Car Insurance in Indiana
- Hastings Mutual Insurance offers the cheapest full coverage in Indiana
- Compare the cheapest car insurance quotes in IN from Progressive, Allstate, Liberty Mutual and Nationwide (+other top companies)
Car insurance quotes in Indiana
The average Indiana driver can expect to pay about $829 for a six-month auto insurance policy. That's 24% cheaper than the national average.[1] Your own auto insurance rate can be higher or lower depending on personal factors like your age, location, driving record and more.
Despite average costs, 33% of Indiana drivers compared quotes because they were paying too much for car insurance.[2] In this guide, we analyzed average car insurance rates in the Hoosier State to help you find an affordable policy that meets your needs and provides sufficient protection while on the road.
If you're ready to see how much you can save by shopping around, submit your ZIP code above to get personalized car insurance quotes from top companies.
- USAA offered the cheapest liability insurance coverage in Indiana at $27/mo
- See the other cheapest liability coverage insurance companies in Indiana ↓
- Hastings Insurance offered the cheapest full insurance coverage in Indiana at $82/mo.
- See the other cheapest full coverage insurance companies and best discounts in Indiana ↓
- As a highly-rated regional carrier, Erie scored an 844 on J.D. Power's 2023 auto study.[3] For those eligible, USAA is also top rated by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in Indiana ↓
- Regional provider Hastings Insurance is chosen as our top choice due to its low average rates, positive ratings from third-party organizations, and availability of coverages and discounts.Â
- Read more about why we chose Hastings as the best auto insurance option for Indiana drivers↓
Cheap liability insurance in Indiana
The average cost of liability-only coverage in Indiana is $267 for six months of coverage. USAA, Hastings, and Auto-Owners offer cheap liability insurance for drivers in this state. 44% of Indiana drivers choose minimum coverage insurance.
Liability coverage is the minimum amount of coverage you can carry to comply with the law. In Indiana, the state requires that drivers have minimum limits of 25/50/25, meaning $25,000 bodily injury coverage per person, $50,000 bodily injury per accident, and $25,000 property damage coverage.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $165 | $27 |
| Hastings Mutual Insurance Co | $181 | $30 |
| Auto-Owners | $185 | $31 |
| Progressive | $214 | $36 |
| GEICO | $223 | $37 |
| State Farm | $408 | $68 |
| Allstate | $421 | $70 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
While you may be fulfilling legal requirements with liability coverage, this is often not enough to protect you in an accident. State minimum coverage is really only recommended for folks with cars worth less than $4,000. Full coverage is our ultimate recommendation, but if you don't want that or can't afford it, even raising the limits on a liability policy is an improvement. We recommend at least 50/100/50 limits for Indiana drivers.
Renata Balasco — licensed agent and insurance writer at The Zebra
Cost comparison: liability only vs full coverage in Indiana
Liability coverage is always going to be your cheapest option when it comes to car insurance. However, we only recommend you select liability-only coverage if your car is worth less than $4,000 — otherwise, it is simply not enough to safeguard your wallet if an accident should occur. Full coverage is advised in most every other circumstance. See the table below to compare side-by-side rates from top Indiana companies.Â
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| Company | Liability coverage | Full coverage |
|---|---|---|
| USAA | $165 | $559 |
| Hastings Mutual Insurance Co | $181 | $494 |
| Auto-Owners | $185 | $591 |
| Progressive | $214 | $779 |
| GEICO | $223 | $681 |
| State Farm | $408 | $1,316 |
| Allstate | $421 | $1,325 |
Source: The Zebra
Find the best coverage and price in Indiana with The Zebra.
Cheap full coverage insurance in Indiana
"Full coverage" car insurance refers to insurance policies that include comprehensive and collision coverage. While this makes premiums more expensive, it is the only way to ensure your costs will be covered if an accident happens. Indiana drivers pay an average of $829, which is lower than the national average for full coverage insurance. 56% of Zebra customers in Indiana choose full coverage policies.Â
Take a look at the table below for quotes from Indiana's insurance companies.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Hastings Mutual Insurance Co | $494 | $82 |
| USAA | $559 | $93 |
| Auto-Owners | $591 | $99 |
| GEICO | $681 | $114 |
| Progressive | $779 | $130 |
| State Farm | $1,316 | $219 |
| Allstate | $1,325 | $221 |
Source: The Zebra
Zebra Tip: Search out these car insurance discounts
- Payment methods:Â Advance purchase, electronic bill pay, pay-in-full
- Driver discounts: Multi-policy bundling, multiple vehicles, safe driver, good student, homeowner, military
- Vehicle discounts: New car, safety features, anti-theft devices
- Telematics:Â Insurers like USAA, GEICO, and Progressive offer telematics programs that reward safe driving. These programs track driving behavior, allowing skilled drivers to earn discounts based on their good driving habits.
