Best Home and Auto Insurance in Indiana (2026)
American Family and USAA are two of the best companies for home and auto bundling discounts in Indiana.
Secure. Free. Easy-to-use.
4.7 / 515K reviews
)
Written byAnna Baluch
)
Anna BaluchAuto and Home Insurance Writer
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Featured in
){kind=small}
){kind=small}
){kind=small}
)
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.
Average cost of home and auto insurance in Indiana
Indiana residents pay average monthly rates of $97 for car insurance and $189 for homeowners insurance. The state’s premiums are lower than the national average and cheaper than those in nearby Michigan and Illinois.
The Hoosier State’s affordable coverage for both car owners and homeowners is likely due to its lower fatal crash rate and fewer extreme weather events.[1] [2]
The table below shows average car and home insurance costs in Indiana, according to Insurify data.
Coverage Type  | Average Annual Cost in Indiana |
|---|---|
| Car insurance (full coverage) | $129 |
| Home ($300K dwelling) | $2,268 |
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.
Shop for Car Insurance in Indiana
Compare quotes from top insurers and get the coverage you need at the best price
Excellent
4.7 out of 5 based on 14,943 reviews
Secure. Free. Easy-to-use.
Best home and auto insurance companies in Indiana
The best home and auto insurance companies in Indiana are American Family, USAA, GEICO, Farmers, and Westfield, according to Insurify research. These insurers offer generous bundling discounts, strong claims satisfaction, and competitive rates.
Insurance Company | Best for | 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. | Bundling Discount |
|---|---|---|---|
| American Family | Add-ons | 9.3 | Up to 40% |
| USAA | Military drivers and homeowners | 9.1 | Up to 10% |
| GEICO | Discounts | 9.2 | Varies |
| Farmers | Drivers with green homes | 8.5 | Up to 10% |
| Westfield | Drivers with high-value homes | N/A | Varies |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
American Family: Best for add-ons
| User Reviews | 4.5 |
|---|---|
| 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. | $54/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. | $102/mo |
4.5
Best choice in IndianaBased on 633 verified driver reviews and ratings
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.6 | 2.9 |
| Policy transparency | 4.5 | 3.1 |
| Value | 4.3 | 2.9 |
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best in Indiana for
Showing recent national reviewsSee all 270 American Family reviews
Verified Review
Reviewed in Nevada on May 26, 2026
I recommend this insurance to everyone. Great rates and excellent customer service. I am very happy with this company.
Verified Review
Reviewed in Missouri on May 25, 2026
Rates are high and they don't want to work with you to bring them down.
Verified Review
Reviewed in Tennessee on May 24, 2026
Good company but expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
642
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
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
American Family serves Hoosiers with a variety of car and home insurance policies. For example, you can choose from gap insurance, accident forgiveness, flood insurance, and roof damage coverage. The insurer also offers some of the lowest rates in Indiana, plus a bundling discount of up to 40%.
Pros
Local agents in Indiana
AM Best financial strength rating of A (Excellent)
High Trustpilot rating
Cons
Fewer home and auto insurance discounts than competitors
Not accredited by the Better Business Bureau (BBB)
Below-average J.D. Power property claims satisfaction rating
USAA: Best for military drivers and homeowners
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $39/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. | $73/mo |
4.9
Best choice in IndianaBased on 3,758 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best in Indiana for
Showing 3 reviews from Indiana driversSee all 1,590 USAA reviews
Verified Review
Reviewed in Indiana on December 30, 2025
My insurance is based on recommendations by USAA to cover my assets. I'm comfortable with my coverage even though it costs more than other insurance companies that cover less.
Verified Review
Reviewed in Indiana on September 27, 2025
USAA's auto insurance is higher than other insurance.
