Indiana

Auto and home insurance in Indiana

State auto minimums, homeowners premium averages, and city guides for Indiana households. A quote is not a binder.

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71% of Indiana households own their home, the median owner-occupied home is valued at $218,200, and 76% of workers drive to work alone (ACS 2020–2024). That makes auto and homeowners coverage the two policies most Indiana families need. Below: the state's auto minimums, average homeowners premiums, local risks, and city guides.

Indiana auto insurance requirements

Indiana requires liability limits of at least 25/50/25 ($ thousands of bodily injury per person / per accident / property damage). Other required coverage: none beyond liability. Most homeowners carry well above the minimum. Compare all ten states in our state minimums guide.

Source: NAIC, Compulsory Motor Vehicle Insurance model law chart (state statutes), reviewed against state insurance department guidance.

Average homeowners premiums in Indiana

The NAIC's 2023 average HO-3 premium in Indiana was $1,259, versus $1,737 countrywide. Averages climb with the amount of dwelling coverage.

Dwelling coverage amountIndiana average HO-3 premium (2023)Countrywide average
Under $150,000$786$954
$150,000–$199,999$960$1,192
$200,000–$224,999$1,048$1,282
$225,000–$249,999$1,089$1,297
$250,000–$274,999$1,137$1,350
$275,000–$299,999$1,182$1,414
$300,000–$324,999$1,220$1,475
$325,000–$349,999$1,255$1,492
$350,000–$399,999$1,325$1,598
$400,000–$449,999$1,402$1,679
$450,000–$499,999$1,492$1,825
$500,000–$599,999$1,617$1,973
$600,000–$699,999$1,770$2,249
$700,000–$999,999$2,209$2,916
$1,000,000 and over$3,667$4,314
All amounts (state average)$1,259$1,737

Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.

Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4. Report (PDF).

How Indiana drives

Statewide, 76% of workers drive alone, 9% carpool, and 11% work from home. 13% commute 45 minutes or more, and 24% of households have three or more vehicles. Mileage, garaging location, and the number of drivers and cars all feed into auto pricing.

What moves a Indiana auto and home quote

  1. Driving records and the number of drivers and vehicles.
  2. Mileage and garaging, including commute length.
  3. Rebuild cost and the age of the roof and home systems.
  4. Local losses, especially tornadoes and derecho winds and hail.
  5. Deductibles and limits on both policies.
  6. Claims history and other rating factors allowed in Indiana.
  7. Discounts such as multi-policy, multi-car, and protective devices.

City guides for Indiana

Guides

More Indiana communities

We accept quote requests from anywhere in Indiana. Other cities and towns, listed by county:

  • Adams County — Berne; Decatur; Geneva; Monroe
  • Allen County — Grabill; Huntertown; Leo-Cedarville; Monroeville; New Haven; Woodburn
  • Bartholomew County — Clifford; Elizabethtown; Hartsville; Hope; Jonesville
  • Benton County — Ambia; Boswell; Earl Park; Fowler; Otterbein; Oxford
  • Blackford County — Hartford City; Montpelier; Shamrock Lakes
  • Boone County — Advance; Jamestown; Lebanon; Thorntown; Ulen; Whitestown; Zionsville
  • Brown County — Nashville
  • Carroll County — Burlington; Camden; Delphi; Flora; Yeoman
  • Cass County — Galveston; Logansport; Onward; Royal Center; Walton
  • Clark County — Borden; Charlestown; Clarksville; Sellersburg; Utica
  • Clay County — Brazil; Carbon; Center Point; Clay City; Harmony; Knightsville; Staunton
  • Clinton County — Colfax; Frankfort; Kirklin; Michigantown; Mulberry; Rossville
  • Crawford County — Alton; English; Leavenworth; Marengo; Milltown
  • Daviess County — Alfordsville; Cannelburg; Elnora; Montgomery; Odon; Plainville; Washington
  • Dearborn County — Aurora; Dillsboro; Greendale; Lawrenceburg; Moores Hill; St. Leon; West Harrison
  • Decatur County — Greensburg; Millhousen; New Point; St. Paul; Westport
  • Dekalb County — Altona; Ashley; Auburn; Butler; Corunna; Garrett; St. Joe; Waterloo
  • Delaware County — Albany; Daleville; Eaton; Gaston; Selma; Yorktown
  • Dubois County — Birdseye; Ferdinand; Holland; Huntingburg; Jasper
  • Elkhart County — Bristol; Goshen; Middlebury; Millersburg; Nappanee; Wakarusa
  • Fayette County — Connersville
  • Floyd County — Georgetown; Greenville; New Albany
  • Fountain County — Attica; Covington; Hillsboro; Kingman; Mellott; Newtown; Veedersburg; Wallace
  • Franklin County — Brookville; Cedar Grove; Laurel; Mount Carmel; Oldenburg
  • Fulton County — Akron; Fulton; Kewanna; Rochester
  • Gibson County — Fort Branch; Francisco; Haubstadt; Hazleton; Mackey; Oakland City; Owensville; Patoka; Princeton; Somerville
  • Grant County — Fairmount; Fowlerton; Gas City; Jonesboro; Marion; Matthews; Swayzee; Sweetser; Upland; Van Buren
  • Greene County — Bloomfield; Jasonville; Linton; Lyons; Newberry; Switz City; Worthington
  • Hamilton County — Arcadia; Atlanta; Cicero; Sheridan
  • Hancock County — Cumberland; Fortville; Greenfield; McCordsville; New Palestine; Shirley; Spring Lake; Wilkinson
  • Harrison County — Corydon; Crandall; Elizabeth; Laconia; Lanesville; Mauckport; New Amsterdam; New Middletown; Palmyra
  • Hendricks County — Amo; Avon; Brownsburg; Clayton; Coatesville; Danville; Lizton; North Salem; Pittsboro; Stilesville
  • Henry County — Blountsville; Cadiz; Dunreith; Greensboro; Kennard; Knightstown; Lewisville; Middletown; Mooreland; Mount Summit; New Castle; Spiceland; Springport; Straughn; Sulphur Springs
  • Howard County — Greentown; Russiaville
  • Huntington County — Andrews; Huntington; Markle; Mount Etna; Roanoke; Warren
  • Jackson County — Brownstown; Crothersville; Medora; Seymour
  • Jasper County — DeMotte; Remington; Rensselaer; Wheatfield
  • Jay County — Bryant; Dunkirk; Pennville; Portland; Redkey; Salamonia
  • Jefferson County — Brooksburg; Dupont; Hanover; Madison
  • Jennings County — North Vernon; Vernon
  • Johnson County — Bargersville; Edinburgh; Franklin; New Whiteland; Prince's Lakes; Trafalgar; Whiteland
  • Knox County — Bicknell; Bruceville; Decker; Edwardsport; Monroe City; Oaktown; Sandborn; Vincennes; Wheatland
  • Kosciusko County — Burket; Claypool; Etna Green; Leesburg; Mentone; Milford; North Webster; Pierceton; Sidney; Silver Lake; Syracuse; Warsaw; Winona Lake
  • Lagrange County — Lagrange; Shipshewana; Topeka
  • Lake County — Cedar Lake; Crown Point; Dyer; East Chicago; Griffith; Highland; Hobart; Lake Station; Lowell; Merrillville; Munster; New Chicago; Schererville; Schneider; St. John; Whiting; Winfield
  • Laporte County — Kingsbury; Kingsford Heights; La Crosse; La Porte; Long Beach; Michiana Shores; Michigan City; Pottawattamie Park; Trail Creek; Wanatah; Westville
  • Lawrence County — Bedford; Mitchell; Oolitic
  • Madison County — Alexandria; Chesterfield; Country Club Heights; Edgewood; Elwood; Frankton; Ingalls; Lapel; Markleville; Orestes; Pendleton; River Forest; Summitville; Woodlawn Heights
