120+ more*Quotes generated for Insurify users from Indiana within the last 10 days. Last updated on February 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Indiana within the last 10 days. Last updated on February 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Lequita Westbrooks is a Senior Editor at Insurify. With extensive experience in writing and editing across industries like insurance, personal finance, higher education, and more, she’s passionate about helping readers understand complex topics so they can make informed financial decisions and save money.
Outside of work, Lequita enjoys reading and spending time with her family (and two pups: Bella and Simba).
She holds a bachelor’s degree in English from the University of South Florida.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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Indiana car insurance rates are much lower than the national average of $136 per month. Indiana drivers pay an average of $67 per month for liability coverage and $123 per month for full coverage.
We pulled rates from 120+ insurance companies, and premiums span quite a range. Factors like age, driving history, credit, and coverage choices push rates up and down. That’s the biggest reason shopping around can help you find cheap Indiana car insurance.
Driver Category | Cheapest Insurance Company in Indiana | Cheapest Monthly Quote in IN |
|---|---|---|
| Overall | Auto-Owners | $44 |
| State-minimum coverage | Auto-Owners | $44 |
| Full coverage | Auto-Owners | $78 |
| Drivers with a clean record | Auto-Owners | $44 |
| After a speeding ticket | Auto-Owners | $60 |
| After an at-fault accident | Auto-Owners | $60 |
| After a DUI | Auto-Owners | $64 |
| Teen/new drivers | Auto-Owners | $94 |
| Seniors | Auto-Owners | $35 |
| Bad credit | USAA | $60 |
Liability-only car insurance is the cheapest type of insurance in Indiana. It pays for damage and injuries you cause to someone else, but it doesn’t cover anything that happens to you or your vehicle.
Indiana’s state-minimum coverage averages $67 per month. Auto-Owners and State Farm offer some of the most affordable liability-only car insurance in the state.
If you’re looking for the cheapest insurer in Indiana, consider quotes from the companies in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $44 |
| State Farm | $47 |
| USAA | $50 |
| Progressive | $51 |
| GEICO | $52 |
| Direct Auto | $63 |
| National General | $66 |
| American Family | $70 |
| Hugo | $72 |
| Safeco | $74 |
| The General | $75 |
| Root | $75 |
| Dairyland | $76 |
| CSAA | $81 |
| AssuranceAmerica | $81 |
| GAINSCO | $86 |
| Elephant | $87 |
| Bristol West | $90 |
| Travelers | $94 |
| Farmers | $98 |
| Liberty Mutual | $98 |
| Allstate | $111 |
| Nationwide | $123 |
| State Auto | $233 |
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Anuj Desai
Digital Insurance Agent, Insurify
For some Indiana drivers, liability-only coverage is enough, especially if you have an older, paid-off car and can afford to replace it if needed. However, since Indiana’s minimum liability limits are fairly low, many people choose full coverage for better financial protection — especially if they own a newer car or depend on it daily.
Full-coverage car insurance in Indiana averages $123 monthly, but some companies like Auto-Owners offer lower rates.
Full coverage is more expensive than state-minimum liability insurance because it also pays for your vehicle damages. It often includes higher liability limits, collision coverage, and comprehensive coverage.
Lenders typically require you to have full coverage if you’re financing or leasing your vehicle, so it’s worth shopping around for the best deal. Start with the table showing the cheapest full-coverage rates in Indiana.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $78 |
| State Farm | $82 |
| USAA | $88 |
| GEICO | $91 |
| Progressive | $102 |
| Safeco | $110 |
| Direct Auto | $111 |
| American Family | $122 |
| Root | $124 |
| Elephant | $132 |
| CSAA | $143 |
| Liberty Mutual | $143 |
| The General | $152 |
| National General | $152 |
| AssuranceAmerica | $154 |
| Travelers | $163 |
| Farmers | $171 |
| Bristol West | $179 |
| Allstate | $194 |
| GAINSCO | $213 |
| Nationwide | $214 |
| Dairyland | $271 |
| State Auto | $406 |
*Quotes generated for Insurify users from Indiana within the last 10 days. Last updated on February 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Indiana within the last 10 days. Last updated on February 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Insurify Car offers Indiana drivers weekly auto coverage that you can turn on and off as needed. You’ll pay your premiums seven days at a time, unlike traditional six-month or annual policies. Insurify Car is a great option if you drive occasionally or need short-term protection.
Policies with Insurify Car meet Indiana’s minimum insurance coverage requirements, getting you on the road quickly and cheaply without wading through confusing add-on options. The entire process is online. Quotes are quick (just two minutes), and coverage starts right away.
