Car insurance rates in Indiana

The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.

- Westfield provides the cheapest liability coverage at $21 per month in Indiana.
- Westfield offers the cheapest rates for full coverage insurance in Indiana at $68 per month.
- At $116 per month, Fort Wayne is the cheapest city for car insurance in Indiana.

Read on to learn more about car insurance price trends in Indiana. More car insurance rate data is available in the original article at Way.com.

Cheapest liability insurance in Indiana

For drivers looking to meet Indiana minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.

Cheapest liabiility insurance in Indiana
#1. Westfield: $21
#2. USAA: $25
#3. Auto-Owners Insurance Co: $28
#4. Hastings Mutual Insurance Co: $30
#5. Auto-Owners: $33

Cheap full coverage in Indiana

Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.

Cheapest full coverage insurance in Indiana
#1. Auto-Owners Insurance Co: $68
#2. Westfield: $69
#3. Nationwide: $73
#4. Hastings Mutual Insurance Co: $82
#4. USAA: $82

Impact of traffic violations on Indiana auto insurance rates

In Indiana, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Indiana may differ from the national average due to regional risks and rules.

Here's a breakdown of average auto insurance rates in Indiana after common driving violations.

- No violation: $138
- Not-at-fault accident: $146
- Failure to wear a seat belt: $157
- Speeding 6 - 10 MPH over limit: $169
- Speeding 21 - 25 MPH over limit: $187
- DUI: $265
- Reckless driving: $260
- Driving with a suspended license: $272
- Leaving scene of an accident/hit and run: $270

Car insurance rates across Indiana's top cities

Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.

Cities with the cheapest average monthly premium in Indiana
#1. Fort Wayne: $116
#2. South Bend: $117
#3. Monroe: $123
#3. Geneva: $123
#3. Berne: $123

Cities with the most expensive average monthly premium in Indiana
#1. East Chicago: $201
#2. Gary: $197
#3. Hammond: $189
#4. Whiting: $186
#5. Lake Station: $168