How Cities in Indiana Ranked Based on Car Insurance Costs

In this study we explored the Hoosier State to see which city or town had the least expensive auto insurance. Our analysis found a statewide average premium of $1,365 for our sample driver. The most expensive city was Gary where premiums were 53% greater than the state average and the least expensive was Lafayette, where premiums were 14% less than the state average. 

Table of Contents 

Least Expensive Cities

Indiana's least expensive cites are located generally in the center of the state, not too far away from Indianapolis. With populations between 14,000 and 70,000 they range from small towns to small cities. Premiums fluctuated between 14% and 12% less than the state average. 

Graph showing how the top five least expensive cities in Indiana for auto insurance stack up


Lafayette is a city in Tippecanoe County, and the least expensive city in our study. The town of 70,000 is home to Purdue University. Our driver was given a yearly premium of $1,178. 


Located north of Indianapolis is Nobelsville, the second least expensive city in our study. One of the fastest growing cities in Indiana, the population has increased by over 80% since 2000, today hosting over 52,000 residents. Our driver was quoted $1,181 per year. 


Zionsville is a small town outside of Indianapolis and the third least expensive place in the state. The town only has about 15,000 residents but promotes itself as a tourist attraction due to its rustic, village styled downtown area. Our driver was given a yearly premium 13% less than the state average.


Westfield, the small city of 32,000 is the fourth least expensive spot in Indiana. Our driver from the city only 20 miles from Indianapolis was quoted $1,198 per year, 12% less than the state average. 


Located on the state's eastern border, Richmond is Indiana's fifth least expensive city for insurance. The small city of about 36,000 residents boasts a rich history and has twice won the All America City award. Our driver received a yearly premium of $1,201. 

Most Expensive Cities

The most expensive cities could all be visited in a less than hour car drive. They reside on the fringes of the Chicago metropolitan area, but resemble the least expensive cities in terms of demographics and size. Prices ranged from 53% to 17% more expensive than the state average. 

Graph showing how the top five most expensive cities in Indiana for auto insurance stack up


Gary of Lake County is the ninth largest city in Indiana, but the most expensive in our study. With nearly 80,000 residents, the city is known for its large steel mills. Our driver was quoted $2,092 per year, a full 53% more than the state average. 

East Chicago

Another steel city from Lake County, East Chicago is the second most expensive in our study. Our driver from the town had an average premium of $1,981 per year, about 45% more than the state average. 


Hammond is largest city in Lake County, and the third most expensive in our ranking. Many of its single properties and national historic districts are listed on the National Register of Historic Places. Our driver had a yearly premium of $1,917. 


Munster, the town of three lakes, is the fourth entrant from Lake County as well as the fourth most expensive in our ranking. Our driver from the town of 23,000 was quoted $1,616 per year. Significantly cheaper than Gary, but still 18% more than the state average. 


Highland is the name of three towns in Indiana. The Highland in this case is of Lake County, and it is the fifth most expensive city on our list.  Our driver received a premium of $1,597 per year.

How Cost Differs by Place In Indiana

In this study we analyzed 50 cities and towns across Indiana where we found a statewide average of $1,365 per year -- based on our sample driver. The least expensive cities came from the surrounding Indianapolis area despite the city itself being the 7th most expensive in the ranking. The most expensive cities all came from Lake County in the Chicago Metropolitan area. 

Ranking City Average Premium Percent Difference From Average 
1 Lafayette $1,178 -14%
2 Noblesville $1,181 -13%
3 Zionsville $1,197 -12%
4 Westfield $1,198 -12%
5 Richmond $1,201 -12%
6 Carmel $1,201 -12%
7 Brownsburg $1,201 -12%
8 Fishers $1,204 -12%
9 West Lafayette $1,206 -12%
10 Shelbyville $1,206 -12%
11 Plainfield $1,211 -11%
12 Bloomington $1,227 -10%
13 Muncie $1,230 -10%
14 Franklin $1,233 -10%
15 Goshen $1,237 -9%
16 Columbus $1,241 -9%
17 Greenfield $1,241 -9%
18 Greenwood $1,242 -9%
19 New Castle $1,256 -8%
20 Huntington $1,261 -8%
21 Fort Wayne $1,274 -7%
22 Marion $1,274 -7%
23 South Bend $1,275 -7%
24 Elkhart $1,283 -6%
25 Mishawaka $1,303 -5%
26 Vincennes $1,311 -4%
27 Seymour $1,320 -3%
28 Kokomo $1,322 -3%
29 Anderson $1,346 -1%
30 Terre Haute $1,348 -1%
31 Logansport $1,351 -1%
Average  $1,365 0%
32 New Albany $1,370 0%
33 La Porte $1,383 1%
34 Clarksville $1,398 2%
35 Jeffersonville $1,400 3%
36 Valparaiso $1,402 3%
37 Crown Point $1,409 3%
38 Evansville $1,417 4%
39 Portage $1,429 5%
40 Schererville $1,455 7%
41 Michigan City $1,461 7%
42 Lawrence $1,481 9%
43 Indianapolis $1,538 13%
44 Merrillville $1,567 15%
45 Hobart $1,593 17%
46 Highland $1,597 17%
47 Munster $1,616 18%
48 Hammond $1,917 40%
49 East Chicago $1,981 45%
50 Gary $2,092 53%

How We Conducted This Study

We collected quotes from a variety of insurance companies across 50 towns and cities in Indiana.  Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in Indiana. The amount of coverage we opted for gave our driver bit more than what is required of state minimums. Below you can see the state required limits as well as the coverage used in our study.

Coverage TypeIndiana MinimumStudy Limits 
Bodily Liability  $25,000 per person / $50,000 per accident   $50,000 per person/ $100,000 per accident
Property Damage  $25,000 per accident  $50,000 per accident 
Uninsured/Underinsured Motorist BI $25,000 per person /$50,000 per accident $50,000 per person/ $100,000 per accident 
Uninsured/Underinsured Motorist Property 
$25,000 per accident
$50,000 per accident 
Comprehensive & Collision None  $500 Deductible 

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