Cheap Car Insurance in Indiana (With Quotes, August 2022)

Indiana drivers are required by law to carry auto insurance that meets or exceeds state minimum coverage limits. The good news is that Indiana auto insurance rates are generally lower than rates in other states. On average, a motorist in Indiana will pay $162 per month for auto insurance. Compare quotes on Insurify today, to find cheap car insurance in Indiana.

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

When you start searching for auto insurance coverage, you will want to consider several pieces of information. The first factor is your car insurance premium price, and often, you will need to shop around with multiple insurance providers to find the cheapest rates. Below are several car insurance companies to consider when looking for the most affordable auto insurance.

See More: Car Insurance Quotes

Cheapest Liability Auto Insurance in Indiana

No matter how careful you are behind the wheel, accidents can happen. If you are involved in a car crash that results in property damage or an injury to another party, then liability coverage will help pay those costs. Below are some of the most affordable car insurance providers that offer liability insurance in Indiana.

Cheapest Full-Coverage Auto Insurance in Indiana

If you are looking for auto insurance that provides more coverage than a state minimum plan, you should consider full-coverage car insurance. This policy combines several coverages, including collision coverage, liability coverage, and comprehensive coverage, to protect drivers in most situations. See which companies offer the best rates in the table below.

There are many ways to rank insurance providers in Indiana. Insurify uses a ranking system known as the ICS (Insurify Composite Score) to determine which companies offer customers the best coverage, service, and assurance. Below are the rankings of the best companies to purchase your auto insurance policy through.

See More: Best Car Insurance Companies

Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Both driving record and accident history will play a role in determining your average rates. For instance, drivers who haven’t had a car accident will receive cheaper rates than drivers with an at-fault accident in their driving history. The same is true for other incidents, such as speeding tickets and DUIs.

See More: High-Risk Car Insurance Indiana

Cheap Car Insurance for Good Drivers in Indiana

Insurance companies tend to provide better rates to customers they consider good drivers, since they pose less risk to insure. To be classified as a good driver, you will need to maintain a clean driving record and avoid risky driving behaviors. If you do both of those things, you should receive average rates similar to those in the chart below.

Cheap Car Insurance for Drivers with DUI in Indiana

DUIs are typically seen as a high-risk indicator and can mean paying a higher rate for auto insurance. But, depending on where you get your insurance policy, you could pay as much as $100 a month for coverage in Indiana. Here are a few insurance providers that still offer affordable coverage to drivers with a DUI.

See More: SR-22 Insurance Indiana

SR-22 Insurance in Indiana

For drivers who have been convicted of a serious traffic violation, the state of Indiana requires that they obtain an SR-22 insurance form. This form is proof that you are meeting all of the minimum requirements for auto insurance mandated by the state. If you need an SR-22 form, you should consider reaching out to one of the following companies.

Cheap Car Insurance for Drivers with an At-Fault Accident in Indiana

Everyone tries to avoid them at all costs, but car accidents do happen, and it isn’t always our fault. However, if you are involved in a crash and are found to be at fault, there is a good chance your rates will increase. This is mainly due to risk factors and that you filed a claim. As you can see from the rates below, one accident can significantly impact your premium.

Cheap Car Insurance for Drivers with Speeding Tickets in Indiana

Getting a speeding ticket can happen even to the best drivers. While one ticket won’t significantly impact your rates, receiving multiple tickets could. Since driving over the speed limit is seen as risky, insurance providers tend to increase rates for each offense. If you have tickets on your driving record, you should consider one of the following companies.

Indiana drivers with better credit scores tend to pay lower car insurance premiums than those with worse credit scores. For example, drivers with excellent credit pay up to 35 percent lower car insurance rates than drivers with poor credit scores. Check out the average monthly quote in Indiana for each credit tier below.

See More: Bad Credit Car Insurance Indiana

It’s no secret; age plays a significant role in your average monthly rate. Young drivers often have the highest monthly premiums, while drivers with more experience enjoy lower rates. For example, a teenager in Indiana might pay $268 a month compared to a driver in their 60s who only pays $103.

One of the most significant factors that will affect your car insurance rates is the city in which you live. For instance, drivers living in Muncie, Indiana, pay on average $51 less per month than those living in Gary, Indiana. However, the good news is that several large cities in the state offer rates well below the national average.

Every state has minimum insurance requirements, and Indiana is no exception. Additionally, all drivers in Indiana will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Indiana.

Minimum Car Insurance Requirements in Indiana

All motor vehicles operated or parked on Indiana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement
• Renewing vehicle registration
• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Indiana^[1] are:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Indiana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Indiana, this coverage will help you recover from an accident as quickly as possible.

Indiana DMV Information

If you plan to drive in the state of Indiana, you will need to visit your local DMV. Here, you will get your first driver’s license and register your vehicle. Additionally, most branches and kiosk DMV locations will also allow you to:

• Renew your driver’s license
• Renew your vehicle plates and registration
• Take special driving exams and courses for motorcycles
• Participate in defensive driving courses and resources

Some locations will assist in the process of getting your license reinstated, too.

Public Transportation in Indiana

If you are looking for alternatives to driving, Indiana offers a variety of public transportation options. In fact, the state currently provides more than 60 public transit systems throughout the state.

Finding the cheapest car insurance companies in Indiana can be difficult if you haven’t shopped for coverage before. While most people use an insurance agent, Insurify makes the process simple enough to do it on your own.

By simply answering a few common questions, you will be provided with a list of quotes and reputable insurance companies to review. Since every quote can be seen on one page, comparing policies is quick and easy. Try out the Insurify platform and see what coverage you qualify for today.