Cheap Car Insurance in Indiana
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Indiana Car Insurance Minimums
Indiana requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$25,000
Source: state insurance department, verified 2026-09-01.
What drives car insurance rates in Indiana
Average spend per insured vehicle, 2023
$926
Indiana drivers spent $926 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
71.2¢
Auto insurers in Indiana paid 71.2 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
0.94
Indiana recorded 832 traffic deaths in 2024, 0.94 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
142.4
Indiana reported 9,930 motor vehicle thefts in 2025, 142.4 per 100,000 residents, from 213 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#22
FEMA ranks Indiana #22 of 51 for expected annual loss from natural hazards; flood accounts for 51% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Indiana
The ten insurer groups that wrote the most auto premium in Indiana in 2025, with their share of the state total of $5.6 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 22.01% | $1.2 billion |
| 2 | Progressive Group | 20.88% | $1.2 billion |
| 3 | Allstate Insurance Group | 9.1% | $513 million |
| 4 | Indiana Farm Bureau Group | 7.65% | $431 million |
| 5 | Berkshire Hathaway Group | 5.58% | $315 million |
| 6 | Erie Insurance Group | 4.99% | $281 million |
| 7 | Liberty Mutual Group | 3.72% | $210 million |
| 8 | Auto Owners Group | 3.16% | $178 million |
| 9 | United Services Automobile Association Group | 3.03% | $171 million |
| 10 | American Family Insurance Group | 2.59% | $146 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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