Cheap Car Insurance for Senior Drivers in Indiana
Auto-Owners is the cheapest insurer for seniors in Indiana, with an average monthly rate of $28 for liability coverage.
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Written byKat Tretina
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Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
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Edited byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Reviewed byKatie Powers
)
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
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Quick Facts
On average, Indiana seniors pay $57 per month for liability insurance and $111 per month for full-coverage policies.
The cheapest insurer for Indiana seniors is Auto-Owners, with monthly rates averaging $28 for liability coverage.
In Indiana, more than 14,000 animal-related collisions occur each year. Because of this, senior drivers need to be cautious when driving in more rural areas, particularly during dawn and dusk hours.[1]
Best car insurance companies for seniors in Indiana
Approximately 18% of Indiana’s population is age 65 or older. Although no one insurance company is best for every driver, Indiana seniors find the cheapest insurance by shopping around and comparing quotes.
If you’re a senior driver in Indiana, the following insurers are among the best companies in the state.
American Family: Best for new car owners
| User Reviews | 4.5 |
|---|---|
| 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. | $54/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. | $102/mo |
4.5
Best choice in IndianaBased on 632 verified driver reviews and ratings
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.6 | 2.9 |
| Policy transparency | 4.5 | 3.1 |
| Value | 4.3 | 2.9 |
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best in Indiana for
Showing recent national reviewsSee all 270 American Family reviews
Verified Review
Reviewed in Nevada on May 26, 2026
I recommend this insurance to everyone. Great rates and excellent customer service. I am very happy with this company.
Verified Review
Reviewed in Missouri on May 25, 2026
Rates are high and they don't want to work with you to bring them down.
Verified Review
Reviewed in Tennessee on May 24, 2026
Good company but expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
642
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
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
Drivers age 55 and older make up the majority of new vehicle registrations, and American Family can make sense for seniors who purchase a new car.
American Family offers gap insurance, which can cover the difference between what you owe on a car loan and the vehicle’s value if someone steals it or you damage it beyond repair in an accident.
Plus, American Family has a low-mileage discount for drivers who cover fewer than 8,000 miles per year. If you’re retired and no longer have a commute, you may benefit from that discount and save money.
Pros
Offers gap insurance
Lower-than-average premiums
Offers a low-mileage discount
Cons
Limited number of agents in Indiana
Lower-than-average rating in J.D. Power U.S. Auto Claims Satisfaction Study
Mixed reviews for mobile app
Progressive: Best for drivers in rural areas
| 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. | $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. | $58/mo |
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 in Indiana for
Showing 31 reviews from Indiana driversSee all 8,582 Progressive reviews
Verified Review
Reviewed in Indiana on June 3, 2026
Progressive gave us the best rate. The policy was under my husband’s name, and they were wonderful. Everything was going well, and he had a couple of claims, so of course, the policy went up—that's to be expected. But then, for the next two years, it continued to keep going up with no more claims, just higher rates every renewal. We got it for six months. The amount was higher, so we did a quote with Progressive under my name, which lowered the rate by over $200. Everything was great again, no claims, and my rate started to go up. I’ve been with Progressive for three years now, and we’re currently paying $400 a month for two drivers and two cars. I’ve been looking at a lot of quotes, trying to find the best option for us, and I think we’re going with Allstate. This surprised me because I feel like the bigger names usually have a bigger price tag, but I can lower my deductible on Comprehensive. With Progressive, it was $500; with Allstate, the deductible for comprehensive would be zero dollars. Our deductible for collision through Progressive is $500, and through Allstate, the deductible would be $250. We also got added benefits for personal property, medical payments, and custom equipment, and the rate would be $140 less than what it was through Progressive! I will admit that Progressive would’ve gotten five stars for the first year, but due to the increasing rates, I’m rating them 2.5 to 3.
Verified Review
Reviewed in Indiana on May 30, 2026
They can't decide what to charge; it's different every month.
Verified Review
Reviewed in Indiana on May 18, 2026
Don't go with Progressive. They keep raising my premiums $30-$40 per month every 6 months. I'm 59 years old and have never been in a wreck that was my fault, never filed a claim, don't speed, don't take off fast, don't tailgate, and never have anyone in my vehicle with me. If anything, my premiums should be going down.
…
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
Nearly 29% of Indiana’s population lives in rural areas, so senior drivers face unique risks such as animal-related collisions and debris from farm equipment. For seniors in the Hoosier State, Progressive offers low rates and multiple coverage add-ons to help protect you and your vehicle.
