5+ years writing insurance and personal finance topics
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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.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Cheapest recent car insurance quotes in Indiana
Drivers in and around Indiana have found policies from GEICO, Dairyland, Bristol West, and more, through Insurify in the last few days.
*Quotes generated for Insurify users from Indiana within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Indiana within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Good news for Indiana drivers: The rate you pay for car insurance is far below the national average. The average rate for liability-only car insurance in Indiana is $72 per month, and the average rate for full coverage is $142 per month. The U.S. national average for liability insurance is $105 per month, and full coverage is $202 per month.
Car insurance rates could be cheaper in Indiana partly because the state has a relatively low population density and few uninsured drivers compared to other states.[1] But securing your own cheap quotes isn’t guaranteed. It depends on your driving record, age, gender, vehicle type, and more.
Auto-Owners, State Farm, and USAA offer the lowest car insurance quotes in Indiana.
Full-coverage car insurance costs Indiana drivers an average of $1,699 per year.
Indiana drivers must carry at least 25/50/25 in liability insurance.
3 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 state. Keep them in mind as you begin your search.
Insurance Company
▲▼
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.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
9.3
$57
$29
USAA
9.4
$61
$31
GEICO
9.0
$63
$32
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
State Farm
User Reviews
4.2
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
4.2
Best choiceBased on 9,253 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,087)
Phillip
December 22, 2024
Verified Review
Normal
Overall, it was good but the prices are getting higher.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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
Nation’s leading insurer, in terms of number of policies written
Discounts for accident-free drivers, loyal customers, good students, and more
Above-average J.D. Power customer satisfaction rating in Indiana
Cons
Few available add-on coverages
Gap insurance only available to drivers who take out a loan through State Farm Bank
Not as many available discounts as some insurers
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.
$61/mo
4.9
Best choiceBased on 1,647 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
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
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (941)
Robert
December 21, 2024
Verified Review
Too costly
USAA just became too expensive. Every six months, the cost increased without any rise in benefits. I had to find cheaper insurance.
Arlington
December 18, 2024
Verified Review
Mediocre
It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.
Peter
December 18, 2024
Verified Review
Not Happy with USAA
They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.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. Military members 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 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 eligible military personnel
No 24/7 live customer support
Few in-person branch locations
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.
9.0 /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.
$32/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.
$63/mo
4.0
Best choiceBased on 10,473 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,760)
Libby
December 22, 2024
Verified Review
An Insurance Company That Doesn't Care About Their Policy Holders
They don't contact you, they just increase the policy price. I have a 2022 Ford that I bought 18 months ago. It has 12,256 miles on it. They increased my insurance from $215 to $275 a month. I do have a speeding ticket and I backed into someone causing a quarter-sized dent on the fender. I'm 72 years old. My sister has two cars and her insurance isn't as high. When you're on a fixed income and also have to pay for a lot of medications, and they keep increasing the insurance, soon I won't be able to drive because I won't be able to afford the insurance.
Barbara
December 21, 2024
Verified Review
Poor Service and Refund Issue
The service was poor. I cancelled my policy and switched to another plan, but I'm still waiting for my $1200 refund. I'm not satisfied with their handling of this issue.
Rose
December 21, 2024
Verified Review
It's too expensive
I love GEICO, however, their prices are not compatible with my income.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.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
Below-average J.D. Power customer satisfaction rating in Indiana
Below-average J.D. Power claims satisfaction rating
How to get the cheapest car insurance in Indiana
The rate you pay for car insurance depends on your age, gender, 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 $72 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$27
State Farm
$29
USAA
$31
GEICO
$32
American Family
$43
Clearcover
$49
Progressive
$54
Travelers
$57
Farmers
$60
Direct Auto
$64
Root
$66
Allstate
$68
Dairyland
$72
Nationwide
$75
CSAA
$75
The General
$80
National General
$83
Safeco
$83
Bristol West
$84
Hugo
$87
Elephant
$87
Liberty Mutual
$90
GAINSCO
$91
Foremost
$113
AssuranceAmerica
$118
State Auto
$142
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, comprehensive insurance, and medical payments 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$54
State Farm
$57
USAA
$61
GEICO
$63
Clearcover
$81
American Family
$85
Root
$106
Progressive
$107
Travelers
$114
Farmers
$119
Direct Auto
$124
CSAA
$128
Allstate
$135
Elephant
$135
Safeco
$146
Nationwide
$149
National General
$161
Dairyland
$176
The General
$180
Bristol West
$189
Liberty Mutual
$198
AssuranceAmerica
$201
GAINSCO
$210
Foremost
$246
State Auto
$282
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 in and around Indiana have found policies from Liberty Mutual, Direct Auto, Safeco, and more, through Insurify in the last few days.
*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. 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 as their credit history or driving record.
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. 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.
In the sections that follow, you’ll see how different incidents affect your car insurance rates.
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. The average cost of car insurance for drivers with a speeding ticket in Indiana is $205 per month for full-coverage insurance and $104 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Avg. Quote With Clean Driving Record
▲▼
Avg. Quote With Speeding Ticket
▲▼
Auto-Owners
$27
$36
State Farm
$29
$38
USAA
$31
$41
GEICO
$32
$42
American Family
$43
$57
Clearcover
$49
$65
Progressive
$54
$71
Travelers
$57
$76
Farmers
$60
$79
Direct Auto
$64
$85
Root
$66
$94
Allstate
$68
$90
Dairyland
$72
$95
Nationwide
$75
$100
CSAA
$75
$101
The General
$80
$108
National General
$83
$110
Safeco
$83
$111
Bristol West
$84
$112
Hugo
$87
$113
Elephant
$87
$123
Liberty Mutual
$90
$128
GAINSCO
$91
$129
Foremost
$113
$160
AssuranceAmerica
$118
$155
State Auto
$142
$202
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, 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 $103 per month for liability coverage and $204 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Avg. Quote With Clean Driving Record
▲▼
Avg. Quote With Accident
▲▼
Auto-Owners
$27
$37
State Farm
$29
$39
USAA
$31
$42
GEICO
$32
$43
American Family
$43
$58
Clearcover
$49
$71
Progressive
$54
$74
Travelers
$57
$78
Farmers
$60
$81
Direct Auto
$64
$89
Root
$66
$96
Allstate
$68
$92
Dairyland
$72
$97
Nationwide
$75
$102
CSAA
$75
$105
The General
$80
$111
National General
$83
$112
Safeco
$83
$112
Bristol West
$84
$114
Hugo
$87
$125
Elephant
$87
$115
Liberty Mutual
$90
$130
GAINSCO
$91
$118
Foremost
$113
$163
AssuranceAmerica
$118
$156
State Auto
$142
$208
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. In some cases, your insurer may drop you altogether.
The average rate for liability coverage for drivers with a DUI in Indiana is $118 per month, and the average full-coverage rate is $232 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Avg. Quote With Clean Driving Record
▲▼
Avg. Quote With DUI
▲▼
Auto-Owners
$27
$44
State Farm
$29
$48
USAA
$31
$51
GEICO
$32
$53
American Family
$43
$71
Clearcover
$49
$80
Progressive
$54
$89
Travelers
$57
$94
Farmers
$60
$99
Direct Auto
$64
$105
Root
$66
$97
Allstate
$68
$112
Dairyland
$72
$118
Nationwide
$75
$123
CSAA
$75
$111
The General
$80
$131
National General
$83
$136
Safeco
$83
$123
Bristol West
$84
$138
Hugo
$87
$143
Elephant
$87
$143
Liberty Mutual
$90
$148
GAINSCO
$91
$149
Foremost
$113
$186
AssuranceAmerica
$118
$194
State Auto
$142
$233
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 35 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 $55 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Quote: Liability Only
▲▼
Average Quote: Full Coverage
▲▼
Auto-Owners
$20
$41
State Farm
$22
$42
GEICO
$24
$48
USAA
$24
$47
American Family
$32
$64
Progressive
$37
$74
Clearcover
$41
$68
Travelers
$43
$86
Farmers
$45
$89
Direct Auto
$48
$92
Allstate
$52
$104
Nationwide
$54
$107
Root
$54
$86
Dairyland
$55
$135
CSAA
$55
$94
National General
$61
$118
The General
$62
$140
Bristol West
$65
$146
Elephant
$68
$106
Safeco
$68
$120
Liberty Mutual
$72
$159
GAINSCO
$73
$169
AssuranceAmerica
$85
$145
Foremost
$87
$189
State Auto
$102
$202
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 $131 per month, and full-coverage insurance costs $258 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.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Quote: Liability Only
▲▼
Average Quote: Full Coverage
▲▼
Auto-Owners
$47
$94
State Farm
$52
$102
GEICO
$53
$105
USAA
$54
$106
American Family
$77
$152
Clearcover
$93
$154
Progressive
$98
$194
Root
$102
$165
Travelers
$107
$214
Farmers
$109
$216
Dairyland
$120
$294
Direct Auto
$121
$235
CSAA
$125
$213
Allstate
$126
$250
The General
$132
$297
Nationwide
$136
$271
Bristol West
$147
$330
Elephant
$147
$227
Liberty Mutual
$159
$351
GAINSCO
$162
$375
Safeco
$163
$287
National General
$169
$327
Foremost
$208
$453
AssuranceAmerica
$224
$382
State Auto
$262
$520
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
Liability policies for teens start at $47/mo.
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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 scores are more likely to file insurance claims, so they pay higher insurance rates than drivers with good credit 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
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.
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 $72 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
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.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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