Cheap Full-Coverage Car Insurance in Indiana (2026)
Indiana drivers can find the cheapest full-coverage car insurance from Progressive, with an average rate of $58 per month.
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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John LeachLicensed P&C Agent, Chief Copy Editor
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Quick Facts
Drivers in Indiana pay an average of $128 per month for full-coverage car insurance.
Full-coverage car insurance in Indiana costs well below the national monthly average of $186.
Indiana experiences thunderstorms that produce severe hail, which may increase overall rates. Full-coverage insurance protects against hail damage.
Cheapest full-coverage car insurance in Indiana
The average cost of car insurance in Indiana for a full-coverage policy is $128 per month, according to Insurify data. Progressive is the cheapest car insurance company in Indiana for full coverage, with an average monthly cost of $58.
Below, you can compare full-coverage quotes from the cheapest car insurance companies in Indiana.
The below rates in Indiana are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote: Full Coverage |
|---|---|
| Progressive | $58 |
| Auto-Owners | $65 |
| State Farm | $69 |
| USAA | $73 |
| GEICO | $77 |
| Safeco | $86 |
| Direct Auto | $97 |
| Root | $100 |
| American Family | $102 |
| First Chicago | $104 |
| Elephant | $112 |
| AssuranceAmerica | $113 |
| National General | $114 |
| Liberty Mutual | $119 |
| CSAA | $126 |
| First Acceptance | $128 |
| Travelers | $136 |
| The General | $138 |
| Farmers | $143 |
| Bristol West | $145 |
| Trexis | $147 |
| Mendota | $148 |
| Trexis One | $158 |
| Allstate | $163 |
| GAINSCO | $167 |
| Nationwide | $179 |
| Dairyland | $192 |
| State Auto | $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.
How much is full-coverage insurance in Indiana?
Indiana drivers pay an average of $128 per month for full-coverage car insurance. This is much lower than the national average of $186 per month.
Indiana’s lower-than-average rates are likely due to its lower population density, in part due to its dozens of rural counties.[1] That said, drivers in Gary, Indianapolis, and Jefferson pay slightly higher average rates than drivers in other Indiana cities, according to Insurify data.
Indiana drivers will almost always pay more for full coverage than for liability coverage, since it offers more protection. Factors such as your vehicle type, driving record, location, age, and coverage levels will affect your full-coverage rates. Young drivers pay the highest rates in Indiana, with an average rate of $262 per month.
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How to find cheap full-coverage car insurance in Indiana
While full-coverage car insurance is more expensive than liability-only coverage, you can still secure affordable car insurance in Indiana.
Here are a few things you can try to get lower rates:
Keep a clean driving record. The best way to keep your car insurance rates low is to maintain a clean driving record. Safe driving gives insurers fewer reasons to increase your rates.
Apply for discounts. Most insurers offer multiple car insurance discounts that can lower your rates, such as paying-in-full, good student, paperless, loyalty, and accident-free discounts. Ask your insurance agent which discounts you qualify for.
Increase your deductible. Your car insurance premium and deductible are inversely related, so raising your deductible will automatically lower your rates. Just make sure you can afford your new deductible.
Bundle policies. If you need multiple insurance policies, consider bundling your car insurance with other insurance products, such as renters insurance, from the same insurer. Many companies offer hefty savings for this.
Compare car insurance quotes. It’s a good idea to get an auto insurance quote from at least three insurers before buying a car insurance policy, as you may find cheaper rates for the same coverage with certain companies.
What full-coverage car insurance covers
Full-coverage car insurance isn’t a unique policy type. It’s a term for car insurance coverage that includes liability, collision, and comprehensive insurance. Full coverage can also include uninsured/underinsured motorist coverage (UM/UIM) and medical payments coverage.
Here’s what each type of insurance covers:
Liability insurance
Liability insurance pays for bodily injury coverage, such as medical bills, lost wages, legal costs, and property damage coverage, such as vehicle damages, and property damages for other people affected in an at-fault accident.
Collision insurance
Collision insurance covers damages to your own vehicle resulting from a collision with another car or object.
Comprehensive insurance
Comprehensive insurance pays for damage to your vehicle from a non-collision event, like theft, hail, vandalism, and animal strikes.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damages or injuries caused by a driver with no insurance or not enough coverage.
