Indiana
- ~$45–$60
- ~$115–$135
- $25K/$50K/$25K
Indiana’s auto insurance landscape is marked by affordability and relatively low congestion, except in Indianapolis and northwest urban centers. While average premiums are among the lowest in the U.S., a notable uninsured rate and rising rural accident severity are emerging issues.
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Indiana Auto Insurance Facts *
Drivers
- ~4.5–4.7 million licensed drivers as of 2023.
- Widespread vehicle ownership due to limited public transportation outside cities.
- ~93% of households have access to at least one vehicle.
- Uninsured driver rate estimated at 15–16%.
- Majority of traffic concentrated around Indianapolis and Lake County corridors.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~216,700 | ~53,200 | 858 |
| 2019 | ~217,800 | ~53,500 | 873 |
| 2020 | ~175,000 | ~44,300 | 896 |
| 2021 | ~204,500 | ~51,800 | 931 |
| 2022 | ~212,000 | ~52,100 | 956 |
Laws & Regulations
- Tort system.
- Uninsured/underinsured motorist coverage not required but recommended.
- Electronic insurance verification in effect.
