Cheapest Auto Insurance in Indiana (2025)

Good news for Indiana drivers: The rate you pay for car insurance is far below the national average. The monthly average rate for liability and full-coverage car insurance in Indiana is $69 and $128, respectively. In comparison, the U.S. national average for liability insurance is $101 per month, and $179 per month for full-coverage premiums.

Car insurance rates are cheaper in Indiana partly because the state has a relatively low population density, and less traffic congestion leads to lower accident frequency and severity.^[1] But securing your own cheap quotes isn’t guaranteed. It depends on your driving record, age, gender, vehicle type, and more.

Here’s how to find affordable car insurance in Indiana.

7 of the cheapest car insurance companies in Indiana

Comparing several insurers based on factors like coverage options, discounts, and price is the best way to find the right car insurance policy for you. The three companies listed in the table below are among the leaders in the Hoosier State. Keep them in mind as you begin your search.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $64/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $68/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $71/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $86/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $132/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $110/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $134/mo*
Overall rating 4.1 6,311 reviews	Overall rating 4.9 1,264 reviews	Overall rating 3.9 6,673 reviews	Overall rating 3.3 7,272 reviews	Overall rating 3.8 1,213 reviews	Overall rating 4.5 477 reviews	Overall rating 3.5 1,774 reviews
Value for money 3.8/5	Value for money 4.9/5	Value for money 3.8/5	Value for money 3.3/5	Value for money 3.5/5	Value for money 4.5/5	Value for money 3.3/5
Customer service 4.1/5	Customer service 4.7/5	Customer service 3.9/5	Customer service 3.3/5	Customer service 3.8/5	Customer service 4.4/5	Customer service 3.3/5
Claims handling 4.1/5	Claims handling 4.9/5	Claims handling 4.1/5	Claims handling 3.5/5	Claims handling 4.0/5	Claims handling 4.5/5	Claims handling 3.6/5
Special highlight AI-generated from 6311 user reviews Customer service	Special highlight AI-generated from 1264 user reviews Members of the military community	Special highlight AI-generated from 6673 user reviews Teen drivers	Special highlight AI-generated from 7272 user reviews Competitive rates	Special highlight AI-generated from 1213 user reviews Bundling discounts	Special highlight AI-generated from 477 user reviews AAA members	Special highlight AI-generated from 1774 user reviews Numerous discounts

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

State Farm

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User Reviews	4.1 6,311 reviews
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.	$47/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.	$80/mo

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Driver Reviews

4.1

Best choiceBased on 12,003 verified guest reviews and ratings

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.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

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.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,311)

Gregory

Verified Review

Longevity Doesn't Pay

Reviewed in West Virginia on October 2025

I'm a customer of 40 years and have never had a ticket. I have had 3 claims over my time with them. I believe my rates are expensive.

Lisa

Verified Review

Very helpful

Reviewed in Virginia on October 2025

They are very nice and pleasant.

Joel

Verified Review

Solid coverage

Reviewed in Illinois on October 2025

I had a recent accident. State Farm covered it with no issues.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

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 offers some of the lowest rates in Indiana, and J.D. Power consistently rates it highly for customer and claims satisfaction. In addition to standard car insurance, the company offers insurance for boats, motorcycles, RVs, and classic cars. You can also get rideshare insurance if you drive for a rideshare company like Uber or Lyft.

Pros

• Largest U.S. auto insurer by market share

• Discounts for accident-free drivers, loyal customers, good students, and more

• Above-average J.D. Power customer satisfaction rating in the Midwest Region

Cons

• Higher rates than some competitors

• Gap insurance only available to drivers who take out a loan through State Farm Bank

• Accident forgiveness coverage restricted to long-time customers

USAA

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User Reviews	4.9 1,264 reviews
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.	$50/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.	$85/mo

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Driver Reviews

4.9

Best choiceBased on 2,269 verified guest reviews and ratings

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.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

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.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,264)

Howard

Verified Review

Avoid USAA

Reviewed in Louisiana on October 2025

Worsening service for increasing costs.

Joe

Verified Review

Car Insurance Rates

Reviewed in Delaware on October 2025

Overall good. However, more than once I was sent emails stating I did not pay insurance for the month. I set it up monthly. They charged me double the next month. Plus, my rate of $99 for minimum coverage went to $137. I am going to investigate this. I am not going to pay that, though most companies are higher.

Halbert

Verified Review

Good

Reviewed in Michigan on October 2025

Lowering car insurance rates!

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

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

USAA could be a good choice for the more than 409,000 Indiana drivers with a military affiliation. In addition to offering competitive rates, the company offers multiple insurance products and is a full-service financial institution. Members of the military community can score unique discounts, such as a discount of up to 15% for garaging their car on base.

