Cheapest Auto Insurance in Indiana (2025)

Auto-Owners offers the cheapest car insurance quotes in Indiana, starting at $40 per month.

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Cheapest recent car insurance quotes in Indiana

Recent Indiana car insurance prices for Ford, Chevrolet, Buick , and more.

*Quotes generated for Insurify users from Indiana within the last 10 days. Last updated on June 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 24, 2025. 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 June 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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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 $140, respectively. In comparison, the U.S. national average for liability insurance is $107 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 $1,675 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.

State Farm logo
USAA logo
GEICO logo
Progressive logo
Farmers logo
CSAA logo
Liberty Mutual logo
Average price
Prices based on average across state-minimum and full coverage car insurance
$57/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$60/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$69/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$77/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$116/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
3.3
Overall rating
3.9
Overall rating
4.5
Overall rating
3.6
Value for money
3.8/5
Value for money
4.9/5
Value for money
3.8/5
Value for money
3.3/5
Value for money
3.6/5
Value for money
4.6/5
Value for money
3.3/5
Customer service
4.1/5
Customer service
4.7/5
Customer service
3.9/5
Customer service
3.3/5
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
AI-generated from 6033 user reviews
Customer service
Special highlight
AI-generated from 1192 user reviews
Members of the military community
Special highlight
AI-generated from 6426 user reviews
Teen drivers
Special highlight
AI-generated from 6902 user reviews
Competitive rates
Special highlight
AI-generated from 1174 user reviews
Bundling discounts
Special highlight
AI-generated from 675 user reviews
AAA members
Special highlight
AI-generated from 1731 user reviews
Numerous discounts
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

State Farm

State Farm logo
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.
$43/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.
$70/mo
4.1
Best choiceBased on 11,230 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 (6,033)

Jeffrey

June 22, 2025

Verified Review

High rates keep climbing for no reason

I understand to a point, but my policy keeps increasing in cost, with no accidents, tickets, etc. It makes no sense.

Larry

June 22, 2025

Verified Review

Not the way they used to be

While the rate is fairly competitive, the company is extremely slow in providing purchased policy information, as well as non-existent notifications and updates via their apps and online service. Totally frustrated with them.

Carol

June 21, 2025

Verified Review

Poor return for price

Poor communication, did not change policy when circumstances changed, and was charged far more than usual.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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
  • 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

USAA logo
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.
9.1 /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.
$45/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.
$74/mo
4.9
Best choiceBased on 2,095 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 (1,192)

John

June 17, 2025

Verified Review

USAA Critique

High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.

Marlon

June 15, 2025

Verified Review

Don't let them hook you

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

June 10, 2025

Verified Review

The Old Bait and Switch

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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. 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

GEICO logo
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.
9.2 /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.
$56/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.
$82/mo
4.0
Best choiceBased on 11,965 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 (6,426)

Arthur

June 23, 2025

Verified Review

Looking for a Better Rate

We are looking for a better rate as GEICO has raised our rates twice now. But they are a good insurance company.

Stephen

June 18, 2025

Verified Review

Insurance premiums are too high

My experience with Geico has been good, but my premiums are very high due to claims.

Ana

June 17, 2025

Verified Review

Thought it was going to be lengthy but it wasn't. Comparing rates was very easy.

Take the time to compare rates. It is worth it.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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 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 $40 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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Shopper Approved
ProgressiveLiberty MutualAllstate

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: Monday, June 16 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$40
State Farm$43
USAA$45
Progressive$52
Clearcover$53
GEICO$56
CSAA$60
Direct Auto$63
American Family$63
Root$71
The General$77
Safeco$79
Dairyland$80
Bristol West$84
Travelers$84
Elephant$87
Farmers$88
Hugo$90
GAINSCO$94
Liberty Mutual$98
Allstate$100
AssuranceAmerica$102
National General$104
Nationwide$110
Foremost$155
State Auto$209
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $140 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: Monday, June 16 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$66
State Farm$70
USAA$74
GEICO$82
Progressive$102
American Family$103
Clearcover$104
Direct Auto$123
Root$123
CSAA$125
Safeco$125
Elephant$134
Travelers$138
Farmers$144
The General$162
Allstate$164
National General$175
Nationwide$181
Bristol West$184
AssuranceAmerica$186
Liberty Mutual$191
GAINSCO$225
Dairyland$227
Foremost$304
State Auto$343
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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

Recent Indiana car insurance prices for Buick, GMC, Hyundai , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 24, 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 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 24, 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
sort ascsort desc
Minimum Requirements
sort ascsort desc
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:

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/01b6f5ba04/states_indiana.svg

    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.

Read More: SR-22 Companies in Indiana

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 $178 per month for full-coverage insurance and $94 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: Monday, June 16 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Avg. Quote With Clean Driving Record
sort ascsort desc
Avg. Quote With Speeding Ticket
sort ascsort desc
Auto-Owners$40$50
State Farm$43$53
USAA$45$56
Progressive$52$65
Clearcover$53$68
GEICO$56$71
CSAA$60$76
Direct Auto$63$79
American Family$63$79
Root$71$94
The General$77$101
Safeco$79$101
Dairyland$80$100
Bristol West$84$106
Travelers$84$106
Elephant$87$105
Farmers$88$110
Hugo$90$111
GAINSCO$94$112
Liberty Mutual$98$125
Allstate$100$124
AssuranceAmerica$102$123
National General$104$129
Nationwide$110$138
Foremost$155$198
State Auto$209$264
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $94 per month for liability coverage and $178 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: Monday, June 16 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Avg. Quote With Clean Driving Record
sort ascsort desc
Avg. Quote With Accident
sort ascsort desc
Auto-Owners$40$51
State Farm$43$54
USAA$45$57
Progressive$52$68
Clearcover$53$76
GEICO$56$71
CSAA$60$81
Direct Auto$63$82
American Family$63$81
Root$71$93
The General$77$102
Safeco$79$106
Dairyland$80$101
Bristol West$84$107
Travelers$84$107
Elephant$87$110
Farmers$88$112
Hugo$90$116
GAINSCO$94$116
Liberty Mutual$98$127
Allstate$100$127
AssuranceAmerica$102$123
National General$104$131
Nationwide$110$140
Foremost$155$200
State Auto$209$269
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 510 years. In some cases, your insurer may drop you altogether.

The average rate for liability coverage for drivers with a DUI in Indiana is $92 per month, and the average full-coverage rate is $174 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: Monday, June 16 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Avg. Quote With Clean Driving Record
sort ascsort desc
Avg. Quote With DUI
sort ascsort desc
Auto-Owners$40$54
State Farm$43$58
USAA$45$61
Progressive$52$71
Clearcover$53$72
GEICO$56$70
CSAA$60$81
Direct Auto$63$85
American Family$63$85
Root$71$96
The General$77$104
Safeco$79$112
Dairyland$80$109
Bristol West$84$114
Travelers$84$114
Elephant$87$118
Farmers$88$119
Hugo$90$122
GAINSCO$94$127
Liberty Mutual$98$133
Allstate$100$136
AssuranceAmerica$102$138
National General$104$141
Nationwide$110$149
Foremost$155$210
State Auto$209$283
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $63 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: Monday, June 16 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Auto-Owners$32$53
State Farm$34$55
USAA$36$60
Progressive$38$75
Clearcover$46$91
CSAA$47$98
GEICO$48$70
Direct Auto$50$97
American Family$50$82
Root$60$105
The General$62$131
Dairyland$65$185
Travelers$66$109
Farmers$69$113
Safeco$69$108
Bristol West$69$150
Elephant$72$110
GAINSCO$78$188
AssuranceAmerica$79$144
National General$80$135
Allstate$81$133
Liberty Mutual$82$160
Nationwide$83$137
Foremost$132$258
State Auto$161$264
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 1619 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 $159 per month, and full-coverage insurance costs $302 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: Monday, June 16 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Auto-Owners$77$128
State Farm$87$142
USAA$89$146
Progressive$103$203
Clearcover$103$203
CSAA$112$234
GEICO$121$177
American Family$126$206
Root$132$228
Direct Auto$134$261
The General$143$301
Dairyland$145$413
Bristol West$163$358
Elephant$164$252
Safeco$174$275
Travelers$177$291
Farmers$179$293
GAINSCO$190$454
Liberty Mutual$191$373
Allstate$210$345
AssuranceAmerica$217$396
National General$228$383
Nationwide$228$375
Foremost$318$624
State Auto$533$875
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $77/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-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.

  • City
    sort ascsort desc
    Average Monthly Quote: Full Coverage
    sort ascsort desc
    Average Monthly Quote: Liability Only
    sort ascsort desc
    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 500+ 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 $140 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 $40 per month. State Farm and USAA also offer cheap rates in Indiana. Their minimum-coverage policies start at $43 and $45 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 500+ 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.

Sources

  1. Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
  2. Indiana Bureau of Motor Vehicles. "Insurance Requirements."
  3. Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
Elizabeth Rivelli
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.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 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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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • 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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