Cheapest Auto Insurance in Indiana (2025)
Auto-Owners offers the cheapest car insurance quotes in Indiana, starting at $27 per month.
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Elizabeth Rivelli
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Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
- Cheapest car insurance companies in IN
- Get cheap insurance in IN
- Liability-only car insurance in IN
- Full-coverage car insurance in IN
- IN car insurance requirements
- Car insurance quotes by history
- Car insurance quotes for seniors
- Car insurance quotes for teens
- Car insurance quotes by credit tier
- FAQs
Table of contents
Good news for Indiana drivers: The rate you pay for car insurance is far below the national average. The monthly average rate for liability and full-coverage car insurance in Indiana is $74 and $142, respectively. In comparison, the U.S. national average for liability insurance is $105 per month, and $195 per month for full-coverage premiums.
Car insurance rates are cheaper in Indiana partly because the state has a relatively low population density, and less traffic congestion leads to lower accident frequency and severity.[1] But securing your own cheap quotes isn’t guaranteed. It depends on your driving record, age, gender, vehicle type, and more.
Here’s how to find affordable car insurance in Indiana.
Quick Facts
Auto-Owners, State Farm, and USAA offer the lowest car insurance quotes in Indiana.
Full-coverage car insurance costs Indiana drivers an average of $1,706 per year.
Indiana drivers must carry at least 25/50/25 in liability insurance.
7 of the cheapest car insurance companies in Indiana
Comparing several insurers based on factors like coverage options, discounts, and price is the best way to find the right car insurance policy for you. The three companies listed in the table below are among the leaders in the Hoosier State. Keep them in mind as you begin your search.
 |  |  |  |  |  |  |
|---|---|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $43/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $46/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $163/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $80/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $89/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $93/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $145/mo* |
Overall rating 4.1 | Overall rating 4.9 | Overall rating 4.0 | Overall rating 3.4 | Overall rating 3.9 | Overall rating 4.5 | Overall rating 3.6 |
Value for money 3.9/5 | Value for money 4.9/5 | Value for money 3.8/5 | Value for money 3.4/5 | Value for money 3.7/5 | Value for money 4.6/5 | Value for money 3.4/5 |
Customer service 4.1/5 | Customer service 4.7/5 | Customer service 3.9/5 | Customer service 3.4/5 | Customer service 3.8/5 | Customer service 4.4/5 | Customer service 3.4/5 |
Claims handling 4.1/5 | Claims handling 4.9/5 | Claims handling 4.1/5 | Claims handling 3.5/5 | Claims handling 4.1/5 | Claims handling 4.5/5 | Claims handling 3.6/5 |
Special highlight Customer serviceAI-generated from 6013 user reviews | Special highlight Members of the military communityAI-generated from 1187 user reviews | Special highlight Teen driversAI-generated from 6418 user reviews | Special highlight Competitive ratesAI-generated from 6877 user reviews | Special highlight Bundling discountsAI-generated from 1173 user reviews | Special highlight AAA membersAI-generated from 670 user reviews | Special highlight Numerous discountsAI-generated from 1727 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $29/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $57/mo |
4.1
Best choiceBased on 11,175 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,013)
Shawna
May 30, 2025
Verified Review
No
Started good, then raised the rates.
James
May 29, 2025
Verified Review
Excellent
I've been with them for over 30 years. However, the cost has tripled in the last 5 years.
Vicki
May 29, 2025
Verified Review
State Farm Review
In comparison to other companies so far, State Farm is the best for pricing of coverage. I have not used any services yet.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers some of the lowest rates in Indiana, and J.D. Power consistently rates it highly for customer and claims satisfaction. In addition to standard car insurance, the company offers insurance for boats, motorcycles, RVs, and classic cars. You can also get rideshare insurance if you drive for a rideshare company like Uber or Lyft.
Pros
Largest U.S. auto insurer by market share
Discounts for accident-free drivers, loyal customers, good students, and more
Above-average J.D. Power customer satisfaction rating in the Midwest Region
Cons
Higher rates than some competitors
Gap insurance only available to drivers who take out a loan through State Farm Bank
Accident forgiveness coverage restricted to long-time customers
USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $31/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $60/mo |
4.9
Best choiceBased on 2,084 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,187)
Alberta
May 28, 2025
Verified Review
Excellent
It is good, just looking for a cheaper rate.
