Cheap Car Insurance in Indiana With Bad Credit (2026)
The cheapest car insurance company for Indiana drivers with bad credit is Auto-Owners. Its rates average $52 per month for liability coverage.
Secure. Free. Easy-to-use.
4.7 / 515K reviews
)
Written byCarley Clark
)
Carley ClarkInsurance Writer
5+ years experience in personal finance writing
Personal finance blogger
)
Edited byMacKenzie Korris
)
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
)
Reviewed byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Quick Facts
Indiana drivers with poor credit pay about 24% more for auto insurance than drivers with good credit.
Indiana law allows insurers to use your credit history as a rating factor but prohibits denying you solely because of it.
To potentially lower your rate, ask your insurer to update it at renewal using your most current credit information.[1]
Cheapest car insurance in Indiana for bad credit
Auto-Owners offers the cheapest Indiana car insurance for drivers with bad credit, averaging $35 per month for liability coverage. Progressive has the cheapest full-coverage rates, at $71 per month.
But factors outside your credit history can also affect your car insurance costs. Your age, driving record, vehicle, and place of residence also influence your rate, according to the Indiana Department of Insurance (IDOI).[2]
For example, drivers in higher-density areas like Indianapolis or Fort Wayne may pay more than drivers in smaller cities like Elkhart or Terre Haute.
To find the cheapest coverage for your situation, the IDOI recommends getting quotes from multiple insurers. Below are average rates for drivers with poor credit across several auto insurance companies.
The below rates in Indiana are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Progressive | $46 |
| USAA | $47 |
| GEICO | $49 |
| First Chicago | $50 |
| Auto-Owners | $52 |
| State Farm | $53 |
| National General | $57 |
| Direct Auto | $62 |
| American Family | $64 |
| First Acceptance | $68 |
| The General | $70 |
| Trexis | $71 |
| Hugo | $72 |
| Safeco | $72 |
| AssuranceAmerica | $73 |
| Dairyland | $73 |
| Root | $74 |
| Trexis One | $76 |
| GAINSCO | $78 |
| Liberty Mutual | $82 |
| Elephant | $87 |
| Travelers | $88 |
| Mendota | $89 |
| Bristol West | $93 |
| Farmers | $93 |
| CSAA | $94 |
| Allstate | $105 |
| Insurify Car | $113 |
| Nationwide | $116 |
| State Auto | $220 |
Disclaimer: Table data sourced from real-time Indiana car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Indiana may vary based on the policy buyer's unique driver profile.
Shop for Indiana Auto Insurance
Liability rates for bad credit start at $52 per month
Excellent
4.7 out of 5 based on 15,342 reviews
Secure. Free. Easy-to-use.
Average Indiana car insurance rates by credit tier
Indiana drivers with poor credit pay $118 per month, on average, for auto insurance coverage. That’s about 24% more than drivers with good credit.
Indiana’s average car insurance cost for drivers with poor credit is lower than the national average of $173 per month. It’s also below Illinois’ average of $150 per month but higher than Ohio’s $114 per month.
The table below compares cheap car insurance for drivers in Indiana with excellent, good, fair, and poor credit.
Credit Tier | Indiana Average Monthly Rate | National Average Monthly Rate |
|---|---|---|
| Excellent | $89 | $124 |
| Good | $95 | $136 |
| Fair | $99 | $148 |
| Poor | $118 | $173 |
Disclaimer: Table data is based on real-time Indiana quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How credit affects car insurance rates in Indiana
Indiana law allows insurers to use your credit history during underwriting, but with restrictions. Insurers can’t deny or cancel your policy solely based on your credit history or not having a credit card account.
When you apply for a policy, insurers must disclose that they may pull your credit report. This credit check is a soft inquiry, so it won’t affect your credit score.
Insurers review your credit history — factors like payment history and outstanding debt — to generate a credit-based insurance score.[3] This score helps predict the likelihood that you’ll file a claim.
