Cheapest Car Insurance Quotes in Indiana

Cheapest car insurance quotes in Indiana

Indiana drivers with clean records and good or excellent credit typically find the cheapest average car insurance rates with Auto-Owners, State Farm, and USAA.

Here you can see the 10 cheapest insurers in the state for minimum and full coverage.

The below rates in Indiana are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Auto-Owners	$34	$64
State Farm	$37	$69
USAA	$39	$73
First Chicago	$41	$103
GEICO	$41	$76
Progressive	$43	$62
National General	$49	$116
Direct Auto	$51	$96
American Family	$54	$102
First Acceptance	$58	$128
The General	$58	$138
Trexis	$58	$146
Safeco	$60	$87
Dairyland	$62	$195
Trexis One	$62	$156
AssuranceAmerica	$63	$115
Root	$63	$101
GAINSCO	$67	$169
Liberty Mutual	$70	$117
CSAA	$71	$115
Elephant	$71	$109
Mendota	$72	$146
Travelers	$72	$137
Bristol West	$76	$144
Farmers	$76	$142
Allstate	$86	$162
Nationwide	$95	$179
State Auto	$180	$338

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.

Best-rated insurance companies in Indiana

From heavy congestion in and around Indianapolis to tornadoes and hail around the state, Indiana drivers have several concerns to be aware of. That makes having the right car insurance even more important.

The insurers listed below are some of the best auto insurers in Indiana. All score well in Insurify user reviews and Insurify Quality (IQ) Scores. The IQ Score combines financial strength ratings from AM Best, customer satisfaction from J.D. Power, and complaint data from the National Association of Insurance Commissioners (NAIC).

Ratings also include real reviews from Indiana drivers to give you a fuller view of each company’s performance.

Best for full coverage in Indiana: State Farm

full coverage in Indiana

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User Reviews	4.0 17,568 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.	$37/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

Details

Driver Reviews

4.0

Best choiceBased on 17,568 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 For

Customer service

Competitive rates

Discounts for safe drivers

Showing 21 reviews from Indiana driversSee all 7,465 State Farm reviews

Melody

Verified Review

Great insurance company

Reviewed in Indiana on April 25, 2026

Never had any issues with State Farm since I first got coverage from them in 2018.

Kendall

Verified Review

Good until now...

Reviewed in Indiana on April 25, 2026

Overall good service over the last five years. I also had a small business liability policy. Never any claims, but they suddenly decided that they will not insure my sound and light reinforcement company. It's unfortunate that they are going to lose a good paying customer. I will take all my coverage elsewhere.

Lloyd

Verified Review

Payment Discount

Reviewed in Indiana on April 23, 2026

I called to see if I could get a discount, and I was very happy with the discount I received.

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Our Advice

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

State Farm is a popular choice in Indiana for its strong performance with full-coverage policies. It also stands out for its local agent network, including agents in more than 160 Indiana cities, as well as its competitive bundling discounts.^[1]

Pros

• Extensive local agent presence across Indiana

• Above-average claims satisfaction in the Midwest region

• Strong bundling discounts

Cons

• Higher premiums in urban areas like Indianapolis

• Fewer digital tools than newer competitors

• Discounts vary by ZIP code

Best for minimum coverage in Indiana: Auto-Owners

minimum coverage in Indiana

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User Reviews	4.3 333 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.	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.	$34/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.	$64/mo

Details

Driver Reviews

4.3

Best choiceBased on 333 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	3.9	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 For

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviewsSee all 150 Auto-Owners reviews

James

Verified Review

Does not take care of business. People they send for damage repair are way off base on their pricing

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.

Twitty

Verified Review

Good company, just the rates are too expensive

Reviewed in Florida on April 4, 2026

Uneventful.

Darryl

Verified Review

Insurance Shopping

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.

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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 is a good option for drivers looking for affordable car insurance, especially liability-only coverage. The average rate for liability-only coverage from Auto-Owners in Indiana is consistently among the lowest in the state, according to Insurify data.