Tracey
May 28, 2025
Verified Review
USAA Auto Insurance Review
Very high priced, but good coverage.
Bobby
May 25, 2025
Verified Review
USAA Review
Difficult to reach.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA could be a good choice for the more than 409,000 Indiana drivers with a military affiliation. In addition to offering competitive rates, the company offers multiple insurance products and is a full-service financial institution. Members of the military community can score unique discounts, such as a discount of up to 15% for garaging their car on base.
Pros
Savings of up to 30% via SafePilot safe driving telematics program
AM Best financial strength rating of A++ (Superior)
Consistently rated highly by J.D. Power in customer and claims satisfaction
Cons
Only available to members of the military community
No 24/7 live customer support
No local office locations in Indiana
GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $148/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $178/mo |
4.0
Best choiceBased on 11,924 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,418)
Bonnie
June 2, 2025
Verified Review
Good. No issues
I enjoy being with the company.
Annette
June 2, 2025
Verified Review
Better than what I recently changed to, going back
They have always been ready to help. Ready to go back for sure.
Richard
June 1, 2025
Verified Review
Price Increases
The rates keep going up even though there have been no incidents.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers competitive rates in Indiana, but Indiana drivers who want to save even more on a car insurance policy should look to GEICO for its many discounts. Drivers can save with discounts for having safety devices in their vehicles, safe driving, being a loyal customer, insuring multiple vehicles, and more.
Pros
Robust mobile app
Competitive rates in Indiana
Numerous available discounts
Cons
Limited endorsement options compared to competitors
Doesn’t offer rideshare insurance
Below-average J.D. Power customer satisfaction rating in the Midwest Region
How to get the cheapest car insurance in Indiana
The rate you pay for car insurance depends on your age, gender, credit history, driving history, location, and more. Some of these factors are outside of your control, but here are some ways you can reduce your car insurance rates:
Look for discounts. Most car insurance companies offer discounts that can reduce your premium. Before signing a policy, be sure to contact the insurer to learn what discounts you may be eligible for. You may uncover more options than you expect.
Bundle your policies. You can often qualify for savings when you bundle two or more insurance policies from the same company. Bundle your car insurance with your renters insurance or homeowners insurance and see how much you can save.
Choose higher deductibles. Choosing a higher deductible often lowers your premium because you’re taking on more of the risk yourself. If you opt for a higher deductible, just be sure it isn’t so high you can’t afford to pay it if you need to file a claim.
Shop around. Before you purchase car insurance, shop around and compare rates from several different insurance companies. Comparing rates will help you find the most affordable policy for your situation.
Low-cost car insurance in Indiana
Indiana doesn’t offer a low-income insurance program to place drivers with affordable car insurance policies based on income. If you’re looking to lower your car insurance costs, consider comparing quotes from three to five car insurance companies every six months, especially at policy renewal, to make sure you’re always getting the best deal available.
Find Cheap Car Insurance in Indiana
Liability rates start at $27 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance quotes in Indiana: Auto-Owners
Liability-only insurance covers your financial responsibilities when you cause an accident. Specifically, it covers the other party’s injuries and property damage, up to your policy’s limit. Liability-only insurance doesn’t provide any coverage for your vehicle or the medical bills for you or your passengers.
Liability insurance in Indiana costs an average of $74 per month.
The table below shows the cheapest car insurance companies in Indiana for liability-only insurance.
The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $27 |
| State Farm | $29 |
| USAA | $31 |
| American Family | $43 |
| Clearcover | $49 |
| Progressive | $54 |
| Travelers | $57 |
| Farmers | $60 |
| Direct Auto | $62 |
| CSAA | $68 |
| Allstate | $68 |
| Root | $69 |
| Nationwide | $75 |
| Dairyland | $78 |
| The General | $79 |
| Safeco | $81 |
| Bristol West | $83 |
| Hugo | $89 |
| Elephant | $90 |
| GAINSCO | $93 |
| Liberty Mutual | $95 |
| National General | $103 |
| AssuranceAmerica | $105 |
| State Auto | $142 |
| Foremost | $154 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes in Indiana: Auto-Owners
Full-coverage car insurance provides more protection than liability-only insurance. A full-coverage policy typically includes liability insurance, collision insurance, and comprehensive insurance. While full coverage is optional for most drivers, lenders commonly require it if you lease or finance your vehicle.
