Car Insurance in Indiana

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Looking for Cheap Car Insurance in Indiana?

Indiana has among the lowest population densities in the United States, and many of the state's counties are so rural that it might not even be possible to find gas stations, much fewer mechanics, and body shops if you needed repairs.

The good news for Indiana drivers is that this low population density translates into cheap car insurance rates, as there simply aren't as many drivers or vehicles on the road. However, you can save even more on car insurance premiums by shopping with Carlay.

Home to several top-rated universities in Bloomington and North Bend, Indiana is crossed by many cross-country interstates, traversed by tornadoes, and subject to harsh winters. The factors listed above contribute largely to car insurance pricing.

Yet there are still ways to save even more money on car insurance when you shop with Carlay Insurance Agency, Inc. Carlay is a car super app that will help you find the right car insurance policy at the best price. To start saving on your car insurance, sign up in less than a minute and receive quotes from over 50 top car insurance providers in seconds. The average Carlay user saves $879 per year on car insurance.

Don't take our word for it? Here are some of the actual savings customers have seen by switching to Carlay.

How Much Does Car Insurance Cost in Indiana?

Car insurance costs $1,541 per year on average for liability-only coverage in Indiana. Buying full coverage in Indiana will cost you an average of $1,916 per year.

Nationwide, the average cost for liability-only car insurance is $1,783 per year, and the average cost for full coverage car insurance is $2,485 per year.

What contributes to the insurance rates in Indiana?

These are the different factors that go into determining how much car insurance costs in Indiana:

  • Interstates

Highways and roads make up nearly 98,000 miles of travel lanes in Indiana. While that may seem like a lot, it only works out to be about 1.4 miles per square mile of state land. Interstates are one of the reasons insurance rates vary within Indiana—the more highways there are, the greater number of accidents that will occur within a certain area over time.

  • Auto thefts

One of Indiana's top ten claims is for auto theft, a crime that happens at an above-average rate compared to other states. If you live in a city like Indianapolis or Fort Wayne, where your car has a relatively high chance of being stolen, you may want to spend more on car insurance.

  • Harsh weather

Weather is an essential factor when it comes to car insurance premiums. The effects of harsh weather can really add up over time, especially if you live in a storm-prone area. Since it's often difficult to repair vehicles during harsh winter conditions, many drivers end up filing insurance claims.

Let's take a look at how Indiana premiums compare with the rest of the nation:

All Coverage Before Carlay All Coverage After Carlay Minimum Coverage Before Carlay Minimum Coverage After Carlay Full Coverage Before Carlay Full Coverage After Carlay
IN $1,773 $1,164 $951 $843 $2,830 $1,780
National Average $2,489 $1,671 $2,360 $1,390 $2,761 $1,963
IN National Average
All Coverage Before Carlay $1,773 $2,489
All Coverage After Carlay $1,164 $1,671
Minimum Coverage Before Carlay $951 $2,360
Minimum Coverage After Carlay $843 $1,390
Full Coverage Before Carlay $2,830 $2,761
Full Coverage After Carlay $1,780 $1,963

Top auto insurance providers in Indiana

Residents of Indiana should consider car insurance providers Geico, State Farm, and Progressive because of their general affordability and quality customer service.

There are several factors that Indiana car insurance providers use to determine your rate for auto insurance. Some of them are pretty straightforward: For example, your age, location, and driving record will definitely affect your rates. Before you start shopping around for the best rates, make sure you know whether or not your assets are protected by liability coverage.

Car insurance rates differ greatly from company to company—even when you have nearly identical coverage. Each Indiana car insurance company has its own formula for determining rates.

The kind of car you drive affects your insurance rates. The Hyundai Elantra is popular in Indiana, and its affordability and quality make it affordable to insure. But a Chevy Corvette, which has a higher MSRP, would have higher premiums because of its higher cost of repairs.

Customer demographics do not matter — all drivers in Indiana who want low rates on car insurance can get them at Carlay. Here are examples of some affordable rates available to Carlay customers:

Insurance Company Average Cost Annual Savings with Carlay
Travelers $2,868 $1,293 Compare Prices
Safeco $3,158 $1,215 Compare Prices
Dairyland $3,283 $1,212 Compare Prices
Allstate $2,888 $906 Compare Prices
Kemper $2,715 $830 Compare Prices
Nationwide $2,366 $689 Compare Prices
State Auto $1,356 $214 Compare Prices

What Car Insurance Do You Need in Indiana?

Indiana law requires drivers to prove that they have a certain amount of liability insurance before they get behind the wheel. Relevant coverage includes:

Coverage Amount Description
Bodily injury liability $25,000 per person / $50,000 per accident Covers medical expenses for injuries you cause to others.
Property damage liability $25,000 per accident Coverage can pay for the cost of damage done by your car to other vehicles and property.
Uninsured motorist coverage $50,000 bodily injury Covers the costs of your accident with an uninsured driver.

If you drive without insurance, you could face penalties such as:

  • $250 reinstatement fee
  • 90-day driver's license suspension
  • Maintenance of SR-22 for three years

In Indiana, if you are involved in an accident, liability insurance can protect other drivers from any losses they might suffer as a result of the accident. Liability coverage does not protect you or your car. Make sure to carry more than the minimum liability coverage so that you're fully protected. Consider the following coverage options:

Coverage Description
Collision insurance Proper coverage for your car in the event it is hit by another vehicle or a fixed object.
Comprehensive insurance Coverage for the damages is provided when they are not caused by a collision, such as a natural disaster, theft, or vandalism.
Roadside assistance Covers you in the event of a breakdown.