Pros

• Some of the lowest liability insurance rates in Indiana

• Common loss deductible available if you bundle auto and home

• More than a dozen discounts available

Cons

• Reviewers give it just 4.0 out of 5 points for claims handling

• Below-average customer satisfaction rating, according to J.D. Power^[2]

• Online quoting not available; must contact an agent

Best for savings in Indiana: Progressive

savings in Indiana

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JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	648
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.	8.7 /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.	$43/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.	$62/mo

Details

Driver Reviews

How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

Based on analysis of verified reviews collected by Insurify

---

Best For

Competitive rates

Easy buying process

Telematics program

Showing 29 reviews from Indiana driversSee all 8,433 Progressive reviews

Robert

Verified Review

Most insurance companies

Reviewed in Indiana on April 27, 2026

Starts out with a medium to high initial payment, then stays high for 6 months. Then, without any accidents, pull-overs, or any problems, the insurance company might decrease the rate by thirty cents. I haven't had any issues since I got my license back several years ago, but my full coverage payment is through the roof, and I can't understand it.

Steven

Verified Review

I paid for a policy upfront for 5 months, and they canceled it because I used my policy in the first month.

Reviewed in Indiana on April 5, 2026

I paid for a policy upfront for 5 months, and they canceled it because I used my policy in the first month.

Donny

Verified Review

Good Insurance for Good People

Reviewed in Indiana on March 22, 2026

Very good insurance, no problems to complain about.

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Our Advice

JD Power

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

648

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.97

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

Progressive is a strong choice for Indiana drivers who want to save on premiums. Its Snapshot program rewards safe driving, which is helpful in a state with roads having high accident rates, like I-65, I-80, and U.S. 31.

Pros

• Telematics discounts for safe driving

• Competitive rates for higher-risk drivers

• Wide discount selection

Cons

• Rates may increase after renewal

• Snapshot not ideal for drivers who speed

• Customer service can vary

Best for customer service in Indiana: USAA

customer service in Indiana

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User Reviews	4.9 3,510 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.	$39/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$73/mo

Details

Driver Reviews

4.9

Best choiceBased on 3,510 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

---

Best For

Members of the military community

Outstanding customer service

Competitive rates

Showing 4 reviews from Indiana driversSee all 1,551 USAA reviews

Don

Verified Review

Good coverage and great customer service.

Reviewed in Indiana on December 30, 2025

My insurance is based on recommendations by USAA to cover my assets. I'm comfortable with my coverage even though it costs more than other insurance companies that cover less.

Lori

Verified Review

More expensive than others

Reviewed in Indiana on September 27, 2025

USAA's auto insurance is higher than other insurance.

Dianne

Verified Review

USAA is good for super good insurance, but it costs much more to receive 'benefits' I don't really need.

Reviewed in Indiana on July 19, 2025

USAA is good for super good insurance, but it costs much more to receive 'benefits' I don't really need.

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Our Advice

JD Power

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

726

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA routinely ranks among the top insurers nationwide in terms of customer service, and that’s good news for the more than 328,000 veterans who call the Hoosier State home.^[3] Insurify customers agree, rating it 4.9 out of 5 for customer service and 4.9 out of 5 for claims handling.

Pros

• High satisfaction among policyholders

• Reliable claims handling

• Other financial products are available

Cons

• Exclusive to military members, veterans, and their families

• Limited mobile tools

• No 24/7 customer service

How much is car insurance in Indiana?

Indiana drivers pay about $1,537 per year for full coverage and around $784 per year for liability-only insurance. Both are below the national averages.

But insurance costs are going up. Severe storms, hail, tornadoes, and straight-line winds are the most common billion-dollar disasters in the U.S., according to the National Oceanic and Atmospheric Administration.^[4] These events often affect Indiana — the state experiences more than 20 tornadoes per year — leading to higher insurance rates and more expensive claims.