What are the best car insurance companies in Indiana?
We identified Hastings as Indiana's top car insurance provider by analyzing consumer feedback and third-party reviews (like the NAIC complaint index and AM Best), and factors like available discounts and coverage options. Plus, it's among the cheapest carriers across the board in Indiana. Below, you'll find the pros and cons of Hastings along with insights into other highly-rated insurers in Indiana.
As a regional insurer, Hastings offers an impressive range of coverage options and discounts, making it a top choice for drivers looking for both comprehensive protection and value. Hastings boasts an A rating from AM Best, reflecting its financial strength and reliability.[4] It also stands out for its customer service reputation, with an exceptionally low number of customer complaints, as reported by the NAIC and an A+ from the BBB.[5, 6]Â
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Extra coverage options
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Many discounts listed for an insurer of this size
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Local agents offer a personalized shopping experience
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Positive customer service reputation
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Lacking in technology — no telematics program or mobile app
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Online capabilities are limited
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Limited availability — those who move states may have to change carriers
Best car insurance in Indiana — honorable mentions
Hastings may have topped the list, but these companies also deserve recognition. Indiana drivers could also consider Grange, Buckeye and Travelers for their insurance needs. These insurers boast a combination of affordable average rates, excellent scores from JD Power and solid coverage options.
How did we pick what company has the "Best Value" in Indiana?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2023 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Indiana
- Available coverage options
- The author's 4+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Find your best value insurance match with The Zebra.
Car insurance in popular Indiana cities
Car insurance companies calculate your rate based on many factors, and an important one is the location of the vehicle. The cheapest car insurance is found in Shadeland, Indiana, and the most expensive in Gary.
Have a look at the table below to compare average car insurance costs in some of Indiana's biggest cities.
Updating data...
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Indianapolis | $928 | $155 |
| Evansville | $876 | $146 |
| South Bend | $821 | $137 |
| Fort Wayne | $809 | $135 |
| Carmel | $782 | $130 |
Source: The Zebra
Car insurance price trends in Indiana
Indiana auto insurance rates have remained remarkably stable over the past few turbulent years, even as the rest of the nation saw significant fluctuations. From 2020 to 2023, premiums in the state increased by less than $100 annually on average, with the most recent adjustment actually seeing a $19 decrease.
Car insurance premiums fluctuate with inflation, cost of labor and parts, and regulatory adjustments; it's normal to see jumps in either direction as years pass. Indiana, however, seems to have stayed consistent.Â
| Year | Avg. Annual Premium — Indiana | Yearly Change — Indiana |
|---|---|---|
| 2024 | $1,338 | -$19 |
| 2023 | $1,357 | $91 |
| 2022 | $1,266 | $5 |
| 2021 | $1,261 | $73 |
| 2020 | $1,188 | $27 |
| 2019 | $1,161 | -$27 |
| 2018 | $1,188 | $77 |
| 2017 | $1,111 | $92 |
| 2016 | $1,019 | $54 |
| 2015 | $965 | $58 |
Cheap auto insurance for teens and young drivers in Indiana
In Indiana, teens pay $4,824 per year, which is $1,705 more than the national average for teens and over twice as much as a 30-year-old Indiana driver.
Teens and drivers in their 20s pay the most for car insurance compared to older age groups. This is due to younger drivers' relative driving inexperience compared to older drivers. The companies in the table below offer the best car insurance policies for young drivers.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $1,446 | $241 |
| Hastings Mutual Insurance Co | $1,514 | $252 |
| GEICO | $1,716 | $286 |
| Auto-Owners | $2,116 | $353 |
| Progressive | $2,420 | $403 |
| Allstate | $3,182 | $530 |
| State Farm | $3,775 | $629 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Hastings Mutual Insurance Co | $1,518 | $253 |
| GEICO | $2,233 | $372 |
| USAA | $2,277 | $379 |
| Auto-Owners | $2,875 | $479 |
| Progressive | $3,234 | $539 |
| Allstate | $4,045 | $674 |
| State Farm | $4,081 | $680 |
Source: The Zebra
Zebra tip: 3 ways young drivers can save on car insurance
- Complete a certified defensive driving course to earn discounts and lower the likelihood of accidents.
