$1,086$91
    Nissan Rogue$1,088$91
    Ford Escape$1,092$91
    Toyota Camry$1,094$91
    Toyota Corolla$1,100$92
    GMC Sierra$1,130$94
    Kia Forte$1,138$95
    Chevrolet Traverse$1,142$95
    Hyundai Santa Fe$1,158$97
    Honda Accord$1,158$97
    Ford Mustang$1,168$97
    Chevrolet Silverado$1,194$100
    Ram Truck$1,272$106
    Jeep Wrangler$1,278$107

    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.