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Indiana Auto and Home Insurance
Did you know that over 6.9 million people call the Hoosier State home? No matter what part of the state you live in, it’s important to carry home and auto insurance to help protect your assets.When considering auto and home insurance in Indiana, you’ll need to know what the state requires in terms of coverage. While homeowners insurance isn’t legally required in Indiana, it’s an invaluable form of protection, and mortgage lenders will typically require you to have insurance before approving your loan. As far as auto insurance goes, the state requires all licensed drivers to carry bodily injury liability and property damage liability with a 25/50/25 limit. There’s a lot to learn about home and auto insurance in Indiana, but luckily SelectQuote is here to help. Our licensed agents can save you time by shopping for home and auto coverage that fits your unique needs—all in as little as 15 minutes.Table of Contents
Average Home and Car Insurance Rates in IndianaOther Home and Auto Discounts Available in IndianaHow to Get Insurance Quotes in IndianaSelectQuote Shops Home and Auto Insurance Quotes for YouIndiana Home and Auto Insurance FAQsCar Insurance in IndianaHomeowners Insurance in IndianaNeed Help Finding Coverage? Call SelectQuote TodayAverage Home and Car Insurance Rates in Indiana
Knowing the average home and car insurance rates in Indiana can help you understand what to expect when shopping for coverage. Read on to learn more about what real SelectQuote customers pay for home and auto insurance in Indiana.Average Monthly Home Insurance Cost in Indiana
The average monthly home insurance premium for SelectQuote customers in Indiana is $117.48,+ but your costs will vary based on several factors including:- ZIP code
- Credit rating
- Policy limits
- Types of coverage purchased
- Risk categories
- Deductible
Average Monthly Auto Insurance Cost in Indiana
The average Indiana car insurance cost for SelectQuote customers is $125.41 per month,+ but exact rates will vary based on several factors, including but not limited to:- The make, model, and age of your vehicle
- Your credit score
- Your driving record
- Your auto insurance deductible
- Your ZIP code
- Your driving habits, including annual distance traveled
Bundle Your Home and Auto Insurance to Save Money
Our Indiana customers see an average annual savings of almost $700 with bundled home and auto coverage. Listed below are real rates for customers in selected Indiana cities.| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate of Bundled Policies |
| Evansville | $79.09 | $108.58 | $157.57 |
| Fort Wayne | $95.86 | $132.16 | $197.25 |
| Indianapolis | $123.69 | $150.05 | $244.26 |
| Kokomo | $105.45 | $101.31 | $195.10 |
| South Bend | $114.50 | $126.49 | $244.99 |
Other Home and Auto Discounts Available in Indiana
Indiana residents have access to a variety of discounts that can help reduce the costs of both home and auto insurance. Whether you’re looking to save on coverage for your car, your home, or both, there are several opportunities to take advantage of. Insurance companies in the state offer discounts based on factors such as bundling policies, driving habits, home safety features, and even your membership in certain organizations. Let’s explore discounts that may be available to Indiana residents.Homeowners Insurance Discounts
Indiana home insurance companies offer several discounts to help reduce the cost of coverage. Common home insurance discounts can include:- Discounts for a low number of claims filed
- Discounts based on profession or military service
- Discounts for customer loyalty
- Discounts for bundling your home and auto insurance policy
Auto Insurance Discounts
There are many potential auto insurance discounts to explore in Indiana. You may find cost savings for:- Having a safe driving history
- Maintaining a low mileage on your vehicle
- Being a student
- Military service
- Bundling with home insurance or other types of insurance
- Paying your premium in full annually rather than in monthly installments
How to Get Insurance Quotes in Indiana
When it comes to getting the right insurance coverage as an Indiana resident, comparing quotes from multiple providers is essential to ensuring you get the most affordable rate for your needs. SelectQuote can simplify this process by quickly and easily comparing insurance quotes for both auto and home policies. Our licensed agents know the ins and outs of the policies that our trusted carrier partners offer, so whether you’re looking to save on your car insurance or find the best home insurance options, we can help.Shopping for Homeowners Insurance
Here are some steps to follow when shopping for homeowners insurance in Indiana.- Determine your coverage needs, including what it would take to rebuild your home after a catastrophe.
- Create an inventory of your property, including furniture, appliances, and electronics.
- Source quotes from several insurance companies at once to compare rates. This step of the process is even easier when you work with a trusted brokerage like SelectQuote.
- Don’t forget to ask about any eligible discounts, including those for bundling home and auto insurance coverage.
Shopping for Auto Insurance
When shopping for auto insurance in Indiana, keep the following tips in mind.- Determine your needed coverage limits, including the legal minimums, and any other coverages as required by your vehicle lender.
- Compare quotes from several insurance companies at once. SelectQuote can source this information and do most of the work for you.
- Bundle your home and auto insurance together for additional savings.
SelectQuote Shops Home and Auto Insurance Quotes for You
Whether you live in Indianapolis or enjoy a quiet lifestyle in the wooded hills of Brown County, buying home and auto insurance is important. If you have questions about finding affordable coverage for your home or vehicle, SelectQuote can help. We shop for standalone or bundled home and auto insurance to save you time and money.Our Trusted Home and Insurance Partners in Indiana
SelectQuote works with highly rated home and auto insurance companies in Indiana to provide you with competitive quotes for your coverage.Who has the cheapest insurance rates in Indiana?
Insurance rates in Indiana can differ greatly between providers. It’s always a good idea to compare quotes from several providers to find the most affordable option for your specific needs.
Do I need mobile home insurance in Indiana?
While mobile home insurance is not legally required in Indiana, it is highly recommended if you own a mobile home. Mobile homes are at greater risk of damage from weather events and accidents, so having insurance can protect your investment. Lenders may also require it if you finance your mobile home.
Is flood insurance required in Indiana?
Flood insurance is not required by the state of Indiana for homeowners unless they live in a high-risk flood zone and have a federally-backed mortgage. However, it is strongly recommended for those in flood-prone areas, as standard home insurance policies typically don’t cover flood damage.
What is the penalty for not having car insurance in Indiana?
In Indiana, driving without insurance can result in significant penalties, including:
- A suspension of your driver’s license.
- A suspension of your vehicle registration.
- A fine of up to $1,000 for the first offense.
Auto Insurance in Indiana
As the “Crossroads of America,” Indiana sees significant traffic on its highways like Interstates 70 and 64, both of which cut across the state. Nearly 1.9 million automobiles are registered in Indiana, with over 4.6 million licensed drivers behind the wheel.Each of these drivers and vehicles is required to be insured in order to provide financial protection in the event of an auto accident. Let’s look at what Indiana requires in terms of auto insurance and what additional coverage you may consider for full protection.Indiana Auto Insurance Laws and Requirements
Indiana requires all drivers to carry some form of liability insurance coverage to help pay for damages they may cause as a result of an incident involving their vehicle. This liability insurance coverage comes in two forms: bodily injury liability coverage, which pays for medical costs and funeral expenses, and property damage liability coverage, which pays for damage to another’s property in an accident where you are found to be at fault.The state of Indiana says all drivers must carry bodily injury liability coverage with a minimum of $25,000 per person and $50,000 per accident. Property damage liability insurance must cover at least $25,000 per accident. These limits are commonly described as 25/50/25.Indiana insurance companies are also required to offer uninsured and underinsured motorist coverage as part of all auto insurance policies, but you may reject this coverage. These types of coverage help pay for damages related to an accident where you’re not at fault but the other driver either lacks enough coverage or doesn’t have auto insurance.| Types of Coverage | Minimum State Requires |
| Bodily Injury Liability | $25,000 per person/$50,000 per accident |
| Property Damage Liability | $25,000 per accident |
| Uninsured Motorist | $25,000 per accident* |
| Underinsured Motorist | $50,000 per person and $50,000 per accident* |
| Collision | Not required |
| Comprehensive | Not required |
| Gap Insurance | Not required |
- Comprehensive coverage helps pay for losses related to theft, vandalism, fire, glass breakage, and other hazards.
- Collision coverage pays for damages to your car after a collision with another vehicle.
- Medical payments coverage can help pay medical bills incurred by you and your passengers if injured while riding in or entering/exiting your vehicle.
- Gap insurance pays the difference between the value of your totaled vehicle and what you currently owe on it.
Indiana Teen Driving Laws
Indiana requires all teen drivers to have an auto insurance policy and to obtain a graduated probationary driver’s license. The auto insurance coverage may be purchased by the driver or the teen may be added to their parents’ or guardians’ insurance policy, which is often the more affordable option. The graduated license comes with several restrictions on the number of passengers allowed in the vehicle as well as prohibitions on using a cell phone in the vehicle. Upon turning 21 years old, the driver will have a full license.Indiana Car Registration Information
Registering a vehicle in Indiana requires you to have the vehicle’s title or a statement of existing lease agreement (if leased), an emissions test in Lake and Porter counties, and proof of insurance. Proof of auto insurance can take the form of:- Your current auto insurance card
- Your policy declaration
- A letter from your insurance company on company letterhead attesting to insurance
Homeowners Insurance in Indiana
Over 70% of Indiana residents own their own homes. Home insurance is incredibly advantageous for homeowners, as it can help protect you in the event of damage or disaster. Indiana is prone to unpredictable weather patterns, and with the potential for natural disasters like tornadoes, having coverage is crucial. Let’s dive into the common causes of loss in Indiana as well as the different types of coverage available to Indiana homeowners.Common Causes of Loss in Indiana
Located in the Midwest, the state of Indiana is often susceptible to natural disaster-related claims, including:- Windstorm damage
- Hail
- Lightning
- Trees and other fallen objects
- Floods
Homeowners Insurance Coverage Options in Indiana
You can typically expect your policy to offer the following types of home insurance coverage:- Dwelling coverage protects your home’s structure, including its walls and roof.
- Personal property coverage protects items inside your home (furniture, appliances, etc.) even if damaged outside of your house.
- Liability coverage defends and covers you if you’re sued after a person is injured on your property or after you damage their property.
- Guest medical protection coverage can pay immediate medical expenses for someone injured on your property.
- Other structures coverage can pay for damages to structures on your property that aren’t connected to your home, such as detached garages or sheds.
- Additional living expenses coverage helps pay for lodging, food, and other needs if your home is uninhabitable after a covered loss.
Additional Coverage Options Recommended for Indiana Homeowners
Knowing the common types of insurance claims in your area is important as you make decisions about buying additional coverage. Some of the most common recommended types of coverage you can add to your home insurance policy include:- Flood insurance isn’t included as part of most home insurance policies. However, it’s wise to consider this type of coverage—Indiana experienced 64 flooding and heavy rain events in 2024 alone. You can buy flood insurance through the National Flood Insurance Program (NFIP) or through a private insurance company.
- Sewer backup and seepage coverage can help pay for damages related to drain line backups or sump pump failures. Even if you don’t have a basement or below-ground level of your home, it may make sense to add this coverage.
- Roof replacement cost coverage can help pay for the full replacement of your roof as a result of damage from straight-line winds, hail, tornadoes and even snow storms. Replacement cost coverage avoids depreciation and helps lower your direct costs.
Need Help Exploring Home and Auto Coverage in Indiana? Call Us Today
At SelectQuote, we’re here to help you find affordable coverage to protect what matters most to you. In as little as 15 minutes, we’ll compare plans from trusted carriers to find you a low rate that meets your needs. +Average rates calculated are based on effective SelectQuote customer policies in Indiana between 4/1/2022 and 3/31/2023. Rates will vary based on level of coverage, location, age, and additional determining factors.We do the shopping. You do the saving.
