Cheap Car Insurance for Teen Drivers in Indiana (2026)
Auto-Owners has the cheapest car insurance for teens in Indiana, with an average liability rate of $75 per month.
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Melanie LockertInsurance, Personal Finance Writer
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Host of the Mental Health and Wealth podcast
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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Quick Facts
The average cost of full-coverage car insurance for Indiana teens is $263 per month. The overall average full-coverage rate in Indiana is $129 per month.
Auto-Owners offers the cheapest car insurance for teens in Indiana. The company’s liability rates average $75 per month, and it has several discounts for teen drivers.
Indiana teens have higher crash rates than teens in other states. Higher crash rates usually lead to higher insurance rates.[1]
Cheapest car insurance for teens in Indiana
Teen drivers in Indiana pay an average of $263 per month for full-coverage auto insurance, according to Insurify data. Liability-only coverage costs Indiana teens an average of $133 per month. These rates reflect an individual teen auto policy. It’s typically more cost-effective to add a teen driver to an existing policy.
For example, average full-coverage rates for teens drop to $197 per month when added to a family policy. The table below shows the average monthly rates for Indiana teens from different insurers.
The below rates in Indiana are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Insurance Company  | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Progressive | $118 | $80 |
| Auto-Owners | $139 | $75 |
| State Farm | $142 | $74 |
| USAA | $143 | $76 |
| GEICO | $148 | $77 |
| Root | $164 | $100 |
| Safeco | $182 | $126 |
| Direct Auto | $199 | $105 |
| American Family | $204 | $108 |
| First Chicago | $212 | $84 |
| Elephant | $213 | $137 |
| Liberty Mutual | $221 | $128 |
| National General | $238 | $99 |
| AssuranceAmerica | $246 | $133 |
| First Acceptance | $261 | $114 |
| The General | $264 | $109 |
| Bristol West | $273 | $143 |
| CSAA | $298 | $175 |
| Travelers | $298 | $158 |
| Farmers | $300 | $160 |
| Trexis | $300 | $118 |
| Mendota | $302 | $149 |
| GAINSCO | $316 | $121 |
| Trexis One | $322 | $126 |
| Allstate | $338 | $179 |
| Dairyland | $354 | $113 |
| Nationwide | $369 | $196 |
| State Auto | $859 | $454 |
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.
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Best car insurance companies for teens in Indiana
We found the best car insurance companies for teens in Indiana based on rates, available discounts, coverage options, and Insurify Quality (IQ) Scores.
Auto-Owners: Best for discounts for teens in Indiana
| 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. | $35/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. | $65/mo |
4.3
Best choice in IndianaBased on 343 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 | 4.0 | 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 in Indiana for
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
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.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
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.
…
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 offers a variety of car insurance discounts for Indiana teen drivers. You can save up to 20% if your teen maintains at least a B average in school. Auto-Owners also offers a telematics program that can help lower your rates and a discount for students away at school.
Pros
Above-average J.D. Power customer satisfaction rating in the Central region
Affordable rates in Indiana
Multiple student discounts available
Cons
Poor Trustpilot rating
Some insurers offer higher discounts
Some customers report poor communication
Progressive: Best for optional coverages for teens in Indiana
| 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 32 reviews from Indiana driversSee all 8,589 Progressive reviews
Verified Review
Reviewed in Indiana on June 8, 2026
Expensive, but they always seem to be there when I need customer service questions answered.
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.
…
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 has some of the lowest rates for teen drivers in Indiana. The company also offers multiple optional coverages helpful for teens, including roadside assistance and disappearing deductibles.
Pros
Low rates in Indiana
Various coverage options available
Teen driver discount available
Cons
Below-average J.D. Power customer satisfaction rating in the Central region
Poor Trustpilot rating
Lower good student discount than some insurers
State Farm: Best for safe drivers for teens in Indiana
| User Reviews | 4.1 |
|---|---|
| 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. | $36/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 |
4.1
Best choice in IndianaBased on 18,598 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 in Indiana for
Showing 23 reviews from Indiana driversSee all 7,624 State Farm reviews
Verified Review
Reviewed in Indiana on May 24, 2026
Too expensive - they doubled my payment.
Verified Review
Reviewed in Indiana on May 3, 2026
Rates are not transparent. Premiums have increased every few months with no explanation why. I have a clean driving record and no claims.
Verified Review
Reviewed in Indiana on April 25, 2026
Never had any issues with State Farm since I first got coverage from them in 2018.
…
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’s Drive Safe & Save telematics program rewards safe driving with lower rates. The company also has the Steer Clear program, which can save you money when your teen completes training exercises and logs driving hours. State Farm also offers several student discounts, including a generous good student discount of up to 25%.
Pros
Competitive rates in Indiana
Several student discounts available
Steer Clear and Drive Safe & Save programs can help teen drivers save
Cons
Higher rates than some competitors
Low Trustpilot rating
May require sharing driving data for discounts
Best car insurance discounts for IN teens
Many insurers offer discounts for teenage drivers in the Hoosier State. Common discounts include:
Good student discount: Many car insurance companies offer discounts for students who maintain a “B” average or higher. Indiana Farm Bureau Insurance offers a discount with slightly lower requirements for young drivers with a GPA of at least 2.95.
Student away at school discount: Indiana is home to Purdue University, the University of Notre Dame, and Indiana University Bloomington. If your teen moves away for college and keeps their vehicle at home, you may qualify for a discount.
Safe driving discount: Many insurers have telematics programs that lower your rates if you practice safe driving habits. Some companies also offer a discount for completing a defensive driving course.
