Cheapest Auto Insurance in Indiana (2024)

Auto-Owners offers the cheapest rates in Indiana, starting at $27 per month.

Elizabeth Rivelli
Elizabeth Rivelli
  • 5+ years writing insurance and personal finance topics

  • 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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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated June 13, 2024

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Cheapest recent rates in Indiana

Recent Indiana car insurance prices for Hyundai, Mazda, MINI , and more.

*Quotes generated for Insurify users from Indiana within the last 10 days. Last updated on June 12, 2024

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 June 12, 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 June 12, 2024

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 June 12, 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 $69 per month, and the average rate for full coverage is $141 per month. The U.S. national average for liability insurance is $105 per month, and full coverage is $215 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 rates 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 rates in Indiana.

  • Indiana drivers must carry at least 25/50/25 in liability insurance.

  • GEICO has the best car insurance for discounts in Indiana.

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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$55$29Low rates
USAA4.7$58$31Military members
GEICO4.4$61$32Discounts
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.
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for low rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$55/mo

State Farm consistently offers some of the lowest rates in Indiana. The average premium from State Farm is $29 per month for liability coverage, which is much cheaper than the statewide average of $69 per month. State Farm also offers several discounts in Indiana for further savings.

Pros
  • Nation’s leading insurer, in terms of number of policies written

  • Discounts for accident-free drivers, loyal customers, good students, and more

Cons
  • Few available add-on coverages

  • Gap insurance only available to drivers who take out a loan through State Farm Bank

Read our State Farm review
Laudita - June 13, 2024
Verified

No Consideration at All, They Don't Care About the Years Spent With Them

They doubled my insurance premium without any reason. I haven't had an accident in the last 10 years.

Luisa - June 13, 2024
Verified

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

Daniel - June 13, 2024
Verified

Excellent

I have no complaints. It has been very good.

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$58/mo

USAA exclusively insures active-duty service members, veterans, and their immediate family members. The company offers affordable rates in Indiana and a variety of discounts for safe drivers, smart students, loyal customers, low-mileage drivers, garaging a vehicle on a military base, and more.

Pros
  • Highest score in North Central Region in J.D. Power’s 2023 U.S. Auto Insurance Study[2]

  • AM Best financial strength rating of A++ (Superior)

Cons
  • Only available to eligible military personnel

  • No 24/7 customer support

Read our USAA review
Dorothy - June 13, 2024
Verified

Price

It's a good company, but the price increases every year.

Steven - June 13, 2024
Verified

Hopeless

I am a disabled veteran. I lost my phone and got a new number. I needed to adjust my policy and had forgotten my old phone number and password codes. They would not allow access to my account to make changes. It became a nightmare. Otherwise, they are a good company.

Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$61/mo

GEICO is a great option if you’re looking for discounts. The company offers more than a dozen discounts, including savings for military personnel, federal employees, smart students, safe drivers, bundling policies, going on emergency deployment, insuring a new vehicle, insuring a car with daytime running lights and anti-lock brakes, and many others.

GEICO only offers a small selection of endorsements, so it’s not the best option if you want to customize your policy. Additionally, J.D. Power rates GEICO below average for overall claims satisfaction.

Pros
  • Robust mobile app

  • Rates are cheaper than Indiana state average

Cons
  • Limited endorsement options

  • Below-average claims satisfaction rating[2]

Read our GEICO review
Joyce - June 13, 2024
Verified

Excellent

Use Geico, they will work with you.

Polly - June 13, 2024
Verified

Very Sad

The rates are too high.

Larry - June 12, 2024
Verified

Poor

The insurance is overpriced.

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.

Find Cheap Car Insurance in Indiana

Liability rates start at $27 per month

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Cheapest liability-only car insurance 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 $69 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$27
State Farm$29
USAA$31
GEICO$32
American Family$43
Clearcover$49
Progressive$54
Travelers$57
National General$59
Farmers$60
Dairyland$64
Direct Auto$66
Allstate$68
Midvale Home & Auto$68
Nationwide$75
GAINSCO$79
The General$79
Elephant$80
Safeco$80
Liberty Mutual$82
CSAA$84
Bristol West$94
Foremost$115
AssuranceAmerica$127
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 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 $141 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$52
State Farm$55
USAA$58
GEICO$61
Clearcover$79
American Family$81
Progressive$102
Travelers$109
Farmers$114
Midvale Home & Auto$114
Elephant$121
National General$123
Direct Auto$130
Allstate$130
Nationwide$143
CSAA$150
GAINSCO$152
Safeco$152
Dairyland$172
AssuranceAmerica$180
The General$185
Liberty Mutual$189
State Auto$200
Bristol West$214
Foremost$241
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 rates in Indiana

Recent Indiana car insurance prices for Mazda, KIA, Honda , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

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 June 12, 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 June 12, 2024

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 June 12, 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 your car and drive legally. 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.[3]

CoverageMinimum 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:

  • 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 as their credit history or driving record.

Cheapest car insurance 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 in different ways.

Cheapest car insurance 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 $208 per month for full coverage insurance and $102 for liability-only insurance.

Here, you can see how liability coverage 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith 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
National General$59$76
Farmers$60$79
Dairyland$64$85
Direct Auto$66$88
Allstate$68$90
Midvale Home & Auto$68$93
Nationwide$75$100
GAINSCO$79$115
The General$79$106
Elephant$80$116
Safeco$80$107
Liberty Mutual$82$119
CSAA$84$114
Bristol West$94$123
Foremost$115$167
AssuranceAmerica$127$171
State Auto$142$203
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 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.

Drivers with an accident on their record pay an average of $101 per month for liability coverage and $207 for full coverage.

Here, you can see the cheapest car liability-only rates for drivers in Indiana with an at-fault accident on their record.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners$27$36
State Farm$29$39
USAA$31$42
GEICO$32$43
American Family$43$58
Clearcover$49$70
Progressive$54$74
Travelers$57$78
National General$59$80
Farmers$60$81
Dairyland$64$87
Direct Auto$66$91
Allstate$68$92
Midvale Home & Auto$68$97
Nationwide$75$102
GAINSCO$79$103
The General$79$109
Elephant$80$106
Safeco$80$105
Liberty Mutual$82$121
CSAA$84$119
Bristol West$94$125
Foremost$115$170
AssuranceAmerica$127$172
State Auto$142$211
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 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, expect your car insurance premium to 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 $115. The average full-coverage rate is $235 per month.

Here, 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners$27$45
State Farm$29$49
USAA$31$52
GEICO$32$54
American Family$43$72
Clearcover$49$82
Progressive$54$91
Travelers$57$96
National General$59$99
Farmers$60$101
Dairyland$64$107
Direct Auto$66$111
Allstate$68$114
Midvale Home & Auto$68$114
Nationwide$75$126
GAINSCO$79$132
The General$79$132
Elephant$80$134
Safeco$80$134
Liberty Mutual$82$138
CSAA$84$141
Bristol West$94$158
Foremost$115$193
AssuranceAmerica$127$213
State Auto$142$238
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 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.

Below, you can see the cheapest car insurance companies for seniors in Indiana and the average premiums seniors pay for liability-only insurance and full-coverage insurance.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Auto-Owners$37$19
State Farm$39$21
USAA$42$23
GEICO$44$23
American Family$58$31
Clearcover$58$36
Progressive$66$35
Travelers$78$41
Midvale Home & Auto$79$47
Farmers$81$43
Elephant$87$58
National General$90$43
Direct Auto$92$47
Allstate$96$50
Nationwide$97$51
CSAA$107$60
Safeco$113$59
GAINSCO$114$59
AssuranceAmerica$124$88
Dairyland$126$47
Liberty Mutual$137$60
The General$139$59
State Auto$141$100
Bristol West$157$69
Foremost$172$82
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 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.[4] Teen drivers are also more likely to make critical driving errors that can cause serious accidents, such as distracted driving.

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 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Auto-Owners$88$45
State Farm$91$48
GEICO$94$49
USAA$94$50
American Family$139$74
Clearcover$151$93
Progressive$181$96
Travelers$192$100
Midvale Home & Auto$194$116
Elephant$195$129
Farmers$197$103
Allstate$223$116
National General$227$109
Direct Auto$232$118
Nationwide$239$125
CSAA$241$135
GAINSCO$266$138
Dairyland$282$105
The General$293$125
Safeco$311$164
AssuranceAmerica$327$231
Liberty Mutual$343$149
State Auto$347$247
Bristol West$357$157
Foremost$418$200
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 $45/mo.

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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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.

Rates 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.

Indiana car insurance FAQs

Still looking for more information to help you find the most affordable car insurance in Indiana? The following answers can help.

  • How much is car insurance in Indiana?

    Car insurance rates in Indiana fall well below the national average. The average rate for liability car insurance in Indiana is $69 per month, and the average rate for full coverage is $141 per month.

  • 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 are the best car insurance companies in Indiana?

    State Farm, GEICO, and USAA rank as three of the top insurers in Indiana. Each of these national insurers is widely recognized for its customer service, discounts, financial stability, and low rates.

    Keep in mind that the best insurer for you will depend on your own unique needs and situation.

  • 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.

Sources

  1. Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
  2. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
  3. Indiana Bureau of Motor Vehicles. "Proof of Financial Responsibility."
  4. CDC. "Teen Drivers and Passengers: Get the Facts."
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

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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