Pros

• Savings of up to 30% via SafePilot safe driving telematics program

• AM Best financial strength rating of A++ (Superior)

• Consistently rated highly by J.D. Power in customer and claims satisfaction

Cons

• Only available to members of the military community

• No 24/7 live customer support

• No local office locations in Indiana

GEICO

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User Reviews	3.9 6,673 reviews
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.	$53/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.	$88/mo

Show Details

Driver Reviews

3.9

A solid optionBased on 12,657 verified guest reviews and ratings

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.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

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.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,673)

David

Verified Review

Always looking out for customers.

Reviewed in Florida on October 2025

Lower monthly payment with outstanding coverage.

Cesar

Verified Purchase

Professionalism

Reviewed in on October 2025

I would definitely refer a friend. Pretty awesome.

Lori

Verified Review

Too expensive

Reviewed in New York on October 2025

When I inquired about coverage in NY, the rate more than doubled compared to other companies.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

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 offers competitive rates in Indiana, but Indiana drivers who want to save even more on a car insurance policy should look to GEICO for its many discounts. Drivers can save with discounts for having safety devices in their vehicles, safe driving, being a loyal customer, insuring multiple vehicles, and more.

Pros

• Robust mobile app

• Competitive rates in Indiana

• Numerous available discounts

Cons

• Limited endorsement options compared to competitors

• Doesn’t offer rideshare insurance

• Below-average J.D. Power customer satisfaction rating in the Midwest Region

How to get the cheapest car insurance in Indiana

The rate you pay for car insurance depends on your age, gender, credit history, driving history, location, and more. Some of these factors are outside of your control, but here are some ways you can reduce your car insurance rates:

• Look for discounts. Most car insurance companies offer discounts that can reduce your premium. Before signing a policy, be sure to contact the insurer to learn what discounts you may be eligible for. You may uncover more options than you expect.

• Bundle your policies. You can often qualify for savings when you bundle two or more insurance policies from the same company. Bundle your car insurance with your renters insurance or homeowners insurance and see how much you can save.

• Choose higher deductibles. Choosing a higher deductible often lowers your premium because you’re taking on more of the risk yourself. If you opt for a higher deductible, just be sure it isn’t so high you can’t afford to pay it if you need to file a claim.

• Shop around. Before you purchase car insurance, shop around and compare rates from several different insurance companies. Comparing rates will help you find the most affordable policy for your situation.

Low-cost car insurance in Indiana

Indiana doesn’t offer a low-income insurance program to place drivers with affordable car insurance policies based on income. If you’re looking to lower your car insurance costs, consider comparing quotes from three to five car insurance companies every six months, especially at policy renewal, to make sure you’re always getting the best deal available.

Find Cheap Car Insurance in Indiana

Liability rates start at $45 per month

Enter your ZIP codeView My Quotes

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Based on 7,669+ reviews

4.8/5

Cheapest liability-only car insurance quotes in Indiana: Auto-Owners

Liability-only insurance covers your financial responsibilities when you cause an accident. Specifically, it covers the other party’s injuries and property damage, up to your policy’s limit. Liability-only insurance doesn’t provide any coverage for your vehicle or the medical bills for you or your passengers.

Liability insurance in Indiana costs an average of $69 per month.

The table below shows the cheapest car insurance companies in Indiana for liability-only insurance.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$45
State Farm	$47
Progressive	$49
USAA	$50
GEICO	$53
Direct Auto	$63
American Family	$70
Root	$71
Hugo	$72
Dairyland	$76
The General	$76
Safeco	$77
CSAA	$77
Bristol West	$85
Elephant	$89
GAINSCO	$89
AssuranceAmerica	$92
Travelers	$94
Liberty Mutual	$98
National General	$98
Farmers	$98
Allstate	$112
Nationwide	$123
State Auto	$234

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance quotes in Indiana: Auto-Owners

Full-coverage car insurance provides more protection than liability-only insurance. A full-coverage policy typically includes liability insurance, collision insurance, and comprehensive insurance. While full coverage is optional for most drivers, lenders commonly require it if you lease or finance your vehicle.

Indiana drivers pay a monthly average of $128 for full-coverage insurance.

Below, you can see average full-coverage rates available from several top Indiana insurers.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$75
State Farm	$80
USAA	$85
GEICO	$88
Safeco	$117
Direct Auto	$117
American Family	$118
Progressive	$122
Root	$124
Elephant	$132
CSAA	$143
The General	$155
Travelers	$158
Farmers	$165
National General	$168
Liberty Mutual	$169
AssuranceAmerica	$176
Bristol West	$179
Allstate	$188
Nationwide	$206
GAINSCO	$219
Dairyland	$267
State Auto	$392

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Indiana

Car insurance is a legal requirement in Indiana, and you must carry a minimum amount of coverage to register and drive your car. Indiana requires drivers to carry at least 25/50/25 in personal liability insurance, and you can see what’s included in those requirements in the table below.^[2]

Coverage	Minimum Requirements
Bodily injury liability	$25,000 for one person’s injuries in an accident / $50,000 for all injuries in an accident
Property damage liability	$25,000 for all property damage in an accident

While state law requires drivers to have at least minimum coverage, you may seek to enhance your insurance with optional coverages like the following:

• 

  Gap insurance

  If you lease or finance your vehicle and it gets totaled, gap insurance will cover the difference between the car’s diminished value and the amount you still owe. This endorsement is beneficial if you have negative equity in the car.

• 

  Roadside assistance

  Roadside assistance covers the cost of some basic roadside vehicle services, such as flat-tire changes, fuel delivery, battery replacements, and towing up to a certain distance.

• 

  Accident forgiveness

  Accident forgiveness coverage waives your first at-fault accident so it doesn’t increase your premium. Many insurers only offer accident forgiveness to drivers who have been claim-free or violation-free for a certain length of time.

• 

  Indiana Auto Insurance Plan

  If you’re unable to get car insurance through the voluntary marketplace, you can apply for coverage through the Indiana Auto Insurance Plan. This plan is exclusively available to high-risk drivers who’ve been denied car insurance because of certain risk factors — such their driving record due to major infractions, like a DUI conviction.

Cheapest car insurance companies in Indiana for drivers with an incident

Indiana drivers with incidents on their record, such as speeding tickets and at-fault accidents, often pay higher rates for car insurance than people with a clean record for at least three years following the infraction. More serious violations, like driving under the influence (DUI), usually have the biggest effect on car insurance rates and can cause insurers to drop you altogether, even cancelling your policy mid-term.

In the sections that follow, you’ll see how different incidents affect your car insurance rates.

Cheapest car insurance quotes for drivers with a speeding ticket: Auto-Owners

Getting pulled over for speeding might seem like a harmless offense, but it can cause your car insurance premiums to go up for at least three years via a surcharge added to your bill. The average cost of car insurance for drivers with a speeding ticket in Indiana is $169 per month for full-coverage insurance and $91 for liability-only insurance.

Here, you can see how liability rates from different insurers compare for drivers with clean records and drivers with a speeding ticket.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT. 

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Speeding Ticket
Auto-Owners	$45	$59
State Farm	$47	$60
Progressive	$49	$65
USAA	$50	$65
GEICO	$53	$70
Direct Auto	$63	$81
American Family	$70	$91
Root	$71	$96
Hugo	$72	$101
Dairyland	$76	$97
The General	$76	$103
Safeco	$77	$103
CSAA	$77	$98
Bristol West	$85	$109
Elephant	$89	$109
GAINSCO	$89	$110
AssuranceAmerica	$92	$112
Travelers	$94	$123
Liberty Mutual	$98	$126
National General	$98	$125
Farmers	$98	$127
Allstate	$112	$146
Nationwide	$123	$161
State Auto	$234	$312

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with an at-fault accident: Auto-Owners

If you cause an accident, your car insurance premium will probably go up for several years, unless you added accident forgiveness to your policy. Your premium may even increase after a not-at-fault collision, depending on your insurer. This is because insurers see your involvement in an accident as an indication you’re more likely to be involved in another accident in the future.

Indiana drivers with an accident on their record pay an average of $93 per month for liability coverage and $173 for full coverage.

Here, you can see the cheapest liability-only rates for drivers in Indiana with an at-fault accident on their record.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT. 

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Accident
Auto-Owners	$45	$59
State Farm	$47	$62
Progressive	$49	$66
USAA	$50	$66
GEICO	$53	$68
Direct Auto	$63	$86
American Family	$70	$93
Root	$71	$93
Hugo	$72	$96
Dairyland	$76	$101
The General	$76	$105
Safeco	$77	$108
CSAA	$77	$108
Bristol West	$85	$112
Elephant	$89	$117
GAINSCO	$89	$115
AssuranceAmerica	$92	$113
Travelers	$94	$125
Liberty Mutual	$98	$130
National General	$98	$130
Farmers	$98	$130
Allstate	$112	$148
Nationwide	$123	$164
State Auto	$234	$314

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with a DUI: Auto-Owners

Driving under the influence is one of the most serious violations you can have on your record. If you’ve been convicted of a DUI, your car insurance premium will increase significantly and a DUI conviction can stay on your driving record for 5–10 years. In some cases, your insurer may drop you altogether.