- Opt for a more affordable vehicle with strong safety ratings and low repair expenses.
- Remain on a parent's policy to save money and take advantage of their positive insurance history.
Find an affordable policy in Indiana in minutes!
Indiana auto insurance quotes after an accident or ticket
It's no secret that receiving a citation will increase your car insurance premium. It's difficult to say how much exactly you can expect your rate to increase because every company's pricing standards are different. Using data, however, we can provide general estimates.
See below for average auto insurance rates after getting a ticket in Indiana.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Hastings Mutual Insurance Co | $505 | $84 |
| Auto-Owners | $726 | $121 |
| USAA | $806 | $134 |
| Progressive | $1,099 | $183 |
| GEICO | $1,142 | $190 |
| State Farm | $1,339 | $223 |
| Allstate | $1,741 | $290 |
Source: The Zebra
Zebra Tip: Don't forget about claims satisfaction
While you hope to never need your insurance, having a hassle-free claims process is essential if you do. In our 2024 Customer Satisfaction Survey, we assessed the experiences of those who filed claims. Erie stood out as the top performer, making it a strong option to consider if you live in Indiana.[7]
In Indiana, a poor driving record can lead to a significant spike in your insurance premiums. If you get a ticket or citation, expect your auto coverage costs to increase. The extent of the hike depends on the specific violation, your insurer's pricing policies, and the varying local insurance regulations and risks. This is why the impact of tickets on insurance in Indiana might differ from the national average.
Source: The Zebra
The Zebra's guide to Indiana car insurance laws for high-risk drivers
Certain violations, like a DUI or driving without insurance, can result in more complex insurance consequences. Below, you'll find detailed guides on Indiana car insurance laws and regulations.
Discover more about Indiana car insurance laws in our comprehensive guide.
Indiana DUI laws
Getting a DUI in Indiana can increase your auto insurance rate by over 90% yearly. Because a DUI often triggers a larger uptick in premium costs than most other citations, it can be challenging finding affordable car insurance in the aftermath of a DUI conviction.
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Low-cost car insurance after a DUI in Indiana
To find the most savings, it’s integral to assess each of your insurance choices carefully if you're convicted of a DUI or DWI violation in Indiana. Car insurance premiums following a DUI can vary substantially by insurance company.
For example, the least expensive car insurance company with a DUI in Indiana, USAA, advertises annual rates 41% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Indiana is State Farm, while the most expensive is Allstate, with prices 22% above average.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $867 | $145 |
| Progressive | $878 | $146 |
| GEICO | $1,350 | $225 |
| State Farm | $1,421 | $237 |
| Auto-Owners | $1,455 | $243 |
| Allstate | $1,566 | $261 |
| Hastings Mutual Insurance Co | $1,893 | $315 |
Source: The Zebra
It is difficult to find an inexpensive car insurance quote after a DUI that's comparable to a rate without a DUI on your record. The recommended way to save after a DUI citation is to shop around with as many companies as possible.
Indiana SR-22 insurance
An SR-22 is a routine legal requirement brought on by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Indiana to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Indiana might require some research, but it could pay off in the end.
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How to acquire an SR-22 in Indiana
For currently insured drivers
If you already have an active auto insurance policy, requesting an SR-22 shouldn't be difficult. Simply contact your insurance company and request that it files an SR-22 certificate request on your behalf. If your current insurance company won't request a certificate, you should look to switch to a new auto insurance company that will.
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For uninsured drivers
When filing for a new policy, you might be charged an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification might disqualify you from getting coverage from some companies, while others will sell you a policy.
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For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should apply for a non-owner car insurance policy before filing for an SR-22. Non-owner auto coverage is typically cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.
Indiana car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Indiana auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
2023 U.S. Auto Insurance Study. J.D. Power
Hastings Mutual Insurance - Company Profile. A.M. Best
Complaint Index. NAIC
Hastings Insurance Company. Better Business Bureau
2024 Customer Satisfaction Survey. The Zebra
Related Content
- Car Insurance with a DUI in Indiana
- South Bend, IN Car Insurance
- Evansville, IN Car Insurance
- Average Cost of Auto Insurance in Indiana
- Auto Insurance for High-Risk Indiana Drivers
- Temporary Car Insurance in Indiana
- Car Insurