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insurance in indiana

Finding home and auto insurance in Indiana — what you need to know

Buying home insurance or car insurance in Indiana doesn’t have to be complicated. Here, we cover common questions about the cost of insurance, popular insurance companies, and a quick overview of insurance laws and requirements in Indiana.

Fast facts about Indiana insurance

meeting with insurance agent in indiana

Top insurance companies in Indiana

Home insurance

  • Branch
  • Travelers
  • Berkshire Hathaway GUARD
  • National General
  • CSAA
  • Stillwater
  • Safeco

Auto insurance

  • Branch
  • Travelers
  • Progressive / ASI
  • Clearcover
  • Safeco
  • National General
Average cost of home insurance in Indiana
$1,471 per year
Average home insurance Coverage A in Indiana
Average home insurance deductible in Indiana
Average cost of car insurance in Indiana
$1,733 per year
Average car insurance deductible in Indiana
$185 per term

Indiana insurance requirements

Home insurance

Indiana law doesn’t require home insurance, but the majority of home lenders will require it to get a mortgage. A standard homeowners insurance policy usually includes:

  • Structural coverage — Also known as dwelling coverage, structural coverage protects the primary physical structure of your home.
  • Personal property coverage — This coverage will help replace belongings such as furniture and electronics in the event of a covered loss.
  • Liability coverage — Personal liability coverage protects against medical and legal fees incurred by guests and visitors injured at your home.
  • Additional living expenses — Home insurance generally pays for living expenses — like a hotel or rent — if you’re displaced from your home after a covered event.
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Car insurance

If you live in Indiana, you’re required to carry car insurance to operate a vehicle. Specifically, the state requires drivers to have a minimum amount of liability coverage, which protects you if you are found to be at fault in an accident. It typically covers damage to objects and other vehicles besides your own (known as property damage liability), and injuries to other drivers and passengers they have in their car (known as bodily injury liability).

Minimum bodily injury requirements

  • $25,000 per person
  • $50,000 per accident

Minimum property damage requirements

  • $25,000 per accident

Additionally, there are optional auto insurance coverages which can provide more complete protection. Learn more about auto insurance coverage here.

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blue icon happy customersThousands of
happy customers

orange icon google reviews4.8 stars
on Google

green icon average savings$608 average savings
for Indiana customers

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Why customers in Indiana choose Matic

  • Shop how you want: Compare rates from 40+ carriers, then buy your policy online or talk to one of Matic’s licensed insurance advisors.
  • Get double support: In addition to your carrier, Matic is an extra insurance advocate there to help you navigate your policy.
  • Skip the extra fees: Because we integrate with carrier platforms, you’ll pay the same price for your policy with Matic as you would by going to the carrier directly.
  • Protect your future: As a Matic customer, you can rely on a network of 40+ carriers to help find a better option if your situation changes in the future.
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How to buy insurance in Indiana

Answer a few questions.

Fill out a single online form to get matched with quotes in just a few minutes.

See your initial estimates.

Review free quotes with the best prices and coverage options for you.

Buy online or talk to a licensed advisor.

Purchase your policy online or over the phone with a licensed Matic advisor.

Pro tip: Our insurance advisors will dig even deeper to unpack more options for you, like carrier discounts, bundling, and more. If you don’t see what you like online, take a few minutes and talk to us!

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Methodology: Home and auto insurance premiums, Coverage A, and customer savings data is based on an average from a subset of Matic customers within the referenced US state and external carrier filings.