Indiana Homeowners Pay Some of the Lowest Insurance Costs In The Country

"Indiana homeowners benefit from some of the lowest homeowners insurance premiums in the nation. While premiums are rising across climate-vulnerable states such as Florida, Louisiana, and California, new data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report shows that Indiana households continue to enjoy relative affordability. According to newly released American Community Survey (ACS) data from the U.S. Census Bureau, Indiana homeowners with a mortgage typically pay $1,000-$1,499 annually for homeowners insurance, while those without a mortgage also average $1,000-$1,499."

"Indiana has 1,962,896 insured homeowner households in total-1,225,914 with a mortgage and 736,982 without. Among mortgaged owners, 139,014 pay less than $100 annually and 38,636 pay $4,000 or more. Among those without a mortgage, 138,307 pay less than $100 and 20,789 pay $4,000 or more. Compared with nearby states, Indiana sits on the affordable end. Illinois homeowners also average $1,000-$1,499, with similar splits between mortgaged and non-mortgaged households."

Indiana homeowners generally face affordable homeowners insurance costs, with typical annual premiums falling in the $1,000–$1,499 range for both mortgaged and non-mortgaged owners. The state contains 1,962,896 insured homeowner households, including 1,225,914 with a mortgage and 736,982 without. Small shares of homeowners pay very low or very high amounts: among mortgaged owners 139,014 pay under $100 and 38,636 pay $4,000 or more, while among non-mortgaged owners 138,307 pay under $100 and 20,789 pay $4,000 or more. Nearby states show similar or slightly varied averages, while premiums rise in climate-vulnerable states like Florida, Louisiana, and California.

Read at SFGATE