20+ years in insurance and personal finance content creation
Contributor to top brands like USA Today
John specializes in insurance, personal finance, real estate, and health and wellness. In 2022, he authored a guide on content marketing for beginners.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Several factors determine the best car insurance company in Indiana, including cost, customer satisfaction, and financial strength. However, the best car insurance company for you depends on factors such as your driving record, age, and location.
The average monthly cost of car insurance in Indiana is $102 for liability-only coverage and $172 for full coverage. Your monthly insurance premium might be well above or well below those numbers, depending on your unique driving profile. Always compare car insurance quotes before purchasing a policy.
Quick Facts
Auto-Owners has the cheapest car insurance in Indiana, at $33 per month on average.
USAA is the best car insurance for military families, with an average monthly rate of $37.
Hugo offers reliable short-term car insurance, with policies as short as three days.
Best car insurance companies in Indiana
The best car insurance company doesn’t always mean the cheapest car insurance company. In the end, the best car insurance company is the one that provides the best coverage at the best price and offers good customer service. Factors that may influence the coverage and price include your driving record, location, credit history, age, and gender.
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Insurance Company
Best For
Average Monthly Quote: Liability Only
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.
State Farm
Best overall
$35
4.4
GEICO
Best value
$38
4.3
Auto-Owners Insurance
Most affordable
$33
4.1
USAA
Military families
$37
4.3
Hugo
Short-term insurance
N/A
3.0
Allstate
Families
$82
4.2
Direct Auto
High-risk drivers
$122
3.2
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.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
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. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
Best car insurance company in Indiana overall: State Farm
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.
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.
$54/mo
State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.
Pros
High rates of customer satisfaction
Rideshare insurance available
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.
Theresa - September 14, 2023
Verified
I really enjoyed working with them, I just couldn't keep up with the expensive rates.
Becki - September 13, 2023
Verified
I was 5 stars until the recent increase, without any explanation.
With an average cost of $50 per month for full coverage and $35 per month for liability coverage, State Farm offers some of the cheapest car insurance rates in Indiana. Founded in 1922, it’s the country’s largest auto insurance company and sells policies through a nationwide network of more than 19,000 agents.
Pros
IQ Score of 4.4
No. 1 ranking among large auto insurers in purchase satisfaction category of J.D. Power 2023 U.S. Insurance Shopping Study[1]
No. 3 ranking among insurers in region that includes Indiana in J.D. Power 2022 U.S. Auto Insurance Study[2]
Cons
Must complete policy purchase through agent after obtaining online quote
No accreditation from the Better Business Bureau (BBB)[3]
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.
4.3
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.
$60/mo
A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection, among other products. A.M. Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Unwilling to work with clients. Especially senior citizens on a fixed income.
Janina - September 10, 2023
Verified
Awesome customer service, good prices, easy to deal with.
Kathleen - September 9, 2023
Verified
Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.
GEICOoffers excellent car insurance to Indiana drivers at affordable prices. It costs $38 per month for liability coverage and $56 per month for full coverage, on average. It has an A++ financial strength rating from A.M. Best and an AA+ rating from S&P Global.
GEICO offers a variety of discounts, making it a good choice for drivers from all walks of life. It earned an IQ Score of 4.3.
Pros
Many available discounts
Telematics-based DriveEasy safe driving program
Highly rated mobile app
Cons
Limited additional coverages available
Below-average customer satisfaction rating from J.D. Power
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.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$28/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.
$51/mo
Headquartered in Lansing, Michigan, Auto-Owners is one of the nation’s largest insurers, serving nearly 3 million policyholders in 26 states. The company launched in 1916, and today sells car, home, life, and commercial insurance policies. A.M. Best gives Auto-Owners a financial strength and credit rating of A++, and the company has significantly fewer customer complaints than the industry average, according to the National Association of Insurance Commissioners Consumer Complaint Index. J.D. Power gives the company high marks for claims satisfaction. Auto-Owners offers several discounts, including ones for having multiple policies with the insurer, and for paying in full.
Pros
High customer satisfaction
Multiple discounts
Cons
I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.
Mary - August 13, 2023
Verified
I was dropped because of two minor at-fault accidents in two plus years.
Auto-Owners offers the cheapest car insurance rates in Indiana, with average monthly rates of $33 per month for liability coverage and $47 per month for full coverage. Auto-Owners earned an IQ Score of 4.1 and has strong ratings from both J.D. Power and A.M. Best. Indiana drivers strictly looking for the cheapest available option should consider Auto-Owners.
Pros
IQ Score of 4.1
Above-average ranking for customer satisfaction in J.D. Power 2022 U.S. Insurance Shopping Study
AA+ rating for financial strength from A.M. Best
Cons
Below-average ranking for customer satisfaction in J.D. Power 2022 U.S. Auto Insurance Study
Below-average ranking in J.D. Power 2022 U.S. Auto Insurance Claims Satisfaction Study
Must obtain quotes and purchase policies through network of 48,000 independent agents
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.
4.3
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
In business for more than 100 years, USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products, as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including for bundling, insuring multiple vehicles, living on a military base, and more. A.M. Best gives USAA an A++ rating for financial strength, and the company had the highest or second-highest rating of all insurers in every region in J.D. Power’s Overall Customer Satisfaction Index. Customer reviews are mixed for service and claims processing.
Pros
Low premiums
SafePilot program rewards good driving with up to 30% discount
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
They are the best in customer service.
Brenda - September 13, 2023
Verified
Overall poor service, took a safe driving discount away because I wasn’t driving enough.
USAA is one of the best car insurance companies in the country — its only major drawback is that it’s only available for military families. It offers a wide variety of discounts, coverage options, and a perks program.
It has an average monthly rate of $37 for liability coverage and $54 for full coverage. It earned an IQ Score of 4.3 and has strong ratings from A.M. Best and J.D. Power. Drivers in the military or with family members in the military should strongly consider USAA.
Pros
Many available discounts
A.M. Best financial strength rating of A++ (Superior)
Various available perks
Cons
Only available to military personnel, veterans, and their families
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.
3
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).
NR
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.
$48/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.
$89/mo
Launched in 2021, Hugo is currently the only insurance company offering on-demand car insurance. Drivers open an account with Hugo without paying a down payment, and choose their policy term. Hugo sells policies for three, seven, 14, or 30 days, and offers three tiers of coverage: flex, which meets state-minimum liability requirements; basic, which adds medical and accidental death coverage to liability, and full, which adds comprehensive and collision to the basic plan. Using the Hugo app, drivers can turn coverage on and off so they only pay for the days when they’re actually using the coverage.
Pros
Short-term policies
No down payment required
Flexible, pay-as-you-go insurance
Cons
Only available in 13 states
No discounts and limited options to customize coverages
Hugo is a reputable pay-as-you-go car insurance company that offers short-term car insurance to Indiana drivers. If you only need temporary coverage, consider Hugo, as you can buy coverage for as little as three days.
Drivers can select one of three different coverage options with Hugo: minimum liability, liability plus medical and accidental death, or full coverage.
Pros
Multiple options for short-term, pay-as-you-go coverage
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.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$69/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.
$128/mo
Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.
Pros
Well-established with superior ratings from A.M. Best
Pay-per-mile option available
Cons
Low customer satisfaction
Rates are merely average compared to other insurers
Handled a claim ok, but they keep raising my price every 6 months.
Allstate is one of the best car insurance companies for families, as it offers affordable coverage and a variety of discounts, including a multi-policy discount that could help you save up to 25% when bundling home and auto insurance.
It has an average monthly rate of $82 for liability coverage and $119 for full coverage. It also earned an A+ (Superior) rating from A.M. Best and an 826 out of 1,000 from J.D. Power. Drivers with families should consider Allstate when shopping for car insurance.
Pros
Affordable premiums
Variety of available discounts
Strong J.D. Power rating
Cons
High number of complaints, according to the National Association of Insurance Commissioners (NAIC)[4]
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.
3.2
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
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.
$69/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.
$96/mo
For a little more than 20 years, Direct Auto has specialized in providing insurance for non-standard drivers who may struggle to find affordable coverage elsewhere, and to drivers who need SR-22 certification. Today, the company sells car, motorcycle, and term life insurance, car insurance in Mexico, roadside assistance, and vehicle protection plans. Direct operates in just 16 states. The company has an A+ rating from A.M. Best for financial and credit strength, but nearly 35 times the number of expected complaints in the National Association of Insurance Commissioners Customer Complaint Index.
Pros
Customers can bundle car insurance with other auto-related products
Direct Auto specializes in high-risk auto insurance, providing more flexibility than other companies when it comes to eligibility. It offers discounts for having continuous coverage, bundling policies, and having an anti-theft device in your car. Direct Auto policyholders in Indiana pay an average monthly rate of $122 for liability coverage and $248 for full coverage.
Pros
Offers coverage for high-risk drivers who can’t find regular insurance
How Insurify’s experts used internal proprietary data to rate the top auto insurers
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information.
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across all driver ages, gender, credit scores, and driver profiles for Indiana drivers.
How to shop for the best car insurance in Indiana
Here are a few things to consider when shopping for the best car insurance in Indiana:
Obtain quotes from at least three insurance companies so you can compare prices and coverage.
Ask friends, relatives, and colleagues for recommendations.
