Indiana Car Insurance

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Common questions about Indiana auto insurance

Need car insurance in Indiana? Whether you live in Indianapolis or Fort Wayne, Liberty Mutual Insurance has you covered. From liability protection to comprehensive coverage, we customize your Indiana auto insurance, so you only pay for what you need.

What car insurance is required in Indiana?

In Indiana it’s illegal to drive without insurance. Drivers in Indiana are required to have the following car insurance coverage: bodily injury to others, property damage, uninsured motorist bodily injury, uninsured property damage, and underinsured motorists bodily injury.

This chart shows the minimum auto insurance drivers are required to have in Indiana.1



Bodily Injury to Others$25,000 per person and $50,000 per accident
Property Damage Liability$10,000 per accident
Uninsured Motorist Bodily Injury Coverage$25,000 per person and $50,000 per accident
Uninsured Property Damage$10,000 per accident
Underinsured Motorists Bodily Injury$50,000 per accident

For more information, check out Indiana Department of Insurance.

What is the average cost of car insurance in Indiana?

The average cost of car insurance in Indiana is $1,1882 per year according to That’s 20% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your Indiana auto insurance, so you only pay for what you need.

U.S. Map with Indiana state highlighted

What Indiana car insurance coverage is right for you?

The chart above shows the minimum Indiana auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection. We’ll help you customize your Indiana car insurance to get the coverage that fits you. See all of our auto coverage options.

What is the best car insurance in Indiana?

Liberty Mutual understands that everyone has individual needs when it comes to their Indiana auto insurance. Some might want the cheapest Indiana car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your Indiana car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in Indiana?

Getting the cheapest car insurance in Indiana may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that’s affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.4

  • $617 lower than GEICO
  • $659 lower than Allstate
  • $643 lower than Nationwide

Discounts that help you save


Online Purchase Discount

Buy your policy online and save. It's that simple.5

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Convenience and savings — need we say more? Combine your policies and get a discount.6


Get rewarded for your good driving behavior by saving up to 30% on your policy.7

Indiana insurance agents near me

Liberty Mutual Offices in Indiana

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1Minimum coverage amounts are subject to change.
2Dollar figures represent data shown on thezebra's website as of February, 2022.
4Savings validated by 2019 countrywide survey of participating new customers who switched to Liberty Mutual. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Savings may vary. Comparison does not apply in MA.
5Discount applies to 12% on average off auto coverages: Bodily Injury Liability, Physical Damage, Uninsured Motorist, Underinsured Motorist, Medical Payments, Personal Injury Protection, Collision and Comprehensive coverages, as applicable by state.
6Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
7The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. © 2023 Liberty Mutual Insurance