Insurance companies use credit-based insurance scores because research shows a link between lower scores and higher insurance claim frequency. While your credit doesn’t necessarily reflect your driving habits, drivers with poor credit tend to file more claims, so they often pay higher premiums.[4]
How to get cheaper Indiana car insurance with bad credit
Indiana drivers with bad credit typically pay higher car insurance rates, but the following tips can help you lower your premiums:
Request a rate review at renewal. You have the right to ask your insurer to review your policy at annual renewal using your most current credit information. If your credit history has improved since you purchased your policy, you may qualify for a lower premium.
Maintain continuous coverage. A lapse in coverage may result in higher rates when you buy a new policy. Driving without insurance in Indiana also requires an SR-22 to reinstate your license after a suspension.
Compare insurance quotes. The IDOI recommends shopping around with multiple companies to compare car insurance rates, since premiums can vary significantly for identical coverage in Indiana. Getting at least three quotes regularly — especially after your credit improves — could help you save.
Consider a usage-based insurance (UBI) program. Telematics programs can track your driving habits and lower your premiums. Indiana drivers with poor credit can use UBI programs to demonstrate safe driving and lower risk.
Drop full coverage on older vehicles. If your vehicle is worth less than $2,000, the IDOI says you may not need collision coverage. Carrying only Indiana’s minimum required coverage can lower your monthly costs.
Bundle your auto policy. Indiana insurers often offer a discount when you bundle your auto policy with homeowners or renters insurance, according to the IDOI. Bundling is a simple way to save, even if you have a low credit score.
Is bad credit considered ‘high risk’ in Indiana?
Insurers typically view bad credit as an indication of higher risk, which may make it harder to find coverage through a traditional car insurance company. That said, Indiana law prohibits insurers from denying or canceling auto insurance policies solely because of credit information, so a low credit score alone doesn’t make you a high-risk driver.
In Indiana, serious driving violations such as an operating while intoxicated (OWI) conviction, an at-fault accident, or multiple traffic violations in your driving history affect your insurance rates more than poor credit alone.
For example, about 14% of Indiana drivers drive without insurance, according to the Insurance Information Institute. Driving without insurance could lead to a license suspension, which requires you to file an SR-22 to reinstate coverage.
High-risk drivers pay much higher auto insurance rates than drivers who simply have bad credit, with an OWI increasing the average premium to $97 per month in Indiana.
Compare Indiana Car Insurance Quotes
Insurify partners with top insurers for real quotes
Excellent
4.7 out of 5 based on 15,342 reviews
Secure. Free. Easy-to-use.
Best car insurance in Indiana for drivers with bad credit
Nearly 1,900 licensed insurers operate in the state of Indiana, according to the National Association of Insurance Commissioners (NAIC). But not all of them weigh credit history the same way.
The companies below are our picks for the best Indiana car insurance for drivers with bad credit based on pricing, coverage options, and customer satisfaction.
Progressive: Best for affordability
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 648 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| 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. | $38/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. | $61/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Indiana for
Showing 33 reviews from Indiana driversSee all 8,650 Progressive reviews
Verified Review
Reviewed in Indiana on June 22, 2026
My price kept going up, and I’ve never had an accident or a ticket.
Verified Review
Reviewed in Indiana on June 8, 2026
Expensive, but they always seem to be there when I need customer service questions answered.