Why is car insurance so expensive for teen drivers in Indiana?
Teens usually pay some of the highest car insurance rates of any age group. Indiana also has state-specific factors that increase premiums for teen drivers, including:
Higher accident rates: Drivers aged 15–20 made up 11% of people involved in accidents in 2024, according to the Indiana University Public Policy Institute.[2] That high accident rate is partly why teen driver premiums are so expensive.
Crash fatalities: Young Indiana drivers have a relatively high traffic fatality rate. More severe accidents drive up insurance rates.
Weather: Indiana’s severe weather — such as snow and ice — can damage your vehicle, increasing the cost of comprehensive coverage.[3]
Indiana car insurance requirements for teen drivers
Indiana requires all drivers, teens included, to have a minimum amount of liability insurance. Like most states, you must buy bodily injury liability and property damage liability coverage. Indiana policies also include uninsured and underinsured motorist (UM/UIM) coverage, but you can decline it in writing.[4]
The table below details Indiana’s required coverage types and minimum amounts.
Coverage Type | Minimum Amount | Required or Optional? |
|---|---|---|
| Bodily injury liability | $25,000 per person | Required |
| Bodily injury liability | $50,000 per accident | Required |
| Property damage liability | $25,000 per accident | Required |
| Uninsured motorist bodily injury | $25,000 per person / $50,000 per accident | Optional |
| Uninsured motorist property damage | $25,000 per accident | Optional |
| Underinsured motorist bodily injury | $50,000 per accident | Optional |
Indiana has graduated driver licensing requirements for teens. Drivers can get a learner’s permit at 15 if they enroll in an eligible driver education course. After completing 50 hours of supervised driving, they can apply for a probationary driver’s license with passenger and nighttime driving restrictions.[5]
Consequences for teens driving without insurance in Indiana
Teen drivers in Indiana caught driving without auto insurance may face license suspension and fines.[6] After a license suspension, drivers may also need to file an SR-22 certificate to reinstate their driving privileges.
How to get cheaper car insurance for teen drivers in Indiana
While car insurance can be expensive for teen drivers in Indiana, you have several ways to help lower your premiums.
Shop around for auto insurance
Insurance companies calculate rates differently, so it’s crucial to compare rates when shopping for car insurance in Indiana. Getting quotes online or from a local insurance agent can help you find the best rate for your coverage needs.
Complete a driver education course
Some Indiana insurance companies, such as Indiana Farm Bureau Insurance, offer discounts for completing a state-approved driver education course.
Take advantage of student away discounts
Indiana families with college students attending one of the state’s many schools may qualify for a student-away-from-home discount. If your teen goes to college 100 miles away or more and leaves their car at home, this is a not-to-miss discount.
Add teen to family policy
Given Indiana’s high teen collision rates and increasing traffic in places like Indianapolis, it can be smart to get full-coverage auto insurance for your teen driver. Adding a teen to an existing policy is often much cheaper than purchasing a stand-alone policy.
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Should your teen be on your policy or buy their own?
In most cases, it’s cheaper for teens to join their parents’ auto insurance policy than buy their own. Teen drivers pay an average of $262 per month for a stand-alone policy, but only $197 when added to a family policy. That’s a difference of $65 per month.
Teens younger than 18 typically need parental consent to buy their own policy in Indiana.
Below, you’ll find the average cost differences between an individual policy for a teen driver in Indiana and adding them to a family policy, according to Insurify data.
Policy Type | Average Monthly Cost | Average Yearly Cost |
|---|---|---|
| Teen on family policy | $197 | $2,360 |
| Teen on own policy | $262 | $3,147 |
| Cost difference | $66 | $787 |
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.
Adding a teen driver to a family policy might not work for everyone. If your teen is older than 18, owns a vehicle in their name, lives separately from their family, or isn’t in school, you may need to buy them a separate auto insurance policy.
Cheap car insurance for teen drivers in Indiana FAQs
Below, we answer some common questions about getting cheap car insurance for teens in Indiana.
How much is car insurance in Indiana for new drivers?
Car insurance for new teen drivers in Indiana costs an average of $198 per month. Liability-only coverage averages $133, and full coverage averages $262 per month. How much you pay for car insurance depends on your driving record, ZIP code, coverage choices, and more.
What car insurance discounts are available in Indiana for young drivers?
Young adults in Indiana may qualify for various car insurance discounts, including for maintaining good grades. College students who attend school away from home may also be eligible for a discount. Adding a teen driver to an existing policy is usually cheaper than buying a stand-alone policy.
How much is car insurance for a 16-year-old driver in Indiana?
The average cost of car insurance for teens in Indiana is $198 per month. Car insurance for 16-year-old drivers tends to cost more because they have less driving experience. Shopping around and comparing rates can help you get the best deal for a newly licensed driver.
What affects car insurance rates in Indiana for new drivers?
Many factors affect car insurance rates for new drivers in Indiana. Personal details like your ZIP code, vehicle, age, and coverage options influence your premiums. Indiana’s severe weather and high teen accident rate can increase the cost of car insurance in the Hoosier State.
Sources
- National Highway Traffic Safety Administration. "Traffic Safety Fact Report: 2023."
- Indiana University Public Policy Institute. "Indiana Traffic Safety Facts."
- Indiana Department of Insurance. "Winter Weather and Insurance."
- Indiana Department of Insurance. "Auto Insurance."
- Indiana Department of Insurance. "Learner’s Permit."
- Indiana Department of Insurance. "Common Traffic Violations."
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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Melanie LockertInsurance, Personal Finance Writer
10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in