Indiana auto insurance averages - $926.42 per year in 2023, ranked #43 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Indiana sits below the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $926.42 ▲13.8% | $485 |
| 2022 | $814.11 ▲6.1% | $443 |
| 2021 | $767.14 ▼0.3% | $429 |
| 2020 | $769.45 ▼1.4% | $437 |
| 2019 | $780.69 | $448 |
Evidence lead: 2023 cost position
Indiana's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
2023 cost position
Indiana records $926.42 in 2023 average expenditure and ranks #43 of 51. This lowest-cost tier describes the statewide blend in the NAIC table, not the cheapest available policy. Individual premiums can still sit far above or below the state figure because the source is an aggregate market measure.
Year-by-year shape
Indiana has 2 declining annual steps and 2 rising steps in the four comparisons. The latest change is +13.8% from 2022 to 2023; the largest absolute step is +13.8% in 2023. The endpoint result should therefore be read as an uneven sequence, not a steady trend.
Coverage-component signature
Indiana's most distinctive 2023 component is liability: $485.00, or 27.2% below the 51-jurisdiction average of $666.04. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Five-year movement
Indiana's +18.7% endpoint change ranks #25 of 51. Its five-year movement is neither in the fastest nor slowest cohort in this release. This percentile-like position compares the same 2019 and 2023 expenditure fields for every jurisdiction rather than mixing carrier quotes or incompatible policy profiles.
Substantial registry context
Indiana's separate complaint layer covers 54 companies with 7,911 recorded complaints. That is #14 for company breadth and #14 for record count across 51 jurisdictions—an upper-middle registry footprint. The totals are coverage denominators, not quality grades, and they are deliberately excluded from the state's expenditure calculation.
Nearest expenditure peers. By average expenditure, Indiana's closest peers in this dataset are North Carolina ($925.08) and Wisconsin ($921.55), both within a few dollars of Indiana's own $926.42.
Note on state comparisons: These averages reflect the mix of coverages purchased in Indiana, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