Verified Review
Reviewed in Indiana on June 3, 2026
Progressive gave us the best rate. The policy was under my husband’s name, and they were wonderful. Everything was going well, and he had a couple of claims, so of course, the policy went up—that's to be expected. But then, for the next two years, it continued to keep going up with no more claims, just higher rates every renewal. We got it for six months. The amount was higher, so we did a quote with Progressive under my name, which lowered the rate by over $200. Everything was great again, no claims, and my rate started to go up. I’ve been with Progressive for three years now, and we’re currently paying $400 a month for two drivers and two cars. I’ve been looking at a lot of quotes, trying to find the best option for us, and I think we’re going with Allstate. This surprised me because I feel like the bigger names usually have a bigger price tag, but I can lower my deductible on Comprehensive. With Progressive, it was $500; with Allstate, the deductible for comprehensive would be zero dollars. Our deductible for collision through Progressive is $500, and through Allstate, the deductible would be $250. We also got added benefits for personal property, medical payments, and custom equipment, and the rate would be $140 less than what it was through Progressive! I will admit that Progressive would’ve gotten five stars for the first year, but due to the increasing rates, I’m rating them 2.5 to 3.
…
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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+
Why we picked this company
Progressive offers the most affordable rates for Indiana drivers with poor credit, for both liability and full coverage. Full coverage is worth considering in Indiana, where comprehensive coverage can protect against hailstorms and collision insurance can cover accidents on icy winter roads. Progressive also offers several discounts, including Snapshot, which can further lower rates.
Pros
Affordable premiums for Indiana drivers with poor credit
AM Best financial strength rating of A+ (Superior)
Below-average number of complaints reported to the National Association of Insurance Commissioners (NAIC)
Cons
Below-average J.D. Power customer and claims satisfaction ratings
Poor customer ratings with the Better Business Bureau
Snapshot could raise rates for risky driving
State Farm: Best for agent network
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $37/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. | $69/mo |
4.1
Best choice in IndianaBased on 19,042 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Indiana for
Showing 23 reviews from Indiana driversSee all 7,699 State Farm reviews
Verified Review
Reviewed in Indiana on May 24, 2026
Too expensive - they doubled my payment.
Verified Review
Reviewed in Indiana on May 3, 2026
Rates are not transparent. Premiums have increased every few months with no explanation why. I have a clean driving record and no claims.
Verified Review
Reviewed in Indiana on April 25, 2026
Never had any issues with State Farm since I first got coverage from them in 2018.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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++
Why we picked this company
State Farm has an extensive agent network for in-person support across Indiana, including in smaller cities like Muncie and Bloomington. Although premiums are higher than those of some competitors for Indiana drivers with poor credit, State Farm offers several discounts, including those for enrolling in Drive Safe & Save, maintaining a clean record, and bundling.
Pros
Above-average J.D. Power customer and claims satisfaction ratings
Largest insurer in the country by market share
AM Best financial strength rating of A+ (Superior)
Cons
Indiana drivers with poor credit may find lower premiums from competitors
Higher-than-expected complaints reported to the NAIC
No accident forgiveness
Root: Best for safe drivers with poor credit
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.9 /10 |
| 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. | $61/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. | $101/mo |
3.4
A solid option in IndianaBased on 1,434 verified driver reviews and ratings
Root's score | Industry average | |
|---|---|---|
| Coverage options | 3.2 | 3.2 |
| Customer service | 2.4 | 3.6 |
| Discounts | 2.8 | 2.9 |
| Policy transparency | 3.1 | 3.1 |
| Value | 2.8 | 2.9 |
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
Based on analysis of verified reviews collected by Insurify
Best in Indiana for
Showing 5 reviews from Indiana driversSee all 547 Root reviews
Verified Review
Reviewed in Indiana on June 22, 2026
Cheap coverage just to have something. Claims are slow to process. The company will hold no-fault accidents against you. Claim repairs do not get paid in full. You really do get what you pay for.
Verified Review
Reviewed in Indiana on March 22, 2026
No accidents, but my premiums increased an average of 20% at every renewal with the explanation being that's the industry.
Verified Review
Reviewed in Indiana on December 28, 2025
Rates are cheap at first but constantly increase through no fault of your own. Higher rates compared to others.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.93
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
Why we picked this company
Root sets its rates primarily based on driving behavior, which could help safe Indiana drivers with poor credit save on premiums. After you download the app, Root tracks habits such as braking, speeding, and phone use, weighing that data more heavily than credit history. Root doesn’t currently offer renters insurance in Indiana, though, which limits its bundling options.
