Cheap Auto Insurance Quotes in Indiana (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Can cheap car insurance be found in the Crossroads of America? You Betcha. 

Perhaps no other state takes driving more seriously than the state of Indiana. The Indianapolis Motor Speedway is home to the famous Indy 500 and the United States’ first long-distance auto race in 1911. Carmel City boasts more roundabouts—124 and counting as of April this year—than any other city in the country. Up north, you’ll find the R.V./Motorhome Hall of Fame, a museum and event space dedicated to homes on wheels.

And if that doesn’t entice you, then how about Holiday World—a holiday-themed theme park located in Santa Claus, Indiana? Like the rest of the state, it comes with stick-to-your-ribs comfort foods, fried whenever possible.

Cheapest Car Insurance in Indiana

Here are the cheapest carriers in Indiana for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Indiana.

Best Car Insurance in Indiana

The Insurify Composite Score is calculated by analyzing multiple factors that indicate 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, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Indiana. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Indiana

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Indiana to find you the cheapest quotes in each of these metropolitan areas.

Indiana's capital, Indianapolis, is the state's most populous city. The state currently oversees a $3 billion project to extend the I-69 highway from Evansville to Indianapolis. Indianapolis drivers rank among the worst in the nation, according to Insurify's 2018 study of top cities with the worst drivers.

CityCheapest CarrierQuote
ProgressiveProgressive
$52/mo
ProgressiveProgressive
$44/mo
ProgressiveProgressive
$39/mo
ProgressiveProgressive
$36/mo
ProgressiveProgressive
$37/mo
ProgressiveProgressive
$26/mo
ProgressiveProgressive
$25/mo
ProgressiveProgressive
$31/mo
ProgressiveProgressive
$32/mo
ProgressiveProgressive
$23/mo
ProgressiveProgressive
$24/mo
ProgressiveProgressive
$27/mo
ProgressiveProgressive
$24/mo
State FarmState Farm
$64/mo
State FarmState Farm
$59/mo
State FarmState Farm
$63/mo
State FarmState Farm
$53/mo
State FarmState Farm
$60/mo
State FarmState Farm
$79/mo

Indiana Driving Facts

Minimum Car Insurance Requirements in IN

Indiana drivers must purchase car insurance and must carry proof of financial responsibility in their vehicles. Unlike many states, Indiana requires uninsured motorist protection in addition to property damage liability and bodily injury liability coverage. 

Motorists are required to purchase auto insurance coverage meeting these minimums:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two or more persons
  • $25,000 for property damage liability
  • $50,000 Uninsured Motorist Coverage
indiana

Cheapest Car Insurance Quotes in Indiana by Profile

Here are the cheapest insurance companies in Indiana based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Indiana drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Indiana, at $23 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompanyQuotes
Progressive
$23/mo
State Farm
$51/mo
Allstate
$87/mo
Travelers
$95/mo
Nationwide
$106/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance CompanyQuotes
State Farm
$31/mo
Indiana Farmers Mutual
$32/mo
Erie
$34/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance CompanyQuotes
Buckeye
$18/mo
Erie
$21/mo
Celina
$28/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance CompanyQuotes
Erie
$21/mo
USAA
$28/mo
Buckeye
$29/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Indiana, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. Buckeye offers the cheapest car insurance rates for young drivers, averaging $19 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Indiana 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Hoosiers lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance CompanyQuotes
Buckeye
$19/mo
Erie
$21/mo
Celina
$22/mo
Cincinnati
$24/mo
USAA
$44/mo

IN BMV Information

You’ll need to go to the Indiana Bureau of Motor Vehicles, but not as often as you might in other states. Every driver has the opportunity to create an online account where they can renew the registration, view their driving records, schedule appointments, and more.

Indiana is serious about BMV access. It has even installed several 24-hour self-service terminals known as BMV Connect. You can pay fees, renew IDs, even register a new vehicle at the kiosk. It’s pretty incredible.

Transferring your license to Indiana is easy to do, and you’ll have 60 days to do so once you move. Just be sure to look up the hours for your local BMV as it does not have uniform hours. If you’ve recently moved to the Hoosier State, you can print out the easy-to-follow New Indiana Resident Packet and follow the checklists. 

Emissions inspections are required in Lake and Porter country—the part of Indiana where residents are part of the Chicago metro area known as Chicagoland. Testing done at state-run sites does not require a fee. Drivers who choose to go to an independent site for testing may pay a convenience fee. 

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Greenest Cities in Indiana

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The Indiana Department of Environmental Management and Hoosier Environmental Council are among the many groups advancing green initiatives in Indiana. The state consistently ranks relatively low for eco-friendliness and quality of life, but some parts of the state are clear exceptions to the rule. The state of Indiana offers many green driver incentives, including federal tax credits, rebates, and discounts through some car insurance carriers.

Greenes Cities

West Lafayette

Greenes Cities
% of Hybrids / Electrics
2%
Most Patriotic City

Most Patriotic City

Fort Wayne

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Anderson won Insurify's Most Patriotic Cities Award for the state of Indiana. McClain's Historical Military Armory Museum is closing its doors after over 25 years, and is projected to be a blow to the local economy.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Indiana is vital for all car insurance shoppers hitting the road in The Hoosier State.

road with cars illustration

Road Rankings

8%Rural Roads in
Poor Condition

#20
Ranked

8%Structurally Deficient
Rural Bridges

#11
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#27
Ranked


FAQs - Indiana Car Insurance

How do I get the cheapest car insurance rates in Indiana?

The best way to get the cheapest rate on car insurance is by comparison shopping before you buy and before you renew. Comparison shopping means gathering the price and features of each insurance policy and company—a task that used to take hours (even days) but is now reduced to minutes by using a comparison website like Insurify. Once you’ve purchased your policy, make a follow-up plan. The market is in constant flux, so chances are the cheapest policy now won’t be the cheapest policy in the future. You can often switch insurance companies at any point during your policy without incurring any extra charges. At the very least, make time to review your quotes at the end of every policy before you renew.

Are there options for low-income car insurance in Indiana?

While there is no government program to assist low-income drivers directly with insurance costs, there are other ways to keep costs low. This includes: - Purchasing/operating a vehicle that is inexpensive to insure: older vehicles, for example. - Dropping collision and comprehensive coverage. - Participating in discount programs. - Completing an insurance-provider-approved defensive driving course. - Speak directly with your insurance agent or insurance provider about your situation. You may be able to set up an agreement for lower coverage, such as adhering to low mileage requirements. -Add another (responsible) driver to your policy and split the cost.

What is a Habitual Traffic Violator (HTV)?

Drivers who don’t want to play by the rules should watch out in Indiana. The BMV looks at records over a 10-year period and will suspend driver’s licenses for people who meet the following requirements: Two major offenses in a 10-year period resulting in injury or death. Three major offenses in a 10-year period. Nine traffic violations plus one major offense. Major offenses include: Reckless driving Driving under the influence Drag racing or engaging in a “speed contest” Leaving the scene of an accident (hit-and-run)

How do I buy insurance for collector’s cars in Indiana?

Because the use of a collector vehicle is vastly different than an everyday car, the cost of insurance is also different. We recommend that collectors use an insurance company that specializes in antique or classic cars. This is especially true if the vehicle has had any special modifications.