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.
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Written byJamie Johnson
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Jamie JohnsonInsurance and Personal Finance Writer
6 years experience in personal finance writing
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Edited byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
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NPN: 20461358
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Indiana car insurance discounts at a glance
Discount Type  | Maximum Advertised Savings |
|---|---|
| Telematics | Up to 30% |
| Multi vehicle | 25% |
| Multi policy | Up to 25% |
| Safe driver | Up to 30% |
| Good student | Up to 25% |
| Defensive driving | Varies depending on your insurer |
| Military | 15% |
| Low mileage | Up to 20% |
| Vehicle safety features | Varies depending on your insurer |
| New vehicle | 15% |
| Paperless billing | 5% |
| Auto pay | Varies depending on your insurer |
| Loyalty | Varies depending on your insurer |
| Homeowner | Varies depending on your insurer |
| Online quote | 7% |
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Liability quotes in Indiana start at $35/mo.
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Best companies for discounts in Indiana
Available discounts can vary significantly depending on your insurer, so it’s important to find the right one. Here are three of the best car insurance companies for discounts in Indiana.
GEICO
| 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 18,497 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 7,781 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
GEICO is known for offering a large number of discounts for different types of drivers. For example, you could receive a discount for serving in the military, working for the federal government, or being a student. GEICO is also fairly transparent and lists potential discount savings on its website, making it easier to see how much you can save.
The company is also financially stable and offers affordable average rates in Indiana. It provides the basic coverage options you’d expect, like basic liability, collision and comprehensive coverage, and uninsured motorist coverage. But it doesn’t have as many coverage options as other competitors.
Pros
Lower rates for Indiana drivers
Many available discounts
Offers comprehensive digital tools, like a mobile app
Cons
Only a couple of agents in Indiana
Doesn’t offer gap insurance
Fewer coverage add-ons than some competitors
State Farm
| 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. | 9.3 /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. | $36/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 |
4.0
Best choice in IndianaBased on 18,424 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 7,603 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
When Indiana drivers enroll in State Farm’s Drive Safe & Save program, they’ll receive an immediate 10% discount and up to 30% off, depending on their driving data. And unlike other telematics programs, your rates won’t increase.
State Farm also offers some of the best discounts for young drivers, including a good student discount, a defensive driving discount, and a student-away-at-school discount.
Pros
Offers a telematics program
Some of the largest discounts available to teen drivers
Large network of local agents across Indiana
Cons
Doesn’t offer gap insurance
Recently downgraded AM Best financial strength rating
Poor Trustpilot rating
Auto-Owners
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /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. | $35/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. | $65/mo |
4.3
Best choice in IndianaBased on 341 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best in Indiana for
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
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
Auto-Owners offers some of the cheapest average rates in Indiana, and you may be able to lower your rates even further by taking advantage of discounts. You can receive a discount for having certain safety features in your vehicle, enrolling in paperless billing, paying your premiums on time, and paying in full. Multiple discounts are available to students as well.
Plus, Auto-Owners has multiple local agents in Indiana if you want to manage your policy in person.
Pros
Cheap rates in Indiana
Low number of customer complaints
Offers a number of discounts and coverages
Cons
Must finish enrollment with an insurance agent
Limited digital tools compared to other insurers
Below-average J.D. Power customer satisfaction score
Largest car insurance discounts available in Indiana
In Indiana, some discounts will help lower your insurance premiums more than others. While the exact rate you receive will vary by your insurer, the following table outlines some of the largest discounts and how Indiana drivers can qualify.
Discount Type | Potential Savings | Eligibility Criteria | Indiana Insurer With Largest Discount |
|---|---|---|---|
| Telematics program | Up to 30% | Enroll in the program and use a mobile app to track your driving habits | State Farm |
| Safe driving | Up to 30% | Maintain a clean driving record and stay accident-free for a certain period of time | Indiana Farm Bureau |
| Multi policy | Up to 25% | Bundle your auto and home or renters insurance | Progressive |
| Multi vehicle | Up to 25% | Insure multiple vehicles with the same insurance company | GEICO |
| Good student | Up to 25% | Maintain good grades in school | State Farm |
| Low mileage | Up to 20% | Drive less than 8,000 miles per year | USAA |
Drivers can often save the most by demonstrating good driving habits and maintaining a clean driving record. Indiana Farm Bureau offers one of the highest discounts, up to 30%, for safe driving.
If you need to insure multiple vehicles or purchase more than one insurance policy, bundling can be a good way to save. Progressive and GEICO both offer up to 25% off for bundling and multi-vehicle policies.
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Easiest Indiana car insurance discounts to qualify for
Some insurance discounts require very little effort to sign up and qualify for in Indiana. For example, applying for an online quote and enrolling in paperless billing are fairly easy to do, and both can earn you a small discount. The following table shows some of the easiest Indiana auto insurance discounts to qualify for.
Discount | Potential Savings | How to Qualify |
|---|---|---|
| Paperless | 5% | Enroll in paperless billing |
| Loyalty | Varies depending on your insurer | Maintain auto insurance coverage with the same insurer |
| Auto pay | Varies depending on your insurer | Set up recurring automatic payments each month |
| Online quote | Up to 7% | Apply for an initial quote online |
| Safe driving | Up to 30% | Keep a clean driving record |
How to maximize your Indiana car insurance discounts
Here are some strategies you can use to maximize your discounts and receive the biggest savings on car insurance:
Stack your discounts
Most Indiana insurers let you combine multiple discounts on the same auto insurance policy. For example, you can enroll in State Farm’s Drive Safe & Save program and pair those savings with a multi-policy discount.