Indiana car insurance prices can vary from one driver to the next, but we found that certain companies consistently offer lower average rates for Hoosier drivers.
The best car insurance companies in Indiana depend on what you value most — whether that’s personalized service, military-focused benefits, add-on coverage options, and more. Below are some of the best insurers for Indiana drivers.
| 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. | $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. | $82/mo |
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.
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.
State Farm has a huge network of insurance agents throughout 165 Indiana cities. This personalized service matters when you’re handling a claim after a crash or dealing with hail damage after a storm.
Agents can match you with car insurance discounts, such as bundling insurance products. And the company’s Drive Safe & Save program can help you lower premiums.
Personal Price Plan for Indiana drivers
Discounts for Indiana teens and young drivers
Flexible bundling options
Few available add-ons
Accident forgiveness not available
Can’t get a quote online
| 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. | $44/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. | $78/mo |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Auto-Owners stands out for add-on coverage options that let you customize your auto insurance policy. Indiana drivers can get roadside assistance and gap insurance, and accident forgiveness keeps rates low after a crash.
Common loss deductible is another benefit. If a storm damages your car and your roof, you only pay one deductible instead of two.
Many agents throughout Indiana
Above-average J.D. Power claims rating
Many available discounts
Can’t get a quote online
Below-average online tools and mobile app
Service by Indiana agency
| 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. | $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. | $88/mo |
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.
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.
USAA is designed for Indiana’s military families, including those at Grissom Air Reserve Base and Naval Support Activity Crane. It offers deployment storage discounts and easy car insurance policy transfers when you relocate due to a permanent change of station (PCS) — even if you’re going overseas.
Discounts when storing your vehicle
Top-rated claims service by J.D. Power
Shopping discounts and travel perks
Must be a military member or family of one
No local offices in Indiana
Gap insurance not available
Even though the national average for full coverage dropped 6% in 2025 to $178 per month, Indiana’s average car insurance rate still comes in lower, at $123 per month, according to Insurify’s car insurance report.
Prices have been fairly steady in the Hoosier State compared to the swings some other states have seen, as insurers adjust pricing after several years of sharp increases. Our data shows a near-flat change in 2026, with rates increasing just 0.1%.
The table below tracks how the average cost of car insurance in Indiana has shifted over the last five years.
Insurify partners with 120+ top insurers for real-time quotes
Indiana law requires 25/50/25 liability insurance.[1] That means every driver must have the following minimum coverages in Indiana:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000
Uninsured and underinsured motorist coverage: Required unless rejected in writing[2]
Indiana isn’t a no-fault state, and policies only pay up to the coverage limit. If you cause a crash and the total cost is higher than your coverage allows, you’re responsible for paying the difference. That’s why most insurance experts suggest buying more than Indiana’s minimum coverage.
Where you live has a significant effect on car insurance rates across Indiana. Drivers in the state’s larger cities often pay more for insurance because heavier traffic and higher theft rates increase the likelihood of claims.
As you’ll see, Elkhart drivers pay the least for car insurance, while drivers in Indianapolis have the highest rates. The table below shows the average monthly car insurance rates for different cities in Indiana.
City | Average Monthly Quote |
|---|---|
| Elkhart | $81 |
| Evansville | $97 |
| Fort Wayne | $102 |
| Indianapolis | $115 |
| Lafayette | $90 |
| South Bend | $93 |
| Terre Haute | $83 |
Auto-Owners tops the list of cheapest car insurance for Indiana drivers with a clean driving record. A clean driving record puts you in the best position to shop around and lock in lower auto insurance rates.
The table below shows the cheapest rates for drivers with good credit and a clean record in Indiana.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $41 |
| State Farm | $44 |
| USAA | $47 |
| Progressive | $50 |
| GEICO | $51 |
| Direct Auto | $59 |
| National General | $59 |
| American Family | $67 |
| The General | $69 |
| Dairyland | $70 |
| AssuranceAmerica | $70 |
| Hugo | $71 |
| Root | $74 |
| Safeco | $77 |
| GAINSCO | $80 |
| CSAA | $82 |
| Elephant | $82 |
| Bristol West | $86 |
| Travelers | $88 |
| Farmers | $92 |
| Liberty Mutual | $100 |
| Allstate | $109 |
| Nationwide | $114 |
| State Auto | $212 |
Getting a speeding ticket in Indiana isn’t cheap. In Harrison County, for example, if you get a speeding ticket for going between 16 and 25 mph over the speed limit, it’ll cost $167.[3]
A speeding ticket can also increase your car insurance bill, with liability policies averaging $92 monthly for drivers with a speeding ticket. Auto-Owners typically offers the lowest auto insurance quotes for Indiana drivers with a speeding ticket.