  • Marion County — Beech Grove; Clermont; Crows Nest; Homecroft; Meridian Hills; North Crows Nest; Rocky Ripple; Southport; Speedway; Spring Hill; Warren Park; Williams Creek; Wynnedale
  • Marshall County — Argos; Bourbon; Bremen; Culver; La Paz; Plymouth
  • Martin County — Crane; Loogootee; Shoals
  • Miami County — Amboy; Bunker Hill; Converse; Denver; Macy; Peru
  • Monroe County — Ellettsville; Stinesville
  • Montgomery County — Alamo; Crawfordsville; Darlington; Ladoga; Linden; New Market; New Richmond; New Ross; Waveland; Waynetown; Wingate
  • Morgan County — Bethany; Brooklyn; Martinsville; Monrovia; Mooresville; Morgantown; Paragon
  • Newton County — Brook; Goodland; Kentland; Morocco; Mount Ayr
  • Noble County — Albion; Avilla; Cromwell; Kendallville; Ligonier; Rome City; Wolcottville
  • Ohio County — Rising Sun
  • Orange County — French Lick; Orleans; Paoli; West Baden Springs
  • Owen County — Gosport; Spencer
  • Parke County — Bloomingdale; Marshall; Mecca; Montezuma; Rockville; Rosedale
  • Perry County — Cannelton; Tell City; Troy
  • Pike County — Petersburg; Spurgeon; Winslow
  • Porter County — Beverly Shores; Burns Harbor; Chesterton; Dune Acres; Hebron; Kouts; Ogden Dunes; Porter; Town of Pines; Valparaiso
  • Posey County — Cynthiana; Griffin; Mount Vernon; New Harmony; Poseyville
  • Pulaski County — Francesville; Medaryville; Monterey; Winamac
  • Putnam County — Bainbridge; Cloverdale; Fillmore; Greencastle; Roachdale; Russellville
  • Randolph County — Farmland; Losantville; Lynn; Modoc; Parker City; Ridgeville; Saratoga; Union City; Winchester
  • Ripley County — Batesville; Holton; Milan; Napoleon; Osgood; Sunman; Versailles
  • Rush County — Carthage; Glenwood; Rushville
  • Scott County — Austin; Scottsburg
  • Shelby County — Fairland; Morristown; Shelbyville
  • Spencer County — Chrisney; Dale; Gentryville; Grandview; Richland; Rockport; Santa Claus
  • St. Joseph County — Indian Village; Lakeville; New Carlisle; North Liberty; Osceola; Roseland; Walkerton
  • Starke County — Hamlet; Knox; North Judson
  • Steuben County — Angola; Clear Lake; Fremont; Hamilton; Hudson; Orland
  • Sullivan County — Carlisle; Dugger; Farmersburg; Hymera; Merom; Shelburn; Sullivan
  • Switzerland County — Patriot; Vevay
  • Tippecanoe County — Battle Ground; Clarks Hill; Dayton; Shadeland
  • Tipton County — Kempton; Sharpsville; Tipton; Windfall City
  • Union County — Liberty; West College Corner
  • Vanderburgh County — Darmstadt
  • Vermillion County — Cayuga; Clinton; Dana; Fairview Park; Newport; Perrysville; Universal
  • Vigo County — Riley; Seelyville; West Terre Haute
  • Wabash County — La Fontaine; Lagro; North Manchester; Roann; Wabash
  • Warren County — Pine Village; State Line City; West Lebanon; Williamsport
  • Warrick County — Boonville; Chandler; Elberfeld; Lynnville; Newburgh; Tennyson
  • Washington County — Campbellsburg; Little York; Livonia; New Pekin; Salem; Saltillo
  • Wayne County — Boston; Cambridge City; Centerville; Dublin; East Germantown; Economy; Fountain City; Greens Fork; Hagerstown; Milton; Mount Auburn; Richmond; Spring Grove; Whitewater
  • Wells County — Bluffton; Ossian; Poneto; Uniondale; Vera Cruz; Zanesville
  • White County — Brookston; Burnettsville; Chalmers; Monon; Monticello; Reynolds; Wolcott
  • Whitley County — Churubusco; Columbia City; Larwill; South Whitley

Auto and home insurance in Indiana: FAQ

What is the minimum car insurance in Indiana?

Liability of 25/50/25. Other required coverage: none beyond liability.

What is the average homeowners premium in Indiana?

The NAIC reported a 2023 Indiana HO-3 average of $1,259, 4th highest of the ten states we cover; the countrywide average was $1,737.

Can I bundle auto and home in Indiana?

Yes, most insurers that write both offer a multi-policy discount. Compare the bundle with separate quotes.

Who regulates insurance in Indiana?

The Indiana Department of Insurance licenses insurers, handles complaints, and publishes consumer guides.

Sources

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Last updated October 15, 2026 · How we research