Verified Review
Reviewed in Indiana on July 19, 2025
USAA is good for super good insurance, but it costs much more to receive 'benefits' I don't really need.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
726
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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
More than 300,000 veterans live in Indiana, according to the U.S. Census Bureau. If you’re one of them or part of the military community, USAA is a good choice for bundling your car and auto insurance. The insurer offers some of the cheapest rates in the state, and you can save even more with its military-specific discounts.
Pros
AM Best financial strength rating of A++ (Superior)
Highly rated mobile app
Above-average J.D. Power property claims satisfaction rating
Cons
Available only to military personnel and their families
No physical locations in Indiana
Poor Trustpilot rating
GEICO: Best for discounts
| User Reviews | 4.0 |
|---|---|
| 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. | 9.2 /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. | $40/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. | $77/mo |
4.0
Best choice in IndianaBased on 18,635 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Indiana for
Showing 14 reviews from Indiana driversSee all 7,798 GEICO reviews
Verified Review
Reviewed in Indiana on April 19, 2026
Not a bad experience, but I'm not sure why they are so expensive.
Verified Review
Reviewed in Indiana on April 13, 2026
They are too high-priced now. I'm looking for other insurance. Geico keeps raising the fees while I see other insurance companies staying low-priced.
Verified Review
Reviewed in Indiana on April 3, 2026
Geico has always been there when we need them, plus they have the lowest premium of all major insurance companies.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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
In addition to its bundling discount, GEICO advertises a long list of other discounts. The insurer offers savings for safe driving, federal employees, and home security features. GEICO also has local agents available in Evansville and Indianapolis for in-person service.
Pros
Free online home and auto insurance quotes available
AM Best financial strength rating of A+ (Superior)
Highly rated mobile app
Cons
Homeowners insurance available only through third parties
Poor Trustpilot rating
Not accredited by the BBB
Farmers: Best for drivers with green homes
| User Reviews | 3.8 |
|---|---|
| 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. | 8.5 /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. | $76/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. | $142/mo |
3.8
A solid option in IndianaBased on 2,408 verified driver reviews and ratings
Farmers's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.5 | 3.1 |
| Value | 3.2 | 2.9 |
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Based on analysis of verified reviews collected by Insurify
Best in Indiana for
Showing recent national reviewsSee all 1,121 Farmers reviews
Verified Review
Reviewed in California on May 27, 2026
I've been happy with Farmers for years, very happy. I need to save money. That's why I'm looking for a better price.
Verified Review
Reviewed in Kansas on March 3, 2026
Expensive car insurance, but cheaper house insurance and cheaper umbrella. As a result, a combo of the three makes them competitive with other companies.
Verified Review
Reviewed in Minnesota on February 27, 2026
Farmers made changing insurance easy and called to make sure I have what I need. It's half the cost of my previous insurance.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
588
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28
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
If you’re a driver with a green home, Farmers is worth exploring. Eco-friendly homes are popular in Indiana, and the Hoosier Environmental Council encourages both builders and homeowners to consider them. You can take advantage of the company’s green home discount, plus a variety of other ways to save.
Pros
Online bundling quotes available
Many local agents throughout Indiana
24/7 claims processing
Cons
Fewer insurance options than other companies
Below-average J.D. Power property claims satisfaction rating
Not accredited by the BBB
Westfield: Best for drivers with high-value homes
| User Reviews | 4.2 |
|---|
4.2
Best choice in IndianaBased on 31 verified driver reviews and ratings
Westfield's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.4 | 2.9 |
How drivers feel about Westfield
Customers appreciate the quick customer service and consistent rates but dislike the high cost and unexplained rate increases.
Based on analysis of verified reviews collected by Insurify
Best in Indiana for
Showing recent national reviews
Verified Review
Reviewed in West Virginia on March 5, 2026
I am a senior veteran without claims, no accidents, and no tickets. My vehicle is 18 years old, yet my auto insurance is over $100/month. It appears there is no acknowledgment of my good condition.