Indiana drivers pay a monthly average of $142 for full-coverage insurance.
Below, you can see average full-coverage rates available from several top Indiana insurers.
The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $54 |
| State Farm | $57 |
| USAA | $60 |
| American Family | $84 |
| Clearcover | $94 |
| Progressive | $106 |
| Travelers | $113 |
| Root | $117 |
| CSAA | $118 |
| Farmers | $118 |
| Direct Auto | $123 |
| Safeco | $131 |
| Allstate | $134 |
| Elephant | $140 |
| Nationwide | $147 |
| The General | $166 |
| National General | $174 |
| Bristol West | $182 |
| Liberty Mutual | $194 |
| AssuranceAmerica | $195 |
| Dairyland | $206 |
| GAINSCO | $220 |
| State Auto | $280 |
| Foremost | $304 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent car insurance quotes in Indiana
Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $42/mo for full coverage in Indiana.
*Quotes generated for Insurify users within the last 10 days. Last updated on June 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on June 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Indiana
Car insurance is a legal requirement in Indiana, and you must carry a minimum amount of coverage to register and drive your car. Indiana requires drivers to carry at least 25/50/25 in personal liability insurance, and you can see what’s included in those requirements in the table below.[2]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 for one person’s injuries in an accident / $50,000 for all injuries in an accident |
| Property damage liability | $25,000 for all property damage in an accident |
While state law requires drivers to have at least minimum coverage, you may seek to enhance your insurance with optional coverages like the following:
Gap insurance
If you lease or finance your vehicle and it gets totaled, gap insurance will cover the difference between the car’s diminished value and the amount you still owe. This endorsement is beneficial if you have negative equity in the car.
Roadside assistance
Roadside assistance covers the cost of some basic roadside vehicle services, such as flat-tire changes, fuel delivery, battery replacements, and towing up to a certain distance.
Accident forgiveness
Accident forgiveness coverage waives your first at-fault accident so it doesn’t increase your premium. Many insurers only offer accident forgiveness to drivers who have been claim-free or violation-free for a certain length of time.
Indiana Auto Insurance Plan
If you’re unable to get car insurance through the voluntary marketplace, you can apply for coverage through the Indiana Auto Insurance Plan. This plan is exclusively available to high-risk drivers who’ve been denied car insurance because of certain risk factors — such their driving record due to major infractions, like a DUI conviction.
Cheapest car insurance companies in Indiana for drivers with an incident
Indiana drivers with incidents on their record, such as speeding tickets and at-fault accidents, often pay higher rates for car insurance than people with a clean record for at least three years following the infraction. More serious violations, like driving under the influence (DUI), usually have the biggest effect on car insurance rates and can cause insurers to drop you altogether, even cancelling your policy mid-term.
In the sections that follow, you’ll see how different incidents affect your car insurance rates.
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Read More: SR-22 Companies in Indiana
Cheapest car insurance quotes for drivers with a speeding ticket: Auto-Owners
Getting pulled over for speeding might seem like a harmless offense, but it can cause your car insurance premiums to go up for at least three years via a surcharge added to your bill. The average cost of car insurance for drivers with a speeding ticket in Indiana is $203 per month for full-coverage insurance and $106 for liability-only insurance.
Here, you can see how liability rates from different insurers compare for drivers with clean records and drivers with a speeding ticket.
The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT.
Insurance Company | Avg. Quote With Clean Driving Record | Avg. Quote With Speeding Ticket |
|---|---|---|
| Auto-Owners | $27 | $36 |
| State Farm | $29 | $38 |
| USAA | $31 | $41 |
| American Family | $43 | $57 |
| Clearcover | $49 | $66 |
| Progressive | $54 | $72 |
| Travelers | $57 | $76 |
| Farmers | $60 | $79 |
| Direct Auto | $62 | $83 |
| CSAA | $68 | $91 |
| Allstate | $68 | $90 |
| Root | $69 | $100 |
| Nationwide | $75 | $100 |
| Dairyland | $78 | $103 |
| The General | $79 | $109 |
| Safeco | $81 | $110 |
| Bristol West | $83 | $111 |
| Hugo | $89 | $116 |
| Elephant | $90 | $118 |
| GAINSCO | $93 | $130 |
| Liberty Mutual | $95 | $133 |
| National General | $103 | $136 |
| AssuranceAmerica | $105 | $136 |
| State Auto | $142 | $190 |
| Foremost | $154 | $216 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for drivers with an at-fault accident: Auto-Owners
If you cause an accident, your car insurance premium will probably go up for several years, unless you added accident forgiveness to your policy. Your premium may even increase after a not-at-fault collision, depending on your insurer. This is because insurers see your involvement in an accident as an indication you’re more likely to be involved in another accident in the future.
Indiana drivers with an accident on their record pay an average of $105 per month for liability coverage and $202 for full coverage.
Here, you can see the cheapest liability-only rates for drivers in Indiana with an at-fault accident on their record.
The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT.
Insurance Company | Avg. Quote With Clean Driving Record | Avg. Quote With Accident |
|---|---|---|
| Auto-Owners | $27 | $37 |
| State Farm | $29 | $39 |
| USAA | $31 | $42 |
| American Family | $43 | $58 |
| Clearcover | $49 | $73 |
| Progressive | $54 | $75 |
| Travelers | $57 | $77 |
| Farmers | $60 | $81 |
| Direct Auto | $62 | $85 |
| CSAA | $68 | $96 |
| Allstate | $68 | $91 |
| Root | $69 | $101 |
| Nationwide | $75 | $102 |
| Dairyland | $78 | $105 |
| The General | $79 | $109 |
| Safeco | $81 | $114 |
| Bristol West | $83 | $112 |
| Hugo | $89 | $126 |
| Elephant | $90 | $121 |
| GAINSCO | $93 | $121 |
| Liberty Mutual | $95 | $135 |
| National General | $103 | $137 |
| AssuranceAmerica | $105 | $136 |
| State Auto | $142 | $194 |
| Foremost | $154 | $218 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for drivers with a DUI: Auto-Owners
Driving under the influence is one of the most serious violations you can have on your record. If you’ve been convicted of a DUI, your car insurance premium will increase significantly and a DUI conviction can stay on your driving record for 5–10 years. In some cases, your insurer may drop you altogether.
The average rate for liability coverage for drivers with a DUI in Indiana is $120 per month, and the average full-coverage rate is $230 per month.
In the table below, you can see how having a DUI on your record affects your car insurance rates in Indiana.
The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT.
Insurance Company | Avg. Quote With Clean Driving Record | Avg. Quote With DUI |
|---|---|---|
| Auto-Owners | $27 | $44 |
| State Farm | $29 | $47 |
| USAA | $31 | $50 |
| American Family | $43 | $70 |
| Clearcover | $49 | $79 |
| Progressive | $54 | $87 |
| Travelers | $57 | $92 |
| Farmers | $60 | $97 |
| Direct Auto | $62 | $100 |
| CSAA | $68 | $110 |
| Allstate | $68 | $110 |
| Root | $69 | $103 |
| Nationwide | $75 | $121 |
| Dairyland | $78 | $126 |
| The General | $79 | $128 |
| Safeco | $81 | $128 |
| Bristol West | $83 | $134 |
| Hugo | $89 | $144 |
| Elephant | $90 | $146 |
| GAINSCO | $93 | $150 |
| Liberty Mutual | $95 | $154 |
| National General | $103 | $167 |
| AssuranceAmerica | $105 | $170 |
| State Auto | $142 | $230 |
| Foremost | $154 | $249 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for seniors: Auto-Owners
For most drivers, car insurance rates decrease around age 25 and increase again at age 70. Senior drivers are more likely to experience age-related vision, mobility, and other health changes that can increase the risk of a collision. In addition, the risk of being severely injured in a car accident increases with age.
Senior drivers in Indiana pay an average of $56 per month for liability-only policies.
Below, you can see the cheapest car insurance companies for seniors in Indiana.
