Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Indiana apart
Below-average rates; strong carrier competition.
Minimum vs. full coverage in Indiana
What each coverage level costs on the Indiana average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $530 | $44 |
| Liability Only | $850 | $71 |
| Full | $1,550 | $129 |
| Full Low Deductible | $1,890 | $158 |
Minimum coverage saves about $1,016/yr vs full — but caps protection at 25/50/25. One at-fault crash above those limits and the gap is yours.
Indiana car insurance FAQ
- What's the minimum car insurance required in Indiana?
- Indiana's state minimum is 25/50/25 — $25k bodily injury per person, $50k per accident, $25k property damage. Minimum-only runs about $530/yr but leaves you exposed above those caps.
- How much is full coverage in Indiana?
- Representative full coverage averages $1,546/yr (about $129/mo), ranking Indiana #12 of 51 states for cost.
- Why is Indiana car insurance priced the way it is?
- Below-average rates; strong carrier competition.