Alabama vs Indiana Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Indiana is $360/yr cheaper on average.

Fewer Uninsured

Indiana has a lower uninsured rate (14.0% vs 18.0%).

Rate & Coverage Comparison

Attribute	Alabama	Indiana
Avg Annual Premium	$1,890	$1,530
Min Liability	$620	$500
Full Coverage	$1,890	$1,530
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	18.0%	14.0%
Registered Vehicles	4,119,679	5,564,520
Accidents/Year	61,795	83,467
Population	5,024,000	6,786,000

Minimum Coverage Requirements

Alabama

25/50 / 25 liability

Indiana

25/50 / 25 liability

Premium Comparison

Alabama$620 – $1,890

Liability: $620Avg: $1,890Full: $1,890

Indiana$500 – $1,530

Liability: $500Avg: $1,530Full: $1,530

AlabamaFull rates, age breakdown, requirements →IndianaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Alabama or Indiana?

Indiana has cheaper car insurance, with an average annual premium of $1,530 compared to $1,890 in Alabama - a difference of $360 per year.

How do Alabama and Indiana compare on fault systems?

Alabama uses a at-fault (tort) system while Indiana uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Alabama vs Indiana?

Alabama requires 25/50 / 25 liability. Indiana requires 25/50 / 25 liability. Minimum liability costs $620/yr in Alabama and $500/yr in Indiana.

Which state has more uninsured drivers, Alabama or Indiana?

Alabama has a higher uninsured driver rate at 18.0%, compared to 14.0% in Indiana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Alabama vs Indiana insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Alabama

Indiana

Avg Annual Premium

$1,890

$1,530

Min Liability

$620

$500

Full Coverage

$1,890

$1,530

Fault System

At-Fault (Tort)

Uninsured Rate

18.0%

14.0%

Registered Vehicles

4,119,679

5,564,520

Accidents/Year

61,795

83,467

Population

5,024,000

6,786,000