Take a look at the table below, which shows the cheapest rates for drivers with a speeding ticket in Indiana.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $60 |
| State Farm | $62 |
| USAA | $68 |
| Progressive | $70 |
| GEICO | $71 |
| Direct Auto | $83 |
| National General | $86 |
| American Family | $95 |
| Hugo | $97 |
| Dairyland | $99 |
| Safeco | $102 |
| Root | $104 |
| The General | $105 |
| GAINSCO | $108 |
| CSAA | $108 |
| AssuranceAmerica | $108 |
| Elephant | $109 |
| Bristol West | $119 |
| Travelers | $128 |
| Farmers | $131 |
| Liberty Mutual | $131 |
| Allstate | $151 |
| Nationwide | $167 |
| State Auto | $324 |
An at-fault accident can raise your premiums because it’s a signal to insurers that you’re a high-risk driver. Indiana is an at-fault state, meaning the driver who caused the crash is generally responsible for the other driver’s damages.
Still, you can find more affordable car insurance in Indiana — Auto-Owners and State Farm are the cheapest companies.
Our data below highlights the cheapest rates for drivers with an at-fault accident in Indiana.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $60 |
| State Farm | $64 |
| GEICO | $70 |
| USAA | $70 |
| Progressive | $73 |
| Direct Auto | $89 |
| National General | $91 |
| Hugo | $93 |
| American Family | $97 |
| Dairyland | $104 |
| Root | $104 |
| The General | $107 |
| Safeco | $107 |
| AssuranceAmerica | $112 |
| GAINSCO | $115 |
| Elephant | $118 |
| CSAA | $122 |
| Bristol West | $123 |
| Travelers | $131 |
| Farmers | $136 |
| Liberty Mutual | $136 |
| Allstate | $154 |
| Nationwide | $172 |
| State Auto | $330 |
A driving under the influence (DUI) conviction can increase your auto insurance premiums. In Indiana, a DUI can result in court costs, jail time of up to one year, a fine of up to $5,000, and license suspension for up to two years.[4] It can also make coverage harder to find, but some Indiana insurers still offer more affordable rates after a DUI.
In Indiana, Auto-Owners offers the lowest rates for drivers with a DUI.
Explore the table below to see some of the cheapest rates for drivers with a DUI in Indiana.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $64 |
| State Farm | $68 |
| USAA | $72 |
| Progressive | $73 |
| GEICO | $75 |
| Direct Auto | $91 |
| National General | $95 |
| American Family | $101 |
| Hugo | $104 |
| The General | $108 |
| Dairyland | $110 |
| Root | $110 |
| Safeco | $115 |
| CSAA | $117 |
| AssuranceAmerica | $117 |
| GAINSCO | $124 |
| Elephant | $126 |
| Bristol West | $130 |
| Travelers | $136 |
| Farmers | $142 |
| Liberty Mutual | $142 |
| Allstate | $161 |
| Nationwide | $178 |
| State Auto | $337 |
Indiana drivers may need an SR-22 to reinstate a suspended driver’s license or to obtain coverage after certain insurance violations. An SR-22 isn’t insurance. Rather, it’s proof of coverage your insurer files with the Indiana Bureau of Motor Vehicles (BMV).[1]
In Indiana, Auto-Owners offers the cheapest SR-22 insurance.
See the table below for the cheapest rates for drivers with an SR-22 in Indiana.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $55 |
| State Farm | $59 |
| USAA | $63 |
| Progressive | $64 |
| GEICO | $65 |
| Direct Auto | $79 |
| National General | $83 |
| American Family | $88 |
| Hugo | $90 |
| Safeco | $93 |
| The General | $94 |
| Root | $94 |
| Dairyland | $95 |
| CSAA | $101 |
| AssuranceAmerica | $101 |
| GAINSCO | $108 |
| Elephant | $109 |
| Bristol West | $113 |
| Travelers | $118 |
| Farmers | $123 |
| Liberty Mutual | $123 |
| Allstate | $139 |
| Nationwide | $154 |
| State Auto | $291 |
Check quotes from 120+ top insurance companies
Indiana’s graduated licensing laws help teens gain experience before allowing unsupervised driving, but having young drivers on your policy typically raises car insurance rates.[5] Student discounts and telematics programs can help offset costs.
