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Cheap Auto Insurance Quotes in Indiana (January 2022)
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Last Updated: January 2022
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 companies 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.
| Cheapest Companies | |
|---|---|
Progressive | $23/mo |
 State Farm | $51/mo |
 Allstate | $87/mo |
 Travelers | $95/mo |
 Nationwide | $106/mo |
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 company reviews. The following are the top rated companies that offer car insurance in Indiana. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
Nationwide | $106/mo | |
 American Family | $151/mo | |
State Farm | $51/mo | |
Allstate | $87/mo | |
 Liberty Mutual | $126/mo | |
Progressive | $23/mo | |
Travelers | $95/mo |
Car Insurance in Indiana
Auto insurance costs will vary between locations and insurance companies. 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 $3 billion project to extend the I-69 highway from Evansville to Indianapolis. Indianapolis drivers rank among the worst in the nation, according to Insurify's 2018 study of top cities with the worst drivers.
Quotes by Top Companies
Quotes ($/mo)
$52
$78
$116
$145
$154
$174
ProgressiveState FarmTravelersNationwideThe GeneralAmerican Family
Monthly $
| City | Cheapest Company | |
|---|---|---|
| Indianapolis | Progressive | $52/mo |
| Fort Wayne | Progressive | $44/mo |
| Evansville | Progressive | $39/mo |
| South Bend | Progressive | $36/mo |
| Carmel | Progressive | $37/mo |
| Fishers | Progressive | $26/mo |
| Bloomington | Progressive | $25/mo |
| Hammond | Progressive | $31/mo |
| Gary | Progressive | $32/mo |
| Lafayette | Progressive | $23/mo |
| Muncie | Progressive | $24/mo |
| Terre Haute |  State Farm | $63/mo |
| Noblesville | State Farm | $59/mo |
| Kokomo | State Farm | $64/mo |
| Anderson | State Farm | $59/mo |
| Greenwood | State Farm | $63/mo |
| Elkhart | State Farm | $53/mo |
| Mishawaka | State Farm | $60/mo |
| Jeffersonville |  Travelers | $89/mo |
| New Albany |  Clearcover | $81/mo |
| West Lafayette | Clearcover | $74/mo |
Cheapest Liability Auto Insurance in Indiana
For drivers in Indiana, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Indiana. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Indiana.
| Cheapest companies | |
|---|---|
Progressive | $64/mo |
Travelers | $66/mo |
 USH&C | $67/mo |
 Clearcover | $70/mo |
 SafeAuto | $72/mo |
Cheapest Full Coverage Auto Insurance in Indiana
For drivers in Indiana, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Indiana. The following are the best insurance rates from carriers that offer full coverage auto insurance in Indiana.
| Cheapest companies | |
|---|---|
Clearcover | $99/mo |
Progressive | $109/mo |
Travelers | $109/mo |
 Elephant | $122/mo |
SafeAuto | $134/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
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 Company | |
|---|---|
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 Company | |
|---|---|
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.
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 Company | |
|---|---|
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 Company | |
|---|---|
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 Company | |
|---|---|
Buckeye | $19/mo |
Erie | $21/mo |
Celina | $22/mo |
Cincinnati | $24/mo |
USAA | $44/mo |
SR-22 Insurance in Indiana
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Indiana on your behalf.
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.
For more detailed rates on specific personas and driving histories, use our Indiana insurance rate resources.
Insurify Insights: How Indiana Drivers Measure Up
Moving Violations Rank
Indiana
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Indiana drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Indiana
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. Among all fifty states, Indiana drivers rank 15 in the number of car accidents per driver.
- Rank of States: #15
- Percent of drivers in Indiana with an accident: 11.22%
- Drivers in IN with an accident in their driving history paid on average 44% more than drivers with a clean record
Speeding in Indiana
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Indiana drivers rank 24 in the number of speeding infractions per driver across all fifty states.
- Rank of States: #24
- Percent of drivers in Indiana with a speeding ticket: 10.63%
- Drivers in IN with a speeding ticket in their driving history paid on average 37.6% more than drivers with a clean record
DUI/DWIs in Indiana
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Indiana drivers rank 11 in the number of DUI’s per driver across all fifty states.
- Rank of States: #11
- Percent of drivers in Indiana with a DUI: 3.02%
- Drivers in IN with a DUI in their driving history paid on average 10.4% more than drivers with a clean record
Most Popular Vehicle in Indiana
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Indiana is the Chevrolet Malibu.
Rude in Indiana
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Indiana drivers rank 19 in rude driving infractions.
- Rank of States: #19
- Percent of drivers in Indiana with a reckless driving violation: 1.83%
- Drivers in IN with a reckless driving violation in their driving history paid on average 36% more than drivers with a clean record.
Safest Drivers in Indiana
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Indiana drivers rank 34 in clean driving records across all fifty states.
- Rank of States: #34
- Percent of drivers in Indiana with clean record: 78.53%
Street Racing in Indiana
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Indiana drivers rank 39 in street racing violations per driver.
- Rank of States: #39
- Percent of drivers in Indiana with a street racing violation: --%
Failure to Yield the Right of Way in Indiana
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Indiana drivers rank 36 in failure to yield violations per driver across all fifty states.
- Rank of States: #36
- Percent of drivers in Indiana with a failure to yield violation: 0.31%
- Drivers in IN with a failure to yield violation in their driving history paid on average 30.4% more than drivers with a clean record
Reckless Drivers in Indiana
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. Among all fifty states, Indiana drivers rank 26 in the number of reckless driving offenses per driver.
- Rank of States: #26
- Percent of drivers in Indiana with a reckless driving offense: 0.09%
Hybrid/Electric Vehicle Ownership in Indiana
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Indiana drivers rank 22 in hybrid and electric vehicle ownership across all fifty states.
- Rank of States: #22
- Percent of drivers in Indiana with a hybrid/electric vehicle: 0.92%
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.
Fishers
% of Hybrids / Electrics
5%
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 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.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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