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Recent Indiana car insurance prices for BMW, Chrysler, Mercedes Benz, and more.
Quoted June 21, 2026
A Warsaw, Indiana, driver just saved on coverage for their BMW 2-Series with this quote from Liberty Mutual.
39$/m
Quoted June 21, 2026
A Warsaw, Indiana, driver just saved on coverage for their BMW 2-Series with this quote from Liberty Mutual.
39$/m
Quoted June 21, 2026
A Warsaw, Indiana, driver just saved on coverage for their BMW 2-Series with this quote from Liberty Mutual.
39$/m
Quoted June 21, 2026
A Warsaw, Indiana, driver just saved on coverage for their BMW 2-Series with this quote from Liberty Mutual.
39$/m
Quoted June 21, 2026
A Warsaw, Indiana, driver just saved on coverage for their BMW 2-Series with this quote from Liberty Mutual.
39$/m
Quoted June 21, 2026
A Warsaw, Indiana, driver just saved on coverage for their BMW 2-Series with this quote from Liberty Mutual.
39$/m
Quoted June 21, 2026
A Warsaw, Indiana, driver just saved on coverage for their BMW 2-Series with this quote from Liberty Mutual.
39$/m
Quoted June 21, 2026
A Warsaw, Indiana, driver just saved on coverage for their BMW 2-Series with this quote from Liberty Mutual.
39$/m
Quoted June 21, 2026
A Warsaw, Indiana, driver just saved on coverage for their BMW 2-Series with this quote from Liberty Mutual.
39$/m
Quoted June 21, 2026
A Warsaw, Indiana, driver just saved on coverage for their BMW 2-Series with this quote from Liberty Mutual.
39$/m
Quoted June 21, 2026
A Warsaw, Indiana, driver just saved on coverage for their BMW 2-Series with this quote from Liberty Mutual.
39$/m
Quoted June 21, 2026
A Warsaw, Indiana, driver just saved on coverage for their BMW 2-Series with this quote from Liberty Mutual.
39$/m
Indiana drivers with clean records and good or excellent credit typically find the cheapest average car insurance rates with Auto-Owners, State Farm, and USAA.
Here you can see the 10 cheapest insurers in the state for minimum and full coverage.
Best-rated insurance companies in Ontario
From heavy congestion in and around Indianapolis to tornadoes and hail around the state, Indiana drivers have several concerns to be aware of. That makes having the right car insurance even more important.
The insurers listed below are some of the best auto insurers in Indiana. All score well in Insurify user reviews and Insurify Quality (IQ) Scores. The IQ Score combines financial strength ratings from AM Best, customer satisfaction from J.D. Power, and complaint data from the National Association of Insurance Commissioners (NAIC).
Ratings also include real reviews from Indiana drivers to give you a fuller view of each company’s performance.
How much is car insurance in Ontario?
Indiana drivers pay about $1,542 per year for full coverage and around $778 per year for liability-only insurance. Both are below the national averages.
But insurance costs are going up. Severe storms, hail, tornadoes, and straight-line winds are the most common billion-dollar disasters in the U.S., according to the National Oceanic and Atmospheric Administration.[4] These events often affect Indiana — the state experiences more than 20 tornadoes per year — leading to higher insurance rates and more expensive claims.
Car insurance rates can vary widely across Indiana. Cities like Indianapolis have higher premiums due to heavier traffic, higher theft rates, and more accidents. At the same time, you’ll often find lower rates in more rural parts of the state.
Here, you can see how rates vary across several different cities in Indiana.
Car insurance premiums in Indiana can vary widely from one insurer to another. Each company has its own pricing formula and weights factors like your credit, location, and driving history differently, which can lead to big differences in quotes.
This variation is especially clear in Indiana, where driving conditions range from busy city streets in Indianapolis to fast rural highways, each with distinct risks. Insurers also consider factors such as past claims, annual mileage, and where you park your car.
To get the most accurate auto insurance quotes, you should:
Determine your coverage needs.
Gather your information, including driver’s license, driving record, and VIN.
Compare quotes from at least three to five insurers using a comparison platform.
Use identical coverage limits so quotes are truly comparable.
Include regional insurers, which often price competitively in Indiana.
Shop again after major life changes, like moving or buying a car.
Bundle policies (auto plus home or renters) to unlock car insurance discounts.
Review discounts annually to avoid missing new savings opportunities.
Indiana requires drivers to carry coverage that meets certain minimum coverage limits. This means your insurance policy must meet or exceed the following coverage levels:
Remember, you must carry proof of insurance, and failing to maintain coverage may result in license suspension. The state also requires insurers to offer uninsured/underinsured motorist coverage, though drivers may reject this coverage in writing.
Indiana follows an at-fault system, meaning the driver who is responsible for an accident pays for injuries and damages.
The best way to lower your car insurance costs in Indiana is to focus on the factors you can control, like your credit and driving history.
Indiana’s average credit score is a bit lower than the U.S. average, according to Equifax. This can affect insurance premiums, since many insurers use credit-based insurance scores during the quoting process. People with lower scores often pay higher rates.
To save money on your next auto policy, you can:
Improve your credit. Insurers see drivers with higher credit-based insurance scores as less risky to insure and will generally offer them a better rate.
Maintain a clean driving record. Even a single speeding ticket on your record can raise your rates.
Use telematics programs. If you’re a safe driver who doesn’t speed, opting for a telematics program could save you a lot of money.
Raise your deductible. A higher deductible leads to lower rates because you’re taking on more of the risk yourself. Just be sure you can afford to pay the deductible should you need to file a claim.
Bundle auto and home insurance. Many insurers offer savings for bundling coverages. Be sure to ask your insurer what bundling options are available. You may find an opportunity you weren’t expecting.
If you’re looking for more specific information about car insurance in Indiana, check out our extensive library of information. We cover everything from how to find cheap insurance after an at-fault accident to what coverage will pay for vehicle vandalism.
Your auto insurance costs in Indiana depend a lot on your driving history and personal details. Here, you can check out additional articles that will help you find the best policy for you in Indiana.
Car insurance costs in Indiana increased in 2025 because of higher repair costs, more serious accidents, and inflation, according to Insurify’s Insuring the American Driver Report.
In 2026, average costs will remain largely unchanged, Insurify analysts predict, with just a 0.1% increase possible. Indiana remains one of the more affordable states for car insurance in the country.
If you’re looking for affordable car insurance in Indiana, the answers to the following FAQs can help you find the right coverage for you.
What’s the cheapest car insurance in Indiana?
Auto-Owners has the cheapest car insurance premiums in Indiana, according to Insurify data. Its average premiums are $35 per month for a liability policy.
Is $100 per month normal for car insurance in Indiana?
Yes, $100 would be very close to the state average. Insurify data shows the state’s average premium is $97, while the national average is $142 per month. Remember, your actual rate will depend on your coverage, age, and driving record.
Why is Elephant Insurance so cheap in Indiana?
Elephant Insurance is often less expensive because it sells directly to customers and uses digital tools, which lowers its costs. It also offers discounts for things like having more than one car, bundling policies, and working from home. Depending on your state and eligibility, you could save up to 40%.