Bundle your policies
If you’re already paying for multiple insurance policies, you can save money by bundling them with the same insurer.
Enroll in a telematics program
Multiple telematics programs are available to Indiana drivers, like Progressive's Snapshot and Erie's YourTurn. Most offer an immediate discount just for signing up, with additional savings based on your driving habits.
Ask about early shopper discounts
Several Indiana insurers reward drivers who receive a quote before their current policy expires. If you’re nearing your policy renewal, start shopping around a few weeks beforehand.
Maintain a clean driving record
Even one at-fault accident can significantly increase your premium. Maintaining a clean record helps keep your rate low and may help you qualify for an additional discount.
How to apply car insurance discounts to your policy in Indiana
Applying discounts to your Indiana car insurance policy isn’t always automatic, and some require you to take additional actions. The process varies by insurer, but you’ll generally follow these steps:
Verify your eligibility. You can verify any discounts you qualify for by checking with your insurance agent or using your insurer’s online portal.
Provide documentation. You’ll have to prove your eligibility for certain discounts, like a good student or low-mileage discount, or by taking an Indiana defensive driving course.[1] Ask your insurer what additional documentation it needs.
Confirm your insurer applies your discounts. Some discounts apply automatically when you sign up for your policy, while others require certain enrollment steps. Make sure your insurer applied all the discounts you qualify for. You can do this by checking your declarations page and talking to an agent.
Verify your discounts at renewal. Your eligibility can change from year to year, so it’s important to verify that your discounts still qualify at renewal. You should also let your insurance company know about any major life changes, like buying a home, because you may qualify for additional discounts you aren’t aware of.
Shop around. Shop around regularly to compare auto insurance policies and discounts from multiple insurers. Comparing coverage limits and pricing is the best way to save money and find the insurance that’s right for you.
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Cheapest car insurance for Indiana drivers
Indiana is pretty affordable when it comes to car insurance, largely avoiding the sharp rate increases other states experienced in recent years. A recent Insurify report predicts insurance costs will remain largely unchanged in 2026. Indiana’s average rates of $97 per month are well below the national average of $142 per month.
For liability-only coverage, Indiana drivers pay an average of $65 per month. For full coverage, Indiana drivers pay $128 per month, on average.
Indiana drivers pay slightly more than neighboring Ohio drivers, who pay $91 per month. This may be because Indiana requires drivers to carry uninsured/underinsured motorist coverage, while Ohio doesn’t.[2]
The table below shows the cheapest car insurance options available to Indiana drivers.
The below rates in Indiana are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $35 | $65 |
| State Farm | $36 | $69 |
| Progressive | $39 | $58 |
| USAA | $39 | $73 |
| GEICO | $40 | $77 |
| First Chicago | $41 | $104 |
| National General | $48 | $114 |
| Direct Auto | $51 | $97 |
| American Family | $54 | $102 |
| First Acceptance | $56 | $128 |
| The General | $57 | $138 |
| Trexis | $58 | $147 |
| Safeco | $59 | $86 |
| AssuranceAmerica | $61 | $113 |
| Dairyland | $61 | $192 |
| Root | $61 | $100 |
| Trexis One | $62 | $158 |
| GAINSCO | $64 | $167 |
| Liberty Mutual | $69 | $119 |
| Elephant | $72 | $112 |
| Travelers | $72 | $136 |
| Mendota | $73 | $148 |
| CSAA | $75 | $126 |
| Bristol West | $76 | $145 |
| Farmers | $76 | $143 |
| Allstate | $86 | $163 |
| Nationwide | $95 | $179 |
| State Auto | $180 | $339 |
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.
Car insurance discounts in Indiana FAQs
Indiana drivers pay some of the lowest car insurance rates in the country, but you still have ways to save. Here are answers to the most common questions about finding cheap car insurance in Indiana.
How much is car insurance in Indiana?
Indiana drivers pay an average monthly rate of $65 for liability insurance and $128 for full coverage, according to Insurify data. But your exact rate will depend on your driving record, car insurance coverage options, and deductible.
Which car insurance company in Indiana has the cheapest rates?
Auto-Owners has the cheapest average rates in Indiana, at $35 per month for liability insurance. But it’s still a good idea to shop around and compare quotes from at least three different car insurance companies.
What types of discounts are available for car insurance in Indiana?
Indiana drivers can access many discounts, including loyalty, auto-pay, and good driver discounts. You may also be able to earn a discount for taking a state-endorsed defensive driving course, being a homeowner, and bundling policies.
Should you bundle home and auto insurance in Indiana?
Yes. Bundling your auto and home insurance is a good way to save money on both policies and generally nets you one of the highest discounts. In Indiana, Progressive offers the best bundling discount, at up to 25%.
Sources
- Indiana Driver Improvement. "Indiana BMV-Approved Defensive Driving."
- In.gov. "IDOI: Auto Insurance."
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.
)
Jamie JohnsonInsurance and Personal Finance Writer
6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in