Medical payments coverage
Medical payments coverage pays for medical expenses for you and your passengers after a car accident.
In addition to a driver’s license, every driver in Indiana must have the state’s minimum liability limits before getting behind the wheel.[2]
Here’s what you’ll need to purchase:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident
Indiana also requires insurers to offer uninsured/underinsured motorist coverage, but drivers can choose to decline it. That said, if drivers purchase UM/UIM, they must have the same 25/50/25 minimum liability limits listed above.[3]
While this is all you legally need to have in Indiana, most insurance professionals recommend increasing liability coverage limits and buying additional coverages, such as collision, comprehensive, medical payments, and uninsured motorist coverage.
A liability-only policy won’t cover damage to your vehicle, which is why it’s a good idea to consider a full-coverage policy.
Minimum vs. full-coverage car insurance in Indiana
Minimum coverage meets Indiana’s legal requirements, but it can leave your own vehicle unprotected, meaning you could be on the hook for expensive damages. Full coverage protects your vehicle more thoroughly with both collision and comprehensive coverage.
If you have an older vehicle that’s low in value, liability-only auto coverage may be enough, as your vehicle may not be worth repairing or replacing in the event of an accident. If you have a new car and can’t afford to pay for repairs out of pocket, full-coverage insurance may be worthwhile.
Here are some factors to consider before deciding what policy type to buy.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Indiana | $65 | $128 |
| Covers damage to your own car? | No | Yes |
| Covers damage to other car? | Yes | Yes |
| Covers injury to other driver? | Yes | Yes |
| Covers your injury? | No | Yes |
| Covers weather/theft protection? | No | Yes |
| Covers animal-related vehicle damage? | No | Yes |
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.
Is full-coverage car insurance worth it in Indiana?
Whether full-coverage auto insurance is worth it in Indiana depends on your car’s value, your financial situation, and your risk tolerance.
Indiana isn’t a particularly dangerous state to drive in, but it has its risks, just like anywhere. For example, Indiana faces risks from severe thunderstorms, which often come with hail. The Hoosier State had 91 reports of severe hail in 2024.[4]
A full-coverage insurance policy can cover this hail damage after you pay your deductible out of pocket. With liability-only insurance, you’d be on the hook for the hail damage to your vehicle, which can be quite costly.
If you have an auto loan or lease, your lender will likely require you to have full-coverage car insurance.
Find Cheap Full-Coverage Insurance in Indiana
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Pros and cons of full-coverage car insurance in Indiana
Pros
Better protection than a liability-only policy
Financial peace of mind
Protection against uninsured/underinsured drivers
Cons
Higher monthly premiums
Might not be worth it for older vehicles
You’ll still need to pay a deductible
Full-coverage car insurance in Indiana FAQs
The answers below can help you find cheap full-coverage car insurance in Indiana.
What insurance company has the cheapest full-coverage car insurance in Indiana?
Progressive has the cheapest full-coverage car insurance in Indiana, with an average rate of $58 per month. But the cheapest company may not always be the right choice for you. You should explore multiple Indiana auto insurance companies by comparing quotes and coverage options before picking a policy.
How much does full-coverage car insurance cost in Indiana?
Full-coverage car insurance costs $128 per month in Indiana. For comparison, the national average monthly cost of full coverage is $186.
How can you get cheaper full-coverage car insurance in Indiana?
You can do a few things to get cheaper full-coverage car insurance in Indiana. Consider taking a defensive driving course, try to keep your driving record clean, increase your premiums, apply for discounts, bundle policies, and compare car insurance quotes from multiple Indiana car insurance companies.
Keep in mind that the best car insurance companies don’t always offer the cheapest rates, so don’t just pick the lowest price.
What affects full-coverage car insurance rates in Indiana?
Factors like your vehicle type, location, driving record, credit history, chosen coverages, and age affect your full-coverage car insurance rates in Indiana. High-risk drivers, such as those with a driving under the influence (DUI) conviction or more than one speeding ticket, will pay higher rates than safe drivers with clean driving records.
Sources
- Indiana Judicial Branch. "Map of Rural Indiana Counties."
- Indiana Bureau of Motor Vehicles. "Proof of Financial Responsibility."
- Indiana Department of Insurance. "Auto Insurance."
- Indiana Department of Homeland Security. "Thunderstorms."
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.
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
Featured in
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
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in