Indiana Auto Insurance Requirements & Costs
Complete guide to Indiana car insurance requirements, average rates, and coverage options with current 2026 data. We’re a licensed insurance broker serving 34 states, not an insurance carrier—we help you compare multiple providers to find the best rates.
If you’re ready to compare available Indiana coverage options and see current rates, you can start your quote here.
Indiana Auto Insurance Requirements
Indiana law requires all drivers to carry minimum liability insurance coverage. Understanding these requirements is essential for legal compliance and financial protection.
At A Plus Insurance, we work with multiple insurance providers to help you find the best coverage for your needs and budget.
| Coverage Type | Minimum Required | What It Covers |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Medical expenses and lost wages for one person injured in an accident you cause |
| Bodily Injury (per accident) | $50,000 | Total medical expenses and lost wages for all people injured in an accident you cause |
| Property Damage | $25,000 | Damage to another person’s vehicle or property in an accident you cause |
| Underinsured Motorist (UIM) | $25,000/$50,000 | Protection when at-fault driver has insufficient coverage (required in Indiana) |
Optional but Recommended Coverage
While not legally required, these coverages provide crucial protection:
- Uninsured/Underinsured Motorist: Protects you if hit by a driver with no insurance or insufficient coverage
- Collision: Covers damage to your vehicle from accidents, regardless of fault
- Comprehensive: Covers non-collision damage (theft, vandalism, weather, animals)
- Medical Payments (MedPay): Covers medical expenses for you and passengers, regardless of fault
For a full breakdown of what each auto insurance coverage type includes, visit our auto insurance guide.
Average monthly auto insurance rate by state
- Pricing ranges from $145.06 (IN) to $145.06 (IN) ... a spread of $0.00.
- Based on real auto insurance quotes grouped into 1 company results, the average across this view is $145.06. The spread is about 0% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2033 | 1Vy6um3wyngrfxdWy1V1o3At-g1YFSF1 | 2026-03-26 | IN | 46227 | unknown | unknown | unknown | Progressive | 107.83 | 0 | 0 | 0 | |||||
| 2018 | 1n2Gb3hfOcGBFtYQOMs0E05GSoTTtrqO | 2026-03-30 | IN | 2007 | Hyundai | Elantra | unknown | unknown | liability_only | 182.28 | 0 | 0 | 0 |
How Violations & Risk Factors Affect Your Indiana Rates
Your driving record and risk profile significantly impact insurance costs in Indiana. Understanding these factors helps you anticipate rate changes and make informed decisions.
Understanding SR-22 Insurance in Indiana
An SR-22 is not insurance itself, but a certificate of financial responsibility filed by your insurance company with the Indiana Department of Public Safety. You may need an SR-22 if you have:
- DUI or DWI conviction
- Multiple traffic violations in a short period
- At-fault accident without insurance
- License suspension or revocation
- Conviction for driving without insurance
Need SR-22 insurance? Learn more about SR-22 insurance in Indiana and get quotes from providers who specialize in high-risk coverage.
SR22 vs non SR22 rate comparison
Source ... A Plus Insurance Quote Dataset
Liability only
| State | Non SR22 avg monthly | SR22 avg monthly | Dollar difference |
|---|---|---|---|
| IN | $182.28 |
Full coverage
| State | Non SR22 avg monthly | SR22 avg monthly | Dollar difference |
|---|
Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.
Evidence (records used)
| Record ID | Agent | Agent NPN | State | City | ZIP | Age | Sex | Marital Status | Currently Insured | Prior Carrier | Vehicle Year | Vehicle Make | Vehicle Model | Coverage Package | Carrier Quoted | Monthly Premium | SR22 Required | DUI Flag | DUI Count | Accidents Count | Violations Count | Created At |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2033 | Lauren McKenzie | 19081764 | IN | 46227 | unknown | unknown | unknown | unknown | Progressive | 107.830000 | yes | unknown | 0 | 0 | 0 | 2026-04-03 06:04:16 | ||||||
| 2018 | Lauren McKenzie | 19081764 | IN | unknown | unknown | yes | Progressive | 2007 | Hyundai | Elantra | liability_only | 182.280000 | no | no | 0 | 0 | 0 | 2026-04-03 06:03:56 |
How DUI Affects Your Indiana Insurance Rates
A DUI conviction has severe consequences for auto insurance in Indiana:
- Rate Increase: Average increase of 60-100% for 3-5 years
- SR-22 Requirement: Mandatory filing for minimum 3 years
- Limited Options: Many standard insurers will not cover DUI drivers
- Long-term Impact: DUI stays on your record for 10 years in Indiana
After a DUI, you’ll need to obtain coverage from high-risk or non-standard insurance providers. Rates gradually decrease as time passes without additional violations, but expect elevated premiums for several years.
Common Traffic Violations and Rate Impacts in Indiana
| Violation Type | Typical Rate Increase | Duration of Impact |
|---|---|---|
| Speeding (15+ mph over) | 20-30% | 3 years |
| At-fault accident | 30-50% | 3-5 years |
| Reckless driving | 40-70% | 3-5 years |
| DUI/DWI | 60-100% | 5-10 years |
| Driving without insurance | 50-80% | 3 years |
Why Indiana Auto Insurance Rates Change Over Time
Auto insurance rates in Indiana fluctuate based on multiple factors. Understanding what drives these changes helps you make informed decisions about when to shop for coverage and how to manage your insurance costs effectively.
Key Factors That Affect Your Indiana Insurance Rates
- Inflation and Repair Costs: Vehicle repair costs and medical expenses increase annually, driving up premiums
- Accident Frequency: Higher accident rates in your area lead to increased premiums
- Market Competition: New insurers entering Indiana or existing ones adjusting pricing strategies
- Your Personal Profile: As your driving record, age, and credit change, your rates adjust accordingly
Get quotes from top insurers in under 5 minutes
For broader rate comparisons and up-to-date pricing research, explore our auto insurance rate data research library.
Liability only vs full coverage by company
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2033 | 1Vy6um3wyngrfxdWy1V1o3At-g1YFSF1 | 2026-03-26 | IN | 46227 | unknown | unknown | unknown | Progressive | 107.83 | 0 | 0 | 0 |
Cheapest auto insurance companies
- Pricing ranges from $107.83 (Progressive) to $107.83 (Progressive) ... a spread of $0.00.
- Based on real auto insurance quotes grouped into 1 company results, the average across this view is $107.83. The spread is about 0% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2033 | 1Vy6um3wyngrfxdWy1V1o3At-g1YFSF1 | 2026-03-26 | IN | 46227 | unknown | unknown | unknown | Progressive | 107.83 | 0 | 0 | 0 |
Driver age average monthly by area
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| No matching records yet. | |||||||||||||||||
Driver sex average monthly by area
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| No matching records yet. | |||||||||||||||||
Auto Insurance Coverage Across Indiana Counties
Find detailed auto insurance information, rates, and requirements specific to your Indiana county.