Pros
Telematics-first pricing
Great Trustpilot rating
Highly rated mobile app
Cons
Indiana drivers with poor credit may find lower premiums from competitors
Higher-than-expected complaints reported to the NAIC
Not ranked in J.D. Power studies
Our editorial team analyzed regional and national auto insurance companies that sell policies in Indiana to assess which offer the best rates, coverage options, customer service, and savings to drivers with low credit scores. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
Indiana car insurance with bad credit FAQs
Finding affordable Indiana car insurance with bad credit can be challenging. The information below can answer common questions about rates, insurers, and available discounts.
What company has the cheapest car insurance in Indiana?
Indiana drivers can find the cheapest liability quotes from Auto-Owners, at a monthly average of $52. Your actual premium may differ depending on your location, driving profile, and vehicle type.
What are the minimum auto insurance requirements in Indiana?
Indiana car insurance laws require drivers to carry $25,000 in bodily injury liability per person, $50,000 for multiple people per accident, and $25,000 in property damage liability.
How can you find affordable car insurance in Indiana with bad credit?
You can find the most affordable car insurance coverage by getting quotes from multiple car insurance companies in Indiana. An insurance agency can also help you compare insurance options and find the best price.
Are there any discounts available for Indiana car insurance if you have bad credit?
Even with bad credit, you can still qualify for car insurance discounts in Indiana. Insurers often offer savings for driving fewer miles, bundling auto and home insurance, and completing a defensive driving course. Students who maintain at least a B average and people who keep a clean driving record also qualify for discounts.
Sources
- In.gov. "Indiana General Assembly."
- Indiana Department of Insurance (IDOI). "A Consumer’s Guide to Auto Insurance."
- Naic.org. "Credit-Based Insurance Scores Aren’t the Same as a Credit Score. Understand How Credit and Other Factors Determine Your Premiums."
- Insurance Information Institute. "Background on: Insurance scoring."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
Best Car Insurance in Indiana
State Farm, Auto-Owners, and USAA are three of Indiana’s best car insurance companies.
)
Cheap Car Insurance for Teen Drivers in Indiana
Auto-Owners has the cheapest car insurance for teens in Indiana, with an average liability rate of $75 per month.
)
Rideshare Insurance in Indiana: Costs, Requirements, and Best Companies
Uber and Lyft provide liability coverage for their drivers, but that won’t protect your vehicle if you’re in an accident while waiting for a ride request. Under Indiana law, your personal auto insurer can deny claims when you log in to a TNC app without a rideshare endorsement.
)
Gap Insurance in Indiana
Gap insurance is an add-on that covers the difference between the amount you owe on a financed vehicle and what your insurer pays after a total loss. Progressive offers the cheapest rates in Indiana.
)
Cheap Car Insurance for Senior Drivers in Indiana
Auto-Owners is the cheapest insurer for seniors in Indiana, with an average monthly rate of $28 for liability coverage.
)
Car Insurance Discounts in Indiana
Indiana drivers can save money by bundling their auto and home insurance, maintaining a good driving record, and signing up for a telematics program.
OWI Car Insurance in Indiana: Costs, Laws, and Cheapest Companies
Drivers in Indiana with an operating while intoxicated (OWI) conviction on their record pay an average of $97 per month for liability-only car insurance.
Best Home and Auto Insurance in Indiana
American Family and USAA are two of the best companies for home and auto bundling discounts in Indiana.
How Much Is Car Insurance in Indiana?
Drivers in Indiana pay an average of $1,161 per year for car insurance.
)
Cheap SR-22 Insurance in Indiana From $49
The average cost of SR-22 car insurance for drivers with a DUI in Indiana is $97 per month for liability insurance and $193 for full coverage.
