🏠 Home insurance cost in Indiana (2026)
The estimated average is $1,955 per year — below the national average (-15% vs. the U.S. average of $2,300).
Indiana is home to about 6.9 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Indianapolis typically differ from smaller towns.
Estimate your home insurance in Indiana
Indiana home insurance estimator
Starts from the Indiana average. Estimate only — get quotes to confirm.
Home insurance cost in Indiana cities
| City | Population | Est. home insurance |
|---|---|---|
| Indianapolis | 880,621 | $2,111 |
| Fort Wayne | 268,378 | $2,033 |
| Evansville | 116,486 | $1,955 |
| South Bend | 103,395 | $1,955 |
| Carmel | 99,757 | $1,877 |
| Bloomington | 79,968 | $1,877 |
Indiana home insurance FAQ
How much is home insurance in Indiana?
The estimated average home insurance in Indiana is $1,955 per year, which is below the national average (-15% vs. the U.S. average of $2,300). Indiana ranks 24 of 51 states from most to least expensive.
Why is home insurance cheaper in Indiana?
Home insurance pricing in Indiana reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Midwest.
How can I save on home insurance in Indiana?
Compare at least three quotes from insurers active in Indiana, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.