State risk profile
Indiana
AutoRiskIQ explains the location-level forces that influence auto insurance pressure across Indiana. Scores are informational and focus on relative risk, not individual outcomes.
Score status
46
/ 100
Percentile-based relative to national average.
Updated 2025-12-30.
Risk scale
Relative risk pressure levels used across AutoRiskIQ.
Risk readiness
Core risk signals for Indiana
Accident & Exposure Risk
Crash frequency is above the national distribution. Fatality severity is near the national midpoint. Traffic exposure is near the national midpoint.
Weather & Environmental Risk
Severe weather exposure is below the national distribution based on FEMA hazard signals.
Cost & Repair Pressure
Repair cost levels are below the national distribution, with inflation pressure near the national midpoint.
Claim Friction & Legal Context
Claim friction signals show complaint frequency is near the national midpoint, complaint severity is below the national distribution, litigation environment is above the national distribution.
Theft & Fraud Exposure
Vehicle theft rates are near the national midpoint.
Market Structure Context
Market structure signals show rate filing activity is above the national distribution, market concentration is below the national distribution.
Live traffic context
Active incident feeds in Indiana
State DOT 511 feeds offer a near-term view of disruptions that can raise short-term claim and repair pressure.
Counts reflect active incidents reported by public traffic systems, not a full crash census.
Risk spotlight
Accident & Exposure Risk in Indiana
We highlight the highest-pressure risk signal in Indiana and show the public inputs that drive the score.
68
/ 100
Crash frequency is above the national distribution. Fatality severity is near the national midpoint. Traffic exposure is near the national midpoint.
Accident frequency
Crashes per 100k residents with urban vs rural weighting and trend direction.
Sources: NHTSA (FARS), State DOT crash datasets
Accident severity
Fatal and serious injury weighting to capture loss severity pressure.
Sources: NHTSA fatal & injury stats, State injury severity data
Traffic density & congestion
Vehicle miles traveled per capita with congestion multipliers in metros.
Sources: FHWA VMT data, Metro congestion indices
Intersection risk density
Share of crashes occurring in top 5% of high-risk intersections.
Sources: Local DOT crash maps, Open crash GIS datasets
Premium pressure context
How premiums compare with risk in Indiana
This context index uses public NAIC average premium data to show how pricing pressure compares with the risk baseline. It is not a quote or a recommendation.
14
/ 100
Average combined premium: $1,032
Premium pressure sits below the current risk baseline, which can reflect competitive or timing effects.
Why this can happen
- Rate adjustments can lag current loss experience and risk shifts.
- Market structure and competition can push premiums above or below modeled risk.
- Repair costs, litigation pressure, or catastrophe load can amplify pricing beyond baseline risk signals.
State context
Data-backed context for Indiana
This section summarizes the strongest public signals behind the state score, highlights trend direction, and flags shifts in claim friction and repair pressure.
Leading signals
Accident & Exposure Risk
Crash frequency is above the national distribution. Fatality severity is near the national midpoint. Traffic exposure is near the national midpoint.
Market Structure Context
Market structure signals show rate filing activity is above the national distribution, market concentration is below the national distribution.
Theft & Fraud Exposure
Vehicle theft rates are near the national midpoint.