Average insurance rates across 96 cities in Indiana
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Indianapolis | 887,642 | $1,575 | $1,395 | $512/mo | $14/mo |
| Fort Wayne | 337,163 | $1,575 | $1,395 | $512/mo | $14/mo |
| South Bend | 278,061 | $1,575 | $1,395 | $512/mo | $14/mo |
| Evansville | 203,661 | $1,575 | $1,395 | $512/mo | $14/mo |
| Lafayette | 160,543 | $1,575 | $1,395 | $512/mo | $14/mo |
| Elkhart | 149,423 | $1,575 | $1,395 | $512/mo | $14/mo |
| Bloomington | 108,387 | $1,575 | $1,395 | $512/mo | $14/mo |
| Carmel | 99,453 | $1,575 | $1,395 | $512/mo | $14/mo |
| Fishers | 99,041 | $1,575 | $1,395 | $512/mo | $14/mo |
| Muncie | 88,061 | $1,575 | $1,395 | $512/mo | $14/mo |
| Anderson | 83,875 | $1,575 | $1,395 | $512/mo | $14/mo |
| Terre Haute | 80,567 | $1,575 | $1,395 | $512/mo | $14/mo |
| Hammond | 77,390 | $1,575 | $1,395 | $512/mo | $14/mo |
| Noblesville | 70,442 | $1,575 | $1,395 | $512/mo | $14/mo |
| Michigan City | 69,459 | $1,575 | $1,395 | $512/mo | $14/mo |
Indiana residents pay an average of $1,750 per year for home insurance and $1,550 for auto insurance. Indiana follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/25.
Health insurance in Indiana averages $520 per month for an individual Silver marketplace plan. The weather risk level is medium, with tornado activity affecting premiums. Top insurance providers in Indiana include State Farm, Erie Insurance, Indiana Farm Bureau.
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Policygenius The ZebraThe average home insurance cost in Indiana is $1,750 per year. Rates range from $1,100 to $2,500 depending on home value, location, and coverage level.
Auto insurance in Indiana averages $1,550 per year for full coverage. The state minimum coverage is 25/50/25.
Indiana has below-average insurance costs, with home insurance at $1,750/yr and auto at $1,550/yr compared to national averages of $2,300 and $1,800 respectively.
Indiana requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.