Add-ons include loan or lease payoff protection, vehicle protection plans, and coverage for custom parts and equipment. Plus, Progressive has a large network of agents across Indiana if you prefer speaking with someone who understands the risks in the state.
Pros
Lower rates than competitors
Multiple coverage add-ons available
Multi-policy discounts for renters and homeowners
Cons
Lower-than-average rating in J.D. Power U.S. Auto Insurance Study
Poor Trustpilot rating
No military or affiliation discounts
USAA: Best for veterans
| 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. | $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 |
4.9
Best choice in IndianaBased on 3,740 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.8 | 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 in Indiana for
Showing 3 reviews from Indiana driversSee all 1,589 USAA reviews
Verified Review
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.
Verified Review
Reviewed in Indiana on September 27, 2025
USAA's auto insurance is higher than other insurance.
Verified Review
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.
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
With over 450,000 veterans living in the state, Indiana is No. 16 in the country based on veteran population. If you or your spouse served in the military, USAA can offer benefits like competitive rates and usage-based insurance programs.
Also, if you’re a snowbird and head south to get out of Indiana’s harsh winters, USAA offers a discount of up to 60% for storing your car.
Pros
Multiple usage-based insurance programs
Car storage discounts
Lower-than-average rates
Cons
Poor Trustpilot rating
No senior discount
Limited availability
Our editorial team analyzed our proprietary data, more than 80,000 verified user reviews, and third-party industry ratings to choose the best insurers for senior drivers in Indiana. We also weighed rate affordability for senior drivers, coverage options, available senior-friendly and senior-specific discounts, customer satisfaction rankings, customer service reviews, and financial strength.
How much does car insurance for seniors cost in Indiana?
On average, Indiana drivers in their 60s pay 17% less for coverage than drivers in their 30s.
For state-minimum liability coverage, which includes bodily injury liability and property damage liability coverage, Indiana seniors pay a monthly rate of $57. For full coverage, Indiana seniors pay $111 per month, on average.
As is common in other states, rates increase for Indiana drivers aged 70 or older, as insurers generally consider older drivers higher risk. Indiana suggests older drivers be proactive by taking driving training, asking about medication side effects, and getting regular eye exams to stay safe while driving.[2]
Despite insurers considering them higher risk, drivers 75 and older have the lowest collision rate of any age group in Indiana, and older drivers are much less likely to have collisions due to speed or alcohol.[3]
The graph below shows how rates change by age in Indiana and which age groups have the cheapest car insurance rates.
The below rates in Indiana are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Rates by Age Group
Insurance Company | Average Monthly Quote: 60s | Average Monthly Quote: 70s |
|---|---|---|
| Auto-Owners | $28 | $28 |
| State Farm | $28 | $28 |
| USAA | $32 | $33 |
| GEICO | $32 | $32 |
| Progressive | $34 | $36 |
| First Chicago | $36 | $38 |
| National General | $38 | $40 |
| Direct Auto | $42 | $44 |
| American Family | $43 | $43 |
| AssuranceAmerica | $48 | $53 |
| First Acceptance | $49 | $51 |
| The General | $49 | $51 |
| Trexis | $50 | $53 |
| Hugo | $51 | $54 |
| Safeco | $52 | $53 |
| Dairyland | $52 | $56 |
| Trexis One | $54 | $57 |
| GAINSCO | $55 | $59 |
| Root | $56 | $60 |
| CSAA | $58 | $63 |
| Liberty Mutual | $58 | $59 |
| Travelers | $58 | $60 |
| Elephant | $59 | $62 |
| Farmers | $60 | $61 |
| Mendota | $63 | $67 |
| Bristol West | $64 | $66 |
| Allstate | $70 | $70 |
| Nationwide | $73 | $74 |
| Insurify Car | $81 | $85 |
| State Auto | $137 | $145 |
Car insurance discounts for senior drivers in Indiana
Indiana seniors may qualify for discounts that lower their car insurance premiums. Common discounts in Indiana include:
Accident prevention course discount: In Indiana, drivers aged 55 or older who complete an approved accident prevention or defensive driving course can qualify for a discount.
Low-mileage discount: Drivers 65 or older tend to drive fewer miles than other age groups, so they may be eligible for a low-mileage discount. In Indiana, drivers who qualify can reduce their auto insurance rates by anywhere from 10% to 25%.