The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $20 | $41 |
| State Farm | $21 | $42 |
| USAA | $24 | $46 |
| American Family | $32 | $63 |
| Progressive | $37 | $72 |
| Clearcover | $41 | $78 |
| Travelers | $42 | $84 |
| Farmers | $44 | $87 |
| Direct Auto | $46 | $91 |
| CSAA | $50 | $87 |
| Allstate | $52 | $102 |
| Nationwide | $53 | $104 |
| Root | $56 | $96 |
| The General | $60 | $127 |
| Dairyland | $60 | $158 |
| Bristol West | $64 | $140 |
| Safeco | $66 | $107 |
| Elephant | $68 | $105 |
| GAINSCO | $74 | $174 |
| National General | $75 | $126 |
| Liberty Mutual | $75 | $154 |
| AssuranceAmerica | $77 | $143 |
| State Auto | $103 | $203 |
| Foremost | $119 | $234 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for teens: Auto-Owners
Teen drivers typically pay some of the highest rates for car insurance. This is because data shows that young drivers ages 16–19 have a higher accident rate than drivers in any other age group.[3] Teen drivers are also more likely to make critical driving errors that can cause serious accidents, such as distracted driving.
Liability-only insurance for Indiana teens costs an average of $141 per month, and full-coverage insurance costs $270 per month.
While it’s difficult for teens to avoid high car insurance rates, they can lower their car insurance premiums in a few ways. For example, staying insured on a parent’s policy is usually much cheaper than getting an individual policy. You can also look for car insurance companies that offer smart student discounts or safe driver discount programs. Although if you’re a minor teen, you’ll need the written consent of a parent or guardian in order to purchase an auto insurance policy.
The table below shows the cheapest car insurance companies for teens in Indiana with their own insurance policies.
The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $48 | $96 |
| State Farm | $55 | $107 |
| USAA | $57 | $110 |
| American Family | $80 | $156 |
| Clearcover | $96 | $184 |
| Progressive | $101 | $199 |
| Root | $112 | $191 |
| Travelers | $112 | $221 |
| Farmers | $113 | $223 |
| CSAA | $117 | $203 |
| Direct Auto | $123 | $244 |
| Dairyland | $132 | $348 |
| Allstate | $133 | $262 |
| The General | $135 | $283 |
| Nationwide | $144 | $283 |
| Bristol West | $150 | $330 |
| Elephant | $160 | $249 |
| Safeco | $168 | $271 |
| Liberty Mutual | $173 | $352 |
| GAINSCO | $174 | $411 |
| AssuranceAmerica | $204 | $379 |
| National General | $212 | $358 |
| Foremost | $294 | $580 |
| State Auto | $339 | $669 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Indiana
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Indiana car insurance quotes by credit tier
In Indiana, car insurance companies are allowed to consider your credit history when calculating your insurance premium. Statistically, drivers with poor credit-based insurance scores are more likely to file insurance claims, so they pay higher insurance rates than drivers with good insurance scores.
Below, you can see the average monthly car insurance premium for Indiana drivers in different credit tiers.
Car Insurance Quotes by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance rates across Indiana cities
Indiana car insurance companies take into account your particular location, down to your city and ZIP code, when setting your car insurance rates. That’s because where you live influences your likelihood of filing a claim based on factors like vehicle crime rates, weather patterns, and traffic rates. This is why car insurance rates in Indiana vary widely based on your city. Check out the table below to see the average car insurance rates for cities across Indiana.
- CityAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Elkhart $126 $66 Evansville $145 $77 Fort Wayne $142 $76 Indianapolis $167 $88 Lafayette $129 $70 South Bend $135 $69 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Indiana car insurance FAQs
If you’re looking for more information to help you find affordable car insurance in Indiana, check out the answers to the frequently asked questions below.
How much is car insurance in Indiana?
Car insurance in Indiana costs an average of $74 per month for liability coverage and $142 per month for full coverage, according to Insurify data. These rates are well below the national average.
Which companies have the cheapest car insurance in Indiana?
Auto-Owners offers the cheapest car insurance in Indiana, with rates starting at $27 per month. State Farm and USAA also offer cheap rates in Indiana. Their minimum-coverage policies start at $29 and $31 per month, respectively.
What’s the cheapest type of car insurance in Indiana?
Liability car insurance is the cheapest car insurance in Indiana. This coverage meets minimum state requirements and covers the other party’s injuries and property damage in an accident you cause. But it doesn’t cover your own losses.
What are the minimum car insurance requirements in Indiana?
Indiana requires drivers to carry at least 25/50/25 in personal liability insurance. This includes bodily injury liability coverage of $25,000 for one person’s injuries in an accident and $50,000 for all injuries in an accident. You must also carry $25,000 in property damage liability.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Indiana Bureau of Motor Vehicles. "Insurance Requirements."
- Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
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