Indiana Car Insurance

Enter your ZIP Code to start your quote

Indianapolis cityscape overlooking water

Common questions about Indiana auto insurance

Need car insurance in Indiana? Whether you live in Indianapolis or Fort Wayne, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage we've got you covered. We'll help you 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 car insurance coverage for

  • Bodily Injury to others
  • Property Damage
  • Uninsured /Underinsured Motorist Bodily Injury
  • Uninsured Property Damage

Here are the minimum auto insurance limits drivers must have in Indiana.1



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

Check out the Indiana Department of Insurance for more details.

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

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

What is the average cost of car insurance in Indiana?

The average cost of car insurance in Indiana was $1,2612 in 2021 according to That's 18% 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 minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Indiana auto insurance with a customized policy so you only pay for what you need.

U.S. Map with Indiana state highlighted

What Indiana car insurance coverage is right for you?

All Indiana drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits 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 knows that everyone has different needs for their Indiana auto insurance. Some may want the cheapest Indiana car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Indiana car insurance, so you only pay for what you need.

Start your free quote

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.3

  • $817 lower than GEICO
  • $731 lower than Progressive
  • $839 lower than State Farm
  • $758 lower than Allstate

Discounts that help you save


Online Purchase Discount

Buy your policy online and save. It's that simple.4

Bundle and SaveLoading...

Convenience and savings — need we say more? Combine your policies and get a discount.5


Get rewarded for your good driving behavior by saving up to 30% on your policy.6

Begin your free online quote


Ready for a quote?

1Minimum coverage amounts are subject to change.
3Average savings validated by new customers who switched to Liberty Mutual between 10/2021 and 09/2022 and participated in a countrywide survey. 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.
4NOT AVAILABLE IN CA, NY, HI, MT, WY, ND, SD, AK, NC. Discount amount varies by state and reflects average savings as applied to certain auto coverages.
5Discounts 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.
6The 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. © 2024 Liberty Mutual Insurance