- Car Insurance
- Auto Insurance by State
- Indiana Car Insurance
Get an Indiana car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Indiana
Indiana drivers could save money with these auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programIndiana minimum car insurance requirements (25/50/25)
It's illegal to drive without car insurance in Indiana. To drive legally, you need to have at least the following coverage amounts and minimums in Indiana.4
Coverage | Amount |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $25,000 per accident |
Learn more about state insurance requirements at the Indiana Department of Insurance.
Average car insurance cost in Indiana, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Indiana is about $1,476 per year.
Illinois drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
What's considered "full coverage" car insurance in Indiana?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of Indiana you're only required to have the state Liability minimums of 25/50/25.
However, “full car insurance” or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
You may also hear about Indiana PLPD insurance. This is just the 2 liability insurance types combined into one.
- PL: Personal Liability (or Bodily Injury Liability)
- PD: Property Damage Liability
As PLPD only covers injuries and damages to others, these wouldn't be considered full coverage.
Don't sacrifice coverage for cheap car insurance. We'll make sure you get the coverage you need at a great price in Indiana! Get an online auto insurance quote today.
Do you need insurance to register a car in Indiana?
Yes, to register your vehicle in the state of Indiana you need car insurance.
In general, to register a vehicle in Indiana you need
- A completed Application for Certificate of Title (Form 205)
- Your Indiana driver's license
- Original vehicle title
- Social Security number
- Proof of vehicle inspection, if necessary
- Payment for titling and registration fees
- Proof of Indiana car insurance
- Proof of residency
Who offers cheap insurance in Indiana?
Finding the cheapest car insurance in Indiana may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate