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.
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.
