Affordable Home Insurance in Indiana
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What drives home insurance rates in Indiana
Average homeowners premium, 2023
$1,259
The average homeowners policy in Indiana cost $1,259 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
78.5¢
Home insurers in Indiana paid 78.5 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
230
NOAA logged 73 tornado, 127 large-hail and 30 flash-flood event reports in Indiana in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
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 flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Indiana
The ten insurer groups that wrote the most home premium in Indiana in 2025, with their share of the state total of $3.6 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 23.56% | $837 million |
| 2 | Allstate Insurance Group | 10.08% | $358 million |
| 3 | Erie Insurance Group | 7.85% | $279 million |
| 4 | Indiana Farm Bureau Group | 7.54% | $268 million |
| 5 | American Family Insurance Group | 7.44% | $264 million |
| 6 | Liberty Mutual Group | 6.6% | $234 million |
| 7 | Auto Owners Group | 5.53% | $196 million |
| 8 | United Services Automobile Association Group | 3.48% | $124 million |
| 9 | Travelers Group | 3.34% | $119 million |
| 10 | Farmers Insurance Group | 2.73% | $97 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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