Research online rankings, reviews, and complaints about any insurer that you’re seriously considering.
Check an insurer’s financial health. Companies such as A.M. Best, S&P Global, Kroll, and Fitch rate the financial strength of auto insurers.[5]
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How to get the cheapest car insurance in Indiana
Some of the factors that determine car insurance costs in Indiana include your driving record, the number of miles you drive, where you live, your age, your gender, and the type of car you drive.[6]
Here are some tips for finding the cheapest car insurance in Indiana:
Get an estimate of the cost to insure a car before you buy it.
Obtain quotes from three or more car insurance companies.
Figure out your deductible. A higher deductible typically results in a lower car insurance premium.
Look into discounts, such as a bundling discount for insuring your car and home with the same company.
Maintain a clean driving record, free of accidents and traffic violations that could boost your premium.
Remember that some of the factors affecting car insurance rates are out of your control. Insurers typically raise car insurance rates if there’s an overall increase in claim filings and payouts.
“Indiana’s wide-ranging wet weather can unfortunately cause car claims to rise when the state experiences above average snow or rain,” says Marty Wood, president of the Insurance Institute of Indiana. “While not uncommon, those weather events lead to an uptick in claims.”
Minimum car insurance requirements in Indiana
As with nearly every other state, Indiana requires a minimum amount of bodily injury liability and property damage liability coverage:[7]
$25,000 per person for bodily injury liability
$50,000 per accident for bodily injury liability
$25,000 per accident for property damage liability
Liability-only vs. full-coverage insurance in Indiana
Indiana requires a minimum amount of liability auto insurance covering bodily injury and property damage. Liability coverage pays for injuries a motorist causes to another person in a car accident or damage a motorist causes to another person’s property.
A couple situations when liability-only insurance might make sense are when you’re driving a low-value car or if you’re not currently driving your car. When you want more protection, you can purchase full-coverage insurance, which includes liability coverage along with collision and comprehensive coverage.
Collision coverage pays to fix your car or replace it if it gets damaged in an accident. If you have a car loan or lease, the lender likely will require you to carry collision and comprehensive coverage. Comprehensive coverage kicks in if your car gets stolen or damaged by fire, flooding, vandalism, or another non-collision incident.
The average monthly cost for liability-only coverage in Indiana is $102, and the average cost for a full-coverage policy is $172. According to Insurify data, 18 insurers fall below the state average for liability-only coverage and 17 fall below the average for full coverage.
Among nearly two dozen insurers in Indiana, the monthly cost of liability-only coverage ranges from $33 at Auto-Owners to $174 with CSAA. For full coverage, the monthly range is $47 at Auto-Owners to $227 with The General.
Here’s a look at the cheapest auto insurance in Indiana by policy type.
Insurance Company
Average Monthly Quote: Liability Only
Average Monthly Quote: Full Coverage
Auto-Owners
$33
$47
State Farm
$35
$50
USAA
$37
$54
GEICO
$38
$56
American Family
$51
$75
Travelers
$62
$97
Safeco
$69
$137
Farmers
$72
$104
SafeAuto
$73
$149
Clearcover
$76
$107
Progressive
$78
$125
Allstate
$82
$119
State Auto
$83
$210
Elephant
$89
$113
National General
$90
$141
Midvale Home & Auto
$90
$157
Dairyland
$97
$226
Liberty Mutual
$98
$183
The General
$115
$227
Nationwide
$116
$142
Bristol West
$120
$206
Direct Auto
$122
$148
CSAA
$174
$326
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 rates by driving and accident history
Your driving and accident history play a key role in how insurance companies determine your car insurance rates. Overall, Indiana drivers pay more for car insurance if their driving and accident history is in bad shape. Infractions that can bump up your car insurance rates include speeding tickets, driving under the influence, and at-fault accidents.
Here’s a look at average monthly quotes for the cheapest car insurance in Indiana based on driving and accident history.
Insurance Company
Clean Record
At-Fault Accident
With a DUI
Speeding Ticket
Auto-Owners
$45
$64
$89
$60
State Farm
$47
$67
$94
$63
USAA
$49
$70
$98
$66
GEICO
$51
$72
$101
$68
American Family
$70
$99
$138
$93
Travelers
$96
$137
$191
$129
Farmers
$97
$138
$192
$130
Clearcover
$102
$146
$203
$137
Allstate
$106
$152
$212
$143
Elephant
$108
$154
$215
$145
Progressive
$114
$163
$227
$153
National General
$129
$184
$257
$173
Safeco
$131
$187
$261
$176
Nationwide
$134
$192
$267
$180
SafeAuto
$136
$194
$271
$182
Direct Auto
$138
$197
$275
$185
Midvale Home & Auto
$138
$197
$275
$185
Foremost
$176
$252
$350
$236
Liberty Mutual
$178
$255
$354
$239
Bristol West
$192
$275
$382
$257
State Auto
$196
$280
$390
$263
The General
$204
$292
$406
$273
Dairyland
$217
$310
$432
$291
CSAA
$296
$423
$589
$397
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.
