Indiana Car Insurance
Exploring the Indiana Dunes or catching the Indianapolis Colts at Lucas Oil Stadium? Get covered with Lemonade car insurance in Indiana—the smart choice for drivers in the Hoosier State.
How much does car insurance
cost in Indiana?
The average estimated cost of car insurance in Indiana is approximately $126 per month, depending on factors like your age, driving history, car type, and location.
| City | Average monthly premium |
|---|---|
| Indianapolis | $154 |
| Fort Wayne | $138 |
| Carmel | $131 |
| Fishers | $135 |
Source: Value Penguin*
How can I get cheaper car
insurance in Indiana?
Hybrid/EV discount
Lower rates for driving eco-friendly cars—like hybrids or electric vehicles.
Bundle discounts
Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits—like speed, braking, and making smooth turns—can positively impact your premiums.
What’s the best car insurance in Indiana?
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle.
Fast claims resolution
File claims in minutes and get reimbursed quickly—right through the app.
What is the minimum car insurance
required in Indiana?
To meet Indiana car insurance coverage requirements, drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Indiana drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $25,000 |
What additional car insurance coverages
does Lemonade offer in Indiana?
to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read moreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read moreUninsured/underinsured motorist bodily injury coverage (aka UM/UIM)
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreUninsured motorist property damage coverage (aka UMPD)
Can help repair or replace your own car if you get into a car accident with an uninsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreIndiana Car Insurance FAQ
What happens if I don’t have the minimum coverage required by the state of Indiana?
If you don’t have the minimum auto insurance coverage required by the state of Indiana, you could face penalties such as fines, license suspension, and possible vehicle impoundment. Additionally, if you’re involved in an accident without proper coverage, you may be held personally responsible for damages and injuries. Ensuring you have at least the state’s minimum coverage helps you avoid these consequences.
How can I lower my car insurance premium in Indiana?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, paying your premium in full for a discount, and bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Indiana that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts—like the three year safe driving discount, or the five year accident free discount.
Is Indiana an at-fault state?
Yes, Indiana is an at-fault state, meaning the driver who is found responsible for causing an accident must pay for the resulting damages and injuries. This is typically handled through the at-fault driver’s insurance company. If you are not at fault, you can file a claim with the other driver’s insurer to seek compensation.
Are there unique weather-related risks to consider for Indiana drivers?
Indiana is known for its unpredictable weather—from icy winters to heavy thunderstorms and even the occasional tornado. These conditions can lead to accidents, flooding, or hail damage, which aren’t covered by basic liability insurance. Having comprehensive and collision coverage can protect your vehicle from whatever Mother Nature throws your way.
How does Indiana’s farm equipment traffic affect insurance?
While driving on Indiana’s backroads, you know it’s not unusual to get stuck behind a tractor or other farm equipment, especially during planting or harvest season. These slow-moving vehicles can be tricky to pass and sometimes cause unexpected accidents.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. *Premium data was sourced from Value Penguin accessed May, 2025. https://www.valuepenguin.com/best-cheap-car-insurance-indiana
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