For the cheapest teen car insurance, Auto-Owners offers the lowest prices. The table below shows additional insurers offering the cheapest rates for teen drivers in Indiana.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $94 |
| State Farm | $98 |
| USAA | $99 |
| GEICO | $100 |
| Progressive | $107 |
| Direct Auto | $130 |
| Hugo | $136 |
| Dairyland | $139 |
| CSAA | $139 |
| Root | $140 |
| The General | $142 |
| American Family | $142 |
| National General | $143 |
| Safeco | $160 |
| Elephant | $165 |
| GAINSCO | $170 |
| Bristol West | $173 |
| AssuranceAmerica | $179 |
| Liberty Mutual | $186 |
| Travelers | $208 |
| Farmers | $208 |
| Allstate | $235 |
| Nationwide | $257 |
| State Auto | $599 |
Auto insurance rates are often lower for senior drivers — especially those with a safe driving history. But don’t take low rates for granted, as shopping around can often get you a better deal. For instance, Auto-Owners offers the lowest quotes on car insurance for Indiana drivers in their 60s.
The table below shows the cheapest rates for senior drivers in their 60s in Indiana.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $35 |
| State Farm | $37 |
| USAA | $40 |
| GEICO | $41 |
| Progressive | $44 |
| Direct Auto | $51 |
| National General | $52 |
| American Family | $56 |
| Hugo | $62 |
| The General | $63 |
| AssuranceAmerica | $63 |
| Root | $63 |
| Safeco | $64 |
| Dairyland | $65 |
| CSAA | $65 |
| Elephant | $72 |
| GAINSCO | $73 |
| Travelers | $75 |
| Bristol West | $75 |
| Farmers | $77 |
| Liberty Mutual | $82 |
| Allstate | $90 |
| Nationwide | $94 |
| State Auto | $176 |
Credit history affects auto insurance prices more than many people may realize. Indiana insurers can’t deny, cancel, or refuse to renew your policy solely based on your credit.[6] Still, poor credit can mean a higher car insurance premium.
Some companies still offer affordable rates for drivers with bad credit — and USAA is the cheapest option in Indiana.
Explore the table below to see the cheapest rates for drivers with bad credit in Indiana.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $60 |
| Progressive | $62 |
| GEICO | $63 |
| Auto-Owners | $65 |
| State Farm | $67 |
| Direct Auto | $77 |
| National General | $80 |
| American Family | $83 |
| Hugo | $88 |
| Safeco | $90 |
| The General | $91 |
| Root | $91 |
| Dairyland | $92 |
| CSAA | $95 |
| AssuranceAmerica | $99 |
| GAINSCO | $105 |
| Elephant | $106 |
| Bristol West | $110 |
| Travelers | $114 |
| Liberty Mutual | $116 |
| Farmers | $119 |
| Allstate | $135 |
| Nationwide | $150 |
| State Auto | $285 |
Liability quotes in Indiana start at $44/mo.
If you’re shopping for car insurance in Indiana, here’s some additional information to help you in your search for the best policy.
Auto-Owners has the cheapest car insurance premiums in Indiana, according to Insurify data. Its average premiums are $44 per month for a liability policy.
Yes, though $100 per month is above average for car insurance in Indiana. Our data shows that Indiana’s overall average premium is $95, compared to the national average of $136. But your exact rate depends on factors like your coverage level, age, and driving record.
Elephant insurance is often cheap because it sells directly to consumers and uses digital tools, which reduces its overhead costs. It offers multiple discounts, like multi-car, multi-policy, and work-from-home discounts. That means drivers may be able to save up to 40% depending on state and eligibility.
Indiana’s minimum auto insurance requirements are $25,000 per person and $50,000 per accident in bodily injury liability coverage, plus $25,000 per accident in property damage liability coverage. You must also have uninsured and underinsured motorist coverage at the same minimum limits (unless you reject this coverage in writing).
The average full-coverage car insurance premium in Indiana is around $123 per month, according to Insurify data. Your premiums may be higher or lower depending on personal factors like your age, vehicle type, and driving history.
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:
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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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
Featured in
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
Lequita Westbrooks is a Senior Editor at Insurify. With extensive experience in writing and editing across industries like insurance, personal finance, higher education, and more, she’s passionate about helping readers understand complex topics so they can make informed financial decisions and save money.
Outside of work, Lequita enjoys reading and spending time with her family (and two pups: Bella and Simba).
She holds a bachelor’s degree in English from the University of South Florida.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
