Uninsured motorist coverage. Auto premiums are calculated using several factors the largest of which are the cost of insurance protection and the expenses of operating the insurance company. According to bankrate, indiana requires all drivers to carry liability coverage, uninsured motorist coverage, and underinsured motorist coverage. Besides age, location is another factor that significantly changes the average cost of car insurance in indiana. Interested in learning more about one of these indiana car insurance companies? Though the cheapest car insurance companies offer policies at nearly half that cost. Com used rates for major car insurance companies from quadrant information services for senior drivers in indiana. During the pandemic, there was less need for car insurance since people were not driving as much, but one still had to have car insurance if one had a car.