The average rate for liability coverage for drivers with a DUI in Indiana is $93 per month, and the average full-coverage rate is $173 per month.

In the table below, you can see how having a DUI on your record affects your car insurance rates in Indiana.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT. 

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With DUI
Auto-Owners	$45	$63
State Farm	$47	$66
Progressive	$49	$66
USAA	$50	$70
GEICO	$53	$72
Direct Auto	$63	$88
American Family	$70	$98
Root	$71	$98
Hugo	$72	$101
Dairyland	$76	$107
The General	$76	$107
Safeco	$77	$117
CSAA	$77	$108
Bristol West	$85	$119
Elephant	$89	$125
GAINSCO	$89	$125
AssuranceAmerica	$92	$129
Travelers	$94	$132
Liberty Mutual	$98	$138
National General	$98	$138
Farmers	$98	$138
Allstate	$112	$157
Nationwide	$123	$173
State Auto	$234	$328

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for seniors: Auto-Owners

For most drivers, car insurance rates decrease around age 25 and increase again at age 70. Senior drivers are more likely to experience age-related vision, mobility, and other health changes that can increase the risk of a collision. In addition, the risk of being severely injured in a car accident increases with age.

Senior drivers in Indiana pay an average of $58 per month for liability-only policies.

Below, you can see the cheapest car insurance companies for seniors in Indiana.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT. 

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
Auto-Owners	$36	$60
State Farm	$37	$63
USAA	$41	$69
Progressive	$42	$103
GEICO	$42	$70
Direct Auto	$50	$94
American Family	$56	$94
Root	$59	$104
CSAA	$60	$111
Dairyland	$62	$218
The General	$63	$128
Safeco	$67	$102
Bristol West	$70	$147
AssuranceAmerica	$71	$136
Elephant	$74	$110
GAINSCO	$75	$184
Travelers	$75	$125
National General	$76	$131
Farmers	$77	$130
Liberty Mutual	$81	$140
Allstate	$91	$153
Nationwide	$94	$157
State Auto	$179	$299

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for teens: Auto-Owners

Teen drivers typically pay some of the highest rates for car insurance. This is because data shows that young drivers ages 16–19 have a higher accident rate than drivers in any other age group.^[3] Teen drivers are also more likely to make critical driving errors that can cause serious accidents, such as distracted driving.

Liability-only insurance for Indiana teens costs an average of $148 per month, and full-coverage insurance costs $275 per month.

While it’s difficult for teens to avoid high car insurance rates, they can lower their car insurance premiums in a few ways. For example, staying insured on a parent’s policy is usually much cheaper than getting an individual policy. You can also look for car insurance companies that offer smart student discounts or safe driver discount programs. Although if you’re a minor teen, you’ll need the written consent of a parent or guardian in order to purchase an auto insurance policy.

The table below shows the cheapest car insurance companies for teens in Indiana with their own insurance policies.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT. 

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
Auto-Owners	$94	$157
State Farm	$98	$167
USAA	$100	$170
GEICO	$104	$173
Progressive	$105	$262
Direct Auto	$134	$249
Root	$135	$236
Dairyland	$139	$487
American Family	$143	$241
CSAA	$144	$267
The General	$144	$294
Safeco	$166	$252
Bristol West	$166	$350
Elephant	$168	$250
GAINSCO	$182	$447
Liberty Mutual	$189	$326
AssuranceAmerica	$200	$383
Travelers	$206	$347
Farmers	$207	$348
National General	$215	$369
Allstate	$239	$401
Nationwide	$259	$435
State Auto	$606	$1,016

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Indiana

Liability policies for teens start at $94/mo.

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 7,669+ reviews

4.8/5

Indiana car insurance quotes by credit tier

In Indiana, car insurance companies are allowed to consider your credit history when calculating your insurance premium. Statistically, drivers with poor credit-based insurance scores are more likely to file insurance claims, so they pay higher insurance rates than drivers with good insurance scores.

Below, you can see the average monthly car insurance premium for Indiana drivers in different credit tiers.

Car insurance rates across Indiana cities

Indiana car insurance companies take into account your particular location, down to your city and ZIP code, when setting your car insurance rates. That’s because where you live influences your likelihood of filing a claim based on factors like vehicle crime rates, weather patterns, and traffic rates. This is why car insurance rates in Indiana vary widely based on your city. Check out the table below to see the average car insurance rates for cities across Indiana.

Indiana car insurance FAQs