Verified Review
Reviewed in Kentucky on June 18, 2025
Best premium for coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
676
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.33
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
Indiana has luxury homes throughout the Hoosier State. If you’re a driver who owns a high-value property in areas like Sagamore in Noblesville or Thorpe Creek in Fishers, Westfield is a solid choice for auto and home insurance. The WesPak policy lets you bundle your coverage and add extras like home equipment and cyber insurance.
Pros
Offers free safe driving and safe home features
Local agents available across Indiana
Wide variety of available add-ons
Cons
Quotes not available online
Not rated by J.D. Power
Fewer discounts than competitors
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 customers. We prioritized competitive rates, homeownership discounts or bundling options, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, and specialty or supplemental coverages.
What affects home and auto insurance rates in Indiana?
Many factors play a role in home and car insurance costs in Indiana, including:
Population density: Indiana residents usually pay higher rates in urban areas with more traffic congestion, like Indianapolis. On the other hand, people in smaller towns like Rensselaer typically spend less on coverage.[3]
Weather risk: Though storms and snow occur in Indiana, the Hoosier State has fewer extreme weather events than nearby states like Ohio and Illinois. As a result, insurance premiums tend to be cheaper.
Crime rate: Burglary and motor vehicle theft are less common in Indiana than in surrounding states, such as Illinois. That helps keep home and auto insurance rates in Indiana more affordable.[4]
Find Cheap Car Insurance
Check quotes from Indiana’s top insurers and save money today
Excellent
4.7 out of 5 based on 14,943 reviews
Secure. Free. Easy-to-use.
Is bundling home and auto insurance worth it in Indiana?
In most cases, it’s a good idea to bundle your home and car insurance policies in Indiana. Many insurers offer bundling or multi-policy discounts. Depending on the insurer, you could save between 10% and 40% on your insurance coverage. Combining policies can also make them easier to manage, rather than dealing with multiple insurers.
For example, if you live in Indianapolis and bundle your home and auto coverage with American Family, you could save up to 40% on your premiums.
Pros
Discounts of up to 40%
Easier account management
Cons
May have fewer coverage options
Could miss out on cheaper stand-alone home or auto rates
Best home and auto insurance in Indiana FAQs
Below are answers to some common questions about bundling home and car insurance in Indiana.
What is the best home and auto insurance in Indiana?
American Family, USAA, GEICO, Farmers, and Westfield are among the best companies to explore in Indiana, according to Insurify research. But the best home and auto insurance company varies by your budget, coverage needs, deductible, and location.
What is the cheapest home and auto insurance bundle in Indiana?
It depends. American Family offers the highest bundling discount in Indiana, up to 40%. But your driver and homeowner profiles in Indiana determine which home and auto insurance bundle is cheapest for your situation.
How can you bundle home and auto insurance in Indiana?
To bundle your home and auto coverage in Indiana, get quotes for both car insurance and homeowners insurance from the same insurer. You can then buy your bundle directly through the insurance company or work with an insurance agent.
Sources
- Insurance Institute for Highway Safety. "State by state."
- National Oceanic and Atmospheric Administration. "Indiana Summary."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Federal Bureau of Investigations. "Crime Data Explorer."
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
)
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.
)
Best Car Insurance in Indiana
State Farm, Auto-Owners, and USAA are three of Indiana’s best car insurance companies.
)
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
If you finance or lease your vehicle in Indiana, you might benefit from gap insurance. But state law doesn’t require it.
)
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.
)
Cheap Car Insurance in Indiana With Bad Credit
The cheapest car insurance company for Indiana drivers with bad credit is Auto-Owners. Its rates average $52 per month 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 $98 per month for liability-only car insurance.
How Much Is Car Insurance in Indiana?
Drivers in Indiana pay an average of $1,160 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 $98 per month for liability insurance and $194 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.
)
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.
)
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 $48 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 $58 per month.
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
State Farm 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.
)
Anna BaluchAuto and Home Insurance Writer
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Featured in
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