Cost Per Mile to Operate a Truck in Indiana (2026)
What it actually costs owner-operators to run a semi-truck in Indiana — diesel, insurance, IFTA, and freight market notes for IN.
Diesel prices in Indiana
The average diesel price in Indiana is roughly $3.75/gal. For a truck running 8,000 miles/month at 6.5 MPG, that's about $4,615/month in fuel alone — or roughly $0.58/mile. Fuel is typically 30–40% of total cost per mile, so Indiana's diesel price has a major impact on whether a load is profitable.
Trucking insurance in Indiana
Indiana insurance averages $10,000–$13,500/yr. Annual premiums vary widely based on CDL history, equipment age, and operating radius.
IN IFTA and fuel taxes
Indiana IFTA fuel tax: 57¢/gal diesel. File quarterly and keep accurate trip mileage records by jurisdiction to stay compliant.
Freight market in Indiana
Indianapolis is the 'crossroads of America' — strong manufacturing and FedEx Express hub.
How to lower your cost per mile in Indiana
- Track diesel by region — refuel where the all-in price (pump + state tax) is lowest.
- Negotiate fuel surcharge into every contract using a clear formula tied to the DOE index.
- Reduce deadhead — a 20% deadhead ratio adds 25% to your effective cost per loaded mile.
- Run our Cost Per Mile Calculator monthly with real receipts, not estimates.