Average car insurance quotes in Indiana cities

Car insurance rates can vary widely across Indiana. Cities like Indianapolis have higher premiums due to heavier traffic, higher theft rates, and more accidents. At the same time, you’ll often find lower rates in more rural parts of the state.

Here, you can see how rates vary across several different cities in Indiana.

City	Liability Only	Full Coverage
Anderson	$65	$123
Columbus	$59	$118
Elkhart	$57	$110
Evansville	$68	$129
Fort Wayne	$69	$133
Gary	$77	$165
Goshen	$57	$119
Greenwood	$68	$127
Indianapolis	$73	$150
Jeffersonville	$81	$145
Lafayette	$58	$121
Mishawaka	$61	$119
Muncie	$59	$115
New Albany	$82	$138
South Bend	$61	$126
Terre Haute	$59	$108
West Lafayette	$59	$133

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.

Why you should compare car insurance quotes in Indiana

Car insurance premiums in Indiana can vary widely from one insurer to another. Each company has its own pricing formula and weights factors like your credit, location, and driving history differently, which can lead to big differences in quotes.

This variation is especially clear in Indiana, where driving conditions range from busy city streets in Indianapolis to fast rural highways, each with distinct risks. Insurers also consider factors such as past claims, annual mileage, and where you park your car.

To get the most accurate auto insurance quotes, you should:

• Determine your coverage needs.

• Gather your information, including driver’s license, driving record, and VIN.

• Compare quotes from at least three to five insurers using a comparison platform.

• Use identical coverage limits so quotes are truly comparable.

• Include regional insurers, which often price competitively in Indiana.

• Shop again after major life changes, like moving or buying a car.

• Bundle policies (auto plus home or renters) to unlock car insurance discounts.

• Review discounts annually to avoid missing new savings opportunities.

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Indiana car insurance requirements

Indiana requires drivers to carry coverage that meets certain minimum coverage limits. This means your insurance policy must meet or exceed the following coverage levels:

Coverage Type	Indiana Minimum Limit
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$25,000

Remember, you must carry proof of insurance, and failing to maintain coverage may result in license suspension. The state also requires insurers to offer uninsured/underinsured motorist coverage, though drivers may reject this coverage in writing.

Indiana follows an at-fault system, meaning the driver who is responsible for an accident pays for injuries and damages.^[5]

How to find the cheapest Indiana car insurance

The best way to lower your car insurance costs in Indiana is to focus on the factors you can control, like your credit and driving history.

Indiana’s average credit score is a bit lower than the U.S. average, according to Equifax. This can affect insurance premiums, since many insurers use credit-based insurance scores during the quoting process. People with lower scores often pay higher rates.

To save money on your next auto policy, you can:

• Improve your credit. Insurers see drivers with higher credit-based insurance scores as less risky to insure and will generally offer them a better rate.

• Maintain a clean driving record. Even a single speeding ticket on your record can raise your rates.

• Use telematics programs. If you’re a safe driver who doesn’t speed, opting for a telematics program could save you a lot of money.

• Raise your deductible. A higher deductible leads to lower rates because you’re taking on more of the risk yourself. Just be sure you can afford to pay the deductible should you need to file a claim.

• Bundle auto and home insurance. Many insurers offer savings for bundling coverages. Be sure to ask your insurer what bundling options are available. You may find an opportunity you weren’t expecting.

Find quotes for your driver profile

If you’re looking for more specific information about car insurance in Indiana, check out our extensive library of information. We cover everything from how to find cheap insurance after an at-fault accident to what coverage will pay for vehicle vandalism.

Your auto insurance costs in Indiana depend a lot on your driving history and personal details. Here, you can check out additional articles that will help you find the best policy for you in Indiana.

How car insurance costs have changed in Indiana

Car insurance costs in Indiana increased in 2025 because of higher repair costs, more serious accidents, and inflation, according to Insurify’s Insuring the American Driver Report.

In 2026, average costs will remain largely unchanged, Insurify analysts predict, with just a 0.1% increase possible. Indiana remains one of the more affordable states for car insurance in the country.

Indiana car insurance FAQs