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Cheap Car Insurance in Indiana (2022)

Drivers in Indiana pay rates starting at $40/mo. for car insurance.

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Katie Powers
Written by
Katie Powers
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Written by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
Tanveen Vohra
Edited by
Tanveen Vohra
Photo of an Insurify author
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.

Updated September 3, 2022

Car Insurance in Indiana

Living in the Hoosier State means you can claim the same home state as basketball legend Larry Bird — and enjoy the 11th-cheapest car insurance in the country. Indiana residents pay an average of just $158 per month for car insurance, which is $75 less than the national monthly average rate of $233.

Comparing insurance quotes online can also help ensure you get the best deal available to you as an Indiana driver. You’ll need to provide some information about yourself, including your ZIP code, vehicle type, and driving records. Then, you can determine whether the affordable car insurance quote you receive will meet your needs.

Quick Facts

  • The average cost of car insurance in Indiana is $158/mo.

  • State Farm is the cheapest provider in Indiana, with average rates of $64/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Indiana: State Farm

1
State Farm logo

State Farm

Average Monthly Cost:
$64
Insurify Composite Score:
88

Auto insurance companies vary in customer and claims satisfaction, financial stability, available coverage, and more. An auto insurer that works well for one driver may not be ideal for another, so considering your options is really important. Compare ICS ratings and quotes from the best cheap car insurance options in Indiana in the chart below. Travelers offers the cheapest rate.

Car Insurance CompanyInsurify Composite ScoreAverage Monthly Quote
State Farm88$64
USAA96$71
GEICO88$75
Travelers80$96
American Family89$100
Erie85$81
Clearcover97$101
ElephantN/A$108
Kemper PreferredN/A$120
ProgressiveN/A$122
Farmers85$137
National General58$137
Safeco86$139
Nationwide89$146
StillwaterN/A$146
SafeAutoN/A$147
Direct AutoN/A$152
Midvale Home & AutoN/A$160
Allstate85$164
Foremost SignatureN/A$166
TradersN/A$178
Bristol WestN/A$179
AssuranceAmericaN/A$181
Liberty Mutual82$185
Kemper SpecialtyN/A$186
KemperN/A$203
State Auto76$204
The GeneralN/A$211
DairylandN/A$223
CSAAN/A$300
AmicaN/A$336
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

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

What to know about minimum car insurance requirements in Indiana

To drive in Indiana, you’ll need to insure your vehicle — the state requires insurance for all vehicles operated or parked on its roads. You’ll also need to carry proof of insurance in your car at all times, and have it ready to show when: 

  • A member of law enforcement asks to see it. 

  • You renew your vehicle registration.

  • Your car is involved in an accident.

The minimum liability insurance requirements for private passenger vehicles in Indiana are:

  • $25,000 per person for bodily injury and $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.

  • $25,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $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'll need to visit your local Indiana Bureau of Motor Vehicles (BMV) to get your first driver’s license and register your vehicle. Most branches and kiosk BMV locations also allow you to renew your driver’s license, vehicle plates, and registration; take special driving exams and courses for motorcycles; and utilize defensive driving courses and resources.

Public transportation in Indiana

If you’re looking for alternatives to driving, Indiana offers a variety of public transportation options. In fact, more than 60 public transit systems operate out of various cities and counties throughout the state. Indiana public transit systems include IndyGo in Indianapolis, the Metropolitan Evansville Transit System, and Citilink in Fort Wayne.

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Tips for getting cheap car insurance in Indiana

Comparing quotes from multiple auto insurance providers in Indiana is the most reliable way to find the cheapest car insurance premiums that fit your insurance needs and driving profile. Choosing to bundle home and auto insurance, increasing your deductible, and utilizing any discounts you’re eligible for will also lower premiums.

Liability-only vs. full-coverage insurance in Indiana

Indiana, like most states, sets minimum requirements for liability insurance, so you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. 

Keep in mind, minimum coverage won’t help you repair or replace your vehicle if you’re at fault for an accident. But liability-only insurance could make sense for you if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Indiana by policy type.

Car Insurance CompanyAverage Monthly Quote: LiabilityAverage Monthly Quote: Full Coverage
American Family$62$100
GEICO$47$75
State Farm$40$64
Travelers$61$96
USAA$44$71
Allstate$102$164
Amica$209$336
AssuranceAmerica$111$181
Bristol West$108$179
Clearcover$71$101
CSAA$189$300
Dairyland$99$223
Direct Auto$126$152
Elephant$88$108
Erie$51$81
Farmers$85$137
Foremost Signature$75$166
Kemper$113$203
Kemper Preferred$73$120
Kemper Specialty$98$186
Liberty Mutual$100$185
Midvale Home & Auto$95$160
National General$87$137
Nationwide$124$146
Progressive$76$122
SafeAuto$73$147
Safeco$76$139
State Auto$84$204
Stillwater$58$146
The General$117$211
Traders$89$178
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Bad Credit Car Insurance Indiana

How your driving history affects Indiana car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Indiana. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Indiana based on driving and accident history.

See More: High-Risk Car Insurance Indiana

Car Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
American Family$92$137$91$121
Farmers$75$112$74$98
State Farm$69$103$69$91
Travelers$93$98$100$111
USAA$59$88$59$77
Allstate$152$225$150$199
Amica$311$463$309$408
AssuranceAmerica$156$251$262$239
Bristol West$159$241$194$236
Clearcover$89$139N/A$148
CSAA$240$490$427$442
Dairyland$209$275$230$263
Direct Auto$133$214$158$211
Elephant$100$131$126$135
Erie$248$369$246$325
Foremost Signature$148$153$187$281
GEICO$127$189$126$166
Kemper$197$221$106$242
Kemper Preferred$108$134N/A$151
Kemper Specialty$173$231$202$226
Liberty Mutual$175$220$183$235
Midvale Home & Auto$134$259$195$233
National General$123$182$161$160
Nationwide$134$184$243$183
Progressive$113$168$112$148
SafeAuto$128$213$176$206
Safeco$127$174$112$161
State Auto$170$290N/A$293
Stillwater$102$162N/AN/A
The General$179$334$283$306
Traders$133$301$191$297
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Car Insurance Indiana

SR-22 insurance in Indiana

The state of Indiana requires drivers who have been convicted of a serious traffic violation to obtain an SR-22 form. This form is proof that you’re meeting all 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:

How credit scores affect Indiana car insurance quotes

The state of Indiana allows insurers to consider people’s credit scores when determining insurance rates. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

Credit TierAverage Monthly Quote
Excellent$125
Good$147
Average$162
Poor$251
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your city affects Indiana insurance quotes

One of the more significant factors that will affect your car insurance rates is the city in which you live due to location-based factors, like population and crime rates. For instance, drivers living in Indianapolis, Terre Haute, and Gary pay more expensive premiums than drivers in cities like Mishawaka, Noblesville, and Anderson. Find the average quote for your city below.

CityAverage Monthly Quote
Anderson$134
Bloomington$158
Carmel$132
Elkhart$136
Evansville$163
Fishers$174
Fort Wayne$156
Gary$213
Greenwood$172
Hammond$170
Indianapolis$178
Kokomo$162
Lafayette$151
Lowell$137
Mishawaka$126
Muncie$156
Noblesville$133
South Bend$150
Terre Haute$180
West Lafayette$154
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your age affects your Indiana car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Age GroupAverage Monthly Rate
Teenagers$317
Under 25$214
20s$145
30s$139
40s$123
50s$102
60s$102
70s$117
80+$148
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for younger drivers

Higher rates for younger drivers is a universal reality of car insurance, although in Indiana, a young driver with a clean driving record may still be able to score a good monthly premium. For example, Clearcover offers a liability-only policy for just $94 per month. However, getting into an accident or having a DUI can bump Clearcover’s premium by 67% or more.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Dairyland$143$286$302$559
National General$124$176$208$316
Progressive$97$165$189N/A
AssuranceAmerica$158$245$305$438
Bristol West$156$241$294$440
Clearcover$94$135$157$243
CSAA$263$394$575$609
Direct Auto$183$211$266$372
Elephant$99$125$142$235
Foremost SignatureN/A$307$386N/A
Kemper$151$262$270$529
Kemper PreferredN/A$148$177N/A
Kemper Specialty$135$240$264$466
Liberty Mutual$154$259$275$505
Midvale Home & Auto$139$218$299$352
Nationwide$205$200$233$368
SafeAuto$102$203$254$352
Safeco$123$192$223$354
State AutoN/A$274$351$468
StillwaterN/A$125N/AN/A
The General$172$299$575$492
Traders$134$280$419$402
TravelersN/A$110$121$207
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for middle-aged drivers

When you’ve gained some driving experience, and are older than 25, you’ll likely see your Indiana car insurance rates drop, especially if you’ve maintained a clean driving record. In fact, full coverage can be very affordable for middle-aged drivers in Indiana; Clearcover offers a full-coverage policy for as little as $83 per month.
 

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Liberty Mutual$66$138$152$263
Progressive$60$101N/A$195
Travelers$64$92$93$181
AssuranceAmerica$74$132$178$227
Bristol West$72$136$168$247
Clearcover$56$83$110$149
CSAA$149$245N/A$420
Dairyland$67$179$204$334
Direct Auto$87$111$137$201
Elephant$81$98$117$183
Foremost Signature$60$136N/A$283
Kemper$79$155N/A$291
Kemper Preferred$63$104$175$195
Kemper Specialty$65$139N/A$255
Midvale Home & Auto$78$124$161$217
National General$55$100$123$185
Nationwide$108$126$144$237
SafeAuto$49$110$132$201
Safeco$61$117$132$217
State Auto$78$185$293$308
StillwaterN/A$158N/AN/A
The General$88$162$202$295
Traders$66$125$178$205
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for senior drivers

Older Hoosiers tend to have the lowest car insurance rates in the state; National General offers rates as low as $43 per month for a minimum-coverage policy. However, an accident or DUI can significantly increase costs for senior drivers.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Liberty Mutual$55$109$110$215
Progressive$53$85N/AN/A
Travelers$55$81$71$163
AssuranceAmerica$79$138$176$253
Bristol West$61$131$165$243
Clearcover$53$68$87$125
CSAA$129$226N/A$418
Dairyland$61$163$188$310
Direct Auto$77$90$108$171
Elephant$73$84$103$157
Foremost Signature$87$106N/A$225
Kemper$80N/AN/AN/A
Kemper Preferred$57$88N/AN/A
Kemper Specialty$69$142$176$261
Midvale Home & Auto$71$110$121$211
National General$43$77N/AN/A
Nationwide$97$97$107$181
SafeAuto$47$99N/A$183
Safeco$59$93$103$179
State AutoN/A$127N/A$231
The General$88$144$170$271
Traders$54$112$143$207
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Indiana car insurance FAQs

  • Indiana drivers have plenty of cheap car insurance options to choose from. Top providers like State Farm, USAA, and GEICO offer the most affordable average premiums alongside smaller auto insurers like Clearcover and Elephant.

    Notably, Travelers provides the cheapest auto rates across numerous driver categories for young, middle-aged, and senior drivers. Indiana drivers who choose coverage from Travelers pay an average of $96 per month for full-coverage insurance and just $61 per month for liability-only coverage.

  • The average monthly car insurance rate in Indiana is much lower than the national average rate, but certain factors and driving infractions can increase rates. Overall, the state ranks as the 16th least safe to drive in, and 18% of Indiana drivers have a recorded driving incident. Indiana drivers rank 17th in speeding tickets, 13th in DUIs, and 11th in accidents.

    Age is one of the most influential factors on car insurance rates. Young and teen drivers pay much more for coverage than middle-aged and senior drivers, especially when they purchase a full-coverage policy or have a DUI or other serious infraction on their record.

  • Indiana drivers spend an average of $158 per month on car insurance coverage. The state ranks as the 11th-cheapest state for purchasing car insurance in the country and is much cheaper than the national average rate of $233 per month. Car insurance in Indiana is cheaper than in three of its four neighboring states, but it's more expensive than in Ohio.

    Within the state, costs vary on a city-by-city basis, with additional variations by driving record, age, credit history, vehicle type, chosen coverage, and more. The current industry conditions are leading to many auto insurers increasing their average insurance rates. Increases stem from supply chain issues and high costs of claims repairs and replacements.

  • Based on Insurify Composite Scores (ICS), the best car insurance companies in Indiana are State Farm, USAA, and GEICO. State Farm earned a high ICS rating of 88 out of 100 and offers Indiana drivers an average auto insurance rate of $64 per month.

    Our data scientists determine ICS ratings through a methodology considering various financial strength ratings, J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, and user-generated company reviews.

  • No, personal injury protection (PIP) coverage is not required for drivers in the state of Indiana. In fact, purchasing PIP coverage isn't even an option. Medical payments coverage, or MedPay, replaces PIP coverage by covering costs related to a car accident, including medical bills, ambulance fees, and even funeral expenses.

    Medical payments coverage is also not required for Indiana drivers to remain in legal compliance with state law. Unlike PIP coverage, however, Indiana drivers can choose to purchase MedPay coverage.

  • Yes, car insurance is required in Indiana. The state requires minimum coverage for private passenger vehicles, including:

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

    • $25,000 per accident for property damage liability[1]

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

    Bodily injury coverage specifically covers the medical expenses of the other driver, not the policyholder. Because Indiana is an at-fault state, the driver responsible for an at-fault accident is held responsible for relevant expenses. Either their car insurance pays or they must do so out of pocket.

  • Indiana auto insurance follows the car rather than the driver. This applies to various types of auto insurance coverage available in the state, like bodily injury liability, property damage liability, collision coverage, comprehensive coverage, and full-coverage policies.

    This means that if someone borrows a policyholder’s car and gets into an accident or other incident, the policyholder’s auto insurance will cover the vehicle as outlined in the policy. If expenses exceed coverage limits, the insurance of the person who borrowed the car may kick in to cover costs.

  • A full-coverage car insurance policy in Indiana covers much more than the state’s minimum insurance requirements for bodily injury liability, property damage liability, and underinsured and uninsured motorist coverage. A full-coverage policy has additional coverage types to provide more protection for the driver, such as comprehensive coverage and collision coverage.

    The benefit of purchasing full-coverage insurance is additional protection in more scenarios, but it’s worth considering whether you should commit to the increased price. Drivers with low-value cars, for instance, may find that less expensive coverage with a bit less protection is a better deal.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates 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. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Sources

  1. III. "Automobile Financial Responsibility Laws By State." Accessed September 3, 2022
Katie Powers
Written by
Katie Powers
Linkedin

Insurance Writer

Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

Learn More
Tanveen Vohra
Edited by
Tanveen Vohra
Linkedin

Editorial Manager

Photo of an Insurify author
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.