Carlay's one-stop-shop helps you find affordable coverage whenever you want it, and we'll save you time by keeping track of your policy details. You'll be able to compare rates from dozens of companies with one quick sign-up from Carlay.

Carlay will help you through the entire process and make sure everything goes smoothly. You'll get new quotes when you renew your policy, so you're always getting the best rate.

Now that you know what insurance to get, here's more about insurance in Indiana.

How is Your Cost of Car Insurance Determined in Indiana?

The rates a driver will pay for car insurance are determined by a variety of factors, including \\their age, gender, driving record, and whether they live in an urban or rural area.

What young drivers in Indiana need to know

High-risk drivers, such as young drivers under 25, are eligible for a discount on their car insurance. If these drivers complete a defensive driving course, they can earn a discount on their premiums. Young drivers who maintain a B average or higher are also eligible for a good student discount.

To cut down on car insurance costs, young drivers should shop around for quotes and try to keep a clean driving record.

Carlay helps young drivers save money by comparing quotes from top providers. The following rates are the average rates for drivers in Indiana by age:

Age Group Average Cost Annual Savings with Carlay
18-20 $2,771 $956
21-24 $2,522 $1,031
25-34 $2,133 $822
35-44 $2,185 $973
45-54 $2,439 $921
55-64 $2,212 $897
65+ $2,901 $1,930
  • Cost to insure your car in Indiana with a poor driving record

If you have a blemished driving record, your Indiana car insurance rates will reflect that. If you've been in an accident, received a speeding ticket, or been arrested for DUI or another major driving offense, you can expect to pay higher car insurance rates. If you have a record of incidents in your driving history, most insurers will consider you a high-risk driver.

Carlay Insurance wants to help drivers with traffic violations find the most affordable rates for the coverage they need.

If you have a bad driving record and are concerned about the cost of car insurance, here are some rates Carlay has received for drivers in similar situations:

Driving Violation Average Cost Annual Savings with Carlay
Clean Record $2,318 $835
Improper Passing $3,384 $2,288
DUI $3,270 $2,023
Driving on Sus. License $3,138 $1,737
Speeding under 15 $3,288 $1,528
Speeding over 15 $2,486 $933
Failure to Obey Traffic Sign $2,405 $701
Suspension $2,160 $600
Illegal Turn $2,164 $558
Careless Driving $1,740 $108
  • Cost to insure your car in Indiana based on where you live

Car insurance premiums in Indiana may be lower than the national average, but your specific rate is determined by where you live.

For example, those who live in Indianapolis may see rates that are higher than people who live in less populated areas because they have more cars on the road. Additionally, Bloomington and North Bend may see higher average premiums because so many students attend universities in the area.

At Carlay, you can get cheap insurance rates no matter where in Indiana you live:

City Average Cost Annual Savings with Carlay
Carmel $1,667 $678
Evansville $1,962 $819
Fort Wayne $1,995 $670
Hammond $1,881 $656
Indianapolis $2,304 $951
Jeffersonville $2,418 $839
Lafayette $2,245 $952
Noblesville $3,430 $1,683
Plainfield $2,474 $774
Whiting $2,575 $808
  • Cost to insure your car in Indiana based on the type of car you drive

When it comes to your car insurance policy, the type of car you drive often correlates with how much you pay.

If you drive a basic sedan, like the popular Kia Forte, you could pay less for car insurance than drivers who have pricier vehicles because of the lower MSRP and cheaper replacement parts. For those in Indiana who want luxury, like the Volvo S60, their insurance premiums may be higher since luxury cars are more expensive to replace parts on, and repairs are costlier.

Here are Carlay insurance quotes for some of the most common cars in Indiana:

How to Save Money On Car Insurance in Indiana?

While Indiana's car insurance premiums are relatively affordable, you can still save money on auto insurance by doing the following:

  • Shop around for quotes

If you shop for car insurance quotes from multiple providers, you can be sure you're getting the best possible rate on your premiums. The downside of this is that doing all your own research can take a lot of time and be a real hassle. That's where Carlay comes in—you can comparison shop as easily as you check the weather.

Carlay is a car insurance app that helps you save time and money. Sign-up takes only a few minutes, and Carlay connects you with over 50 top insurance providers for quotes. Pick the policy that works best for you, and Carlay will help with all of the hard parts—including paperwork. The average Carlay user saves $879 on their car insurance.

Carlay will continue searching for new quotes even after you've chosen a policy so that the next time your policy is up for renewal; you'll see all available rates.

  • Look for discounts

Discounts are another way to keep the cost of car insurance down. Every provider offers different discounts, but they typically aren't publicized. Always ask your insurance agent what kind of discounts you can get.

Here is a list of popular discounts we offer in Indiana:

In Indiana, you can save money on your car insurance if you are a homeowner, married, or belong to certain organizations.

  • Increase your deductible

If you raise your deductible, you'll have to pay more out-of-pocket for claims, but it'll lower your monthly bill. If you choose this option, you may have to pay the full amount of your deductible all at once if you have to make a claim. You will probably still save money each month if you do need to make a claim.

Registering Your Car in Indiana

If you want to register your car in Indiana, you will need the following documents:

  • A driver's license or ID card
  • A car title or signed lease agreement
  • Odometer Disclosure Statement
  • Proof of residency
  • Social security information
  • Proof of insurance
  • Proof of vehicle inspection
  • Payment and fees

It's smart to make an appointment with the DMV before you go to register your vehicle. While you're there, you can file the paperwork that includes information such as your name and address and your vehicle identification number.

Indiana drivers must renew their vehicle registrations annually.