Multi-vehicle discount: Approximately 10% of Indiana drivers own more than one vehicle. If you need to insure multiple cars, you may be eligible for a multi-vehicle discount.
Safe driving discount: Indiana seniors are less likely to be in collisions than other age groups, and being a safe driver and avoiding at-fault accidents can allow you to reduce your rates.
Multi-policy discount: The average homeowner age in Indiana is 56. If you own a home, you could save money by taking advantage of multi-policy discounts and bundling your auto coverage with renters insurance, life insurance, or your homeowners insurance policy.
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How to get cheap car insurance for Indiana seniors
As a senior driver in Indiana, you have several ways to lower your insurance costs:
Enroll in a telematics program. If you’re retired and drive less, a telematics, pay-per-mile, or usage-based insurance program could help you reduce your monthly premiums. Because these programs base your rates on how much you drive and your driving habits, keeping a clean driving record can qualify you for lower premiums.
Ask about discounts. Indiana seniors can qualify for discounts by completing approved driving courses, bundling their insurance policies with homeowners or pet insurance, choosing a vehicle with updated safety features, and opting for paperless billing.
Maintain good credit. Indiana allows insurers to use your credit history when determining your rates.[4] Maintaining and improving your credit can help you save money.
Compare quotes. Rates vary by insurer, so request quotes from several companies to find the best rates for the coverage types you want.
Car insurance rates for senior drivers in Indiana by city
Where you live plays a role in how much you pay for coverage. The most expensive city in Indiana for senior drivers is Gary, where drivers pay an average of $66 per month for liability coverage. Gary has a much higher population density than the rest of the state, and drivers tend to spend more time commuting to work, at 26 minutes.
By contrast, Terre Haute is the cheapest Indiana city in terms of car insurance rates for seniors. Drivers pay an average of $51 per month for liability insurance there.
Drivers in Terre Haute spend less time on the road, so they may be less likely to get into an accident. The average travel time to work for workers was less than 19 minutes, which is significantly lower than the state average of 24 minutes.
The table below shows the average car insurance rates for seniors in cities across Indiana.
City  | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Anderson | $56 | $107 |
| Columbus | $50 | $101 |
| Elkhart | $49 | $94 |
| Evansville | $59 | $114 |
| Fort Wayne | $60 | $116 |
| Gary | $66 | $142 |
| Goshen | $50 | $103 |
| Greenwood | $59 | $113 |
| Indianapolis | $63 | $131 |
| Jeffersonville | $70 | $124 |
| Lafayette | $50 | $104 |
| Mishawaka | $53 | $105 |
| Muncie | $50 | $98 |
| New Albany | $71 | $124 |
| South Bend | $53 | $109 |
| Terre Haute | $51 | $95 |
| West Lafayette | $50 | $118 |
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.
Car insurance for Indiana seniors FAQs
If you’re a senior in the Hoosier State, here’s more information to help you secure affordable car insurance.
What company has the lowest car insurance rates in Indiana?
In Indiana, the cheapest insurer for seniors is Auto-Owners. Drivers pay $28 per month for minimum coverage from the insurer.
Is auto insurance more expensive for seniors?
No. Indiana seniors typically pay lower rates than other age groups since they tend to drive fewer miles and have more experience behind the wheel. Plus, some insurers offer special senior discounts or mature driver discounts for people who complete approved driving courses.
How much does car insurance cost for Indiana seniors?
On average, Indiana seniors pay a monthly rate of $57 for liability insurance and $111 for full-coverage policies. Your rates may vary based on your driving record, what insurance options you select, and your deductible.
Is it necessary for seniors in Indiana to carry full coverage on their vehicles?
It depends. Indiana law doesn’t require seniors to maintain full coverage on their vehicles, but it may be necessary if you finance a car with an auto loan or lease.
If you have a newer vehicle that would be costly to repair or replace after an accident, full-coverage insurance would give you added protection. Also, animal collisions are common in Indiana, and full coverage would help cover any damage to your car.
What are the best car insurance companies for seniors in Indiana?
The best car insurance companies for Indiana seniors include State Farm, American Family, and USAA. These companies combine low rates with valuable driving discount programs and responsive customer support.
Sources
- IN.gov. "Deer-Vehicle Collisions."
- Indiana State Medical Association. "Simple steps insure safe driving skills for seniors."
- IN.gov. "INDIANA CRASH FACTS."
- IN.gov. "THE USE OF CREDIT INFORMATION IN UNDERWRITING AND RATING INSURANCE POLICIES."
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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Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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