The interactions of CO2 with indium metal electrodes have been characterized for electrochemical formate production. The electrode oxidation state, morphology, and voltammetric behaviors were systematically probed. It was found that an anodized indium electrode stabilized formate production over time compared to etched indium electrodes and indium electrodes bearing a native oxide in applied potential range of -1.4 to -1.8 V vs SCE. In addition, it was observed that formate is the major product at unprecedentedly low overpotentials at the anodized surface. A surface hydroxide species was observed suggesting a mechanism of formate production that involves insertion of CO2 at the indium interface to form an electroactive surface bicarbonate species.