SR-22 insurance in Indiana
Indiana drivers who have their driving privileges suspended after being found guilty of insurance violations or serious traffic offenses (such as a DUI) might be required to obtain an SR-22 certificate to restore their driving privileges.[8]
An SR-22, also known as proof of future financial responsibility, shows you have car insurance that meets the state’s minimum standards. Generally, a driver with SR-22 coverage pays more for car insurance than a driver without SR-22 coverage does.
Among the companies that offer SR-22 insurance in Indiana are Dairyland, Elephant, National General, Safe Auto, Safeco, and The General.
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Indiana car insurance quotes by credit tier
Indiana lets car insurance companies use credit-based insurance scoring. A credit-based insurance score, calculated with information from a driver’s credit history, helps an insurer predict how likely you are to file an insurance claim. A credit-based insurance score isn’t the same as a traditional credit score, which is used to assess your credit risk.
Your credit history, including your credit score, might put you in an insurer’s high-risk or low-risk category. If you’re in the high-risk category, you might pay more for coverage than you would in the low-risk category.
Generally, more experienced drivers pay lower car insurance rates than drivers younger than 25. In Indiana, teens have the highest average monthly cost for car insurance ($349), and drivers 70 to 79 are rewarded with the lowest average monthly cost ($117).
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 quotes in Indiana cities
Car insurance quotes can vary from one city in Indiana to another. Among 15 cities in Indiana, the monthly average cost for full-coverage insurance ranges from $139 a month in Anderson to $210 in Gary.
Car insurance rates differ from city to city because insurers include your ZIP code when calculating rates. So, a motorist living in a ZIP code with a low number of accidents, break-ins, and thefts may pay lower rates than a motorist living in a ZIP code with a high number of accidents, break-ins, and thefts.
Here’s a look at how car insurance rates vary by city in Indiana.
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
Finding the best car insurance in Indiana can be challenging. Below, you’ll find answers to some of the most commonly asked questions about car insurance in the Hoosier State.
Who has the cheapest car insurance in Indiana?
Auto-Owners has the cheapest car insurance in Indiana, on average. But comparing quotes from several auto insurance companies can help you find the cheapest car insurance for you based on your circumstances, such as the kind of car you drive and the ZIP code where you live.
What car insurance coverage does Indiana require?
Indiana requires at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, and at least $25,000 per accident in property damage liability coverage. In many cases, these requirements are similar to minimum car insurance requirements in other states.
What are the best car insurance companies in Indiana?
State Farm is the best car insurance company in Indiana, with an average rate of $35 for liability coverage. It also boasts a high IQ Score, strong J.D. Power and A.M. Best ratings for financial strength, and low number of consumer complaints. State Farm is followed closely by USAA and GEICO, with average monthly liability rates of $37 and $38, respectively.
Is Indiana a no-fault state?
No. Indiana is an at-fault state, meaning that the driver responsible for the accident will have to go through their own insurance to pay for the other driver’s vehicle repairs.
Insurify Insights
How Indiana Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Indiana below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Indiana drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more. Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Chevrolet Malibu
Most Popular Car in Indiana
#21
State with the Most Speeding Tickets Rank
#17
State with the Moving Violations Rank
#8
State with the Most DUIs Rank
#1
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Indiana is the #18 state in the country for drivers with an at-fault accident on their driving record.
Rank among states: #18
Percent of drivers in Indiana with an accident: 9.4%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Indiana is the #8 state in the country for drivers with a prior drunk driving conviction.
Rank among states: #8
Percent of drivers in Indiana with a DUI: 2.2%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Indiana is the #28 state in the country for drivers with a reckless driving offense on record.
Rank among states: #28
Percent of drivers in Indiana with a reckless driving offense: 1.2%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Indiana is the #30 state in the country for drivers with a rude driving violation on record.
Rank among states: #30
Percent of drivers in Indiana with a rude driving violation: 1.4%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Indiana is the #21 state in the country for drivers with a speeding ticket on record.
Rank among states: #21
Percent of drivers in Indiana with a speeding ticket: 9.4%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Indiana is the #41 state in the country for drivers with a failure to yield violation on record.
Rank among states: #41
Percent of drivers in Indiana with a failure to yield violation: 0.1%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
State Farm
GEICO
Auto-Owners
USAA
Hugo
Allstate
Direct Auto