Indiana Car Insurance Requirements in 2026
Indiana requires all vehicles to have at least 25/50/25 liability, uninsured motorist (UM), and underinsured motorist (UIM) coverage. You may decline UM/UIM coverage in writing.
)
Cheap Car Insurance for Low-Income Drivers in Indiana
Auto-Owners has the cheapest liability car insurance in Indiana, with an average rate of $35 per month.
)
Cheap Car Insurance in Indiana After a Speeding Ticket
Auto-Owners offers the cheapest liability-only rates in Indiana for drivers with speeding tickets, averaging $49 per month.
)
Temporary Car Insurance in Indiana: What Your Short-Term Options Really Are
Temporary car insurance policies don’t really exist in Indiana, but Insurify Car is an option that allows drivers to pay for coverage in seven-day increments.
Cheapest Liability Car Insurance in Indiana
Indiana drivers can find the cheapest liability-only car insurance from Auto-Owners, with an average rate of $35 per month.
Cheap Full-Coverage Car Insurance in Indiana
Indiana drivers can find the cheapest full-coverage car insurance from Progressive, with an average rate of $61 per month.
)
Cheapest Car Insurance In Indiana After an Accident
Auto-Owners offers the cheapest car insurance in Indiana after an accident, with an average monthly rate of $48 for liability coverage.
Non-Owner Car Insurance in Indiana
Non-owner car insurance provides liability coverage for drivers in Indiana who don’t own a car. Non-owner insurance is typically cheaper than liability or full-coverage policies in Indiana.
)
Car Insurance Grace Period in Indiana: Are You Covered After Buying a Car?
Indiana law guarantees current policyholders at least 14 days of liability coverage after a vehicle purchase. Drivers with a full-coverage policy also receive four days of physical damage coverage — though your insurer may offer a longer grace period.
Classic Car Insurance in Indiana
In Indiana, classic car coverage requires limited use and secure storage, especially in winter. Make sure your policy includes agreed-value coverage to ensure you receive the full insured amount if your car is totaled.
Indiana Car Insurance Laws
Every newly written liability policy in Indiana must include uninsured (UM) and underinsured motorist (UIM) coverage. It’s possible to decline UM/UIM coverage, but you must do so in writing.
Cheapest Car Insurance Quotes in Indiana
Insurify users in Indiana have found liability-only quotes starting at $36 per month and full-coverage quotes starting at $48 per month.
)
Cheapest Auto Insurance in Evansville, Indiana
Auto-Owners offers the cheapest car insurance in Evansville, with minimum-coverage policies as low as $36 per month.
)
Cheapest Auto Insurance in Terre Haute, Indiana
Auto-Owners has the cheapest car insurance in Terre Haute, with liability rates as low as $30 per month.
)
Cheapest Auto Insurance in Fort Wayne, Indiana
Auto-Owners offers the cheapest car insurance in Fort Wayne, with minimum-coverage policies as low as $36 per month.
)
Cheapest Auto Insurance in South Bend, Indiana
Auto-Owners has the cheapest liability coverage in South Bend, at a monthly rate of $34.
)
Cheapest Auto Insurance in Lafayette, Indiana
Auto-Owners offers the cheapest car insurance in Lafayette, with minimum-coverage policies as low as $32 per month.
)
Cheapest Auto Insurance in Elkhart, Indiana
Auto-Owners offers the cheapest car insurance in Elkhart, with minimum-coverage policies as low as $30 per month.
Cheap Car Insurance Quotes in Indianapolis (June 2026)
Auto-Owners offers some of the cheapest car insurance in Indianapolis, with liability rates averaging $40 per month. Traffic on Interstate 465 and I-70 regularly exceeds 150,000 vehicles per day, contributing to congestion, accidents, and higher car insurance rates across the city.
)
Carley ClarkInsurance Writer
5+ years experience in personal finance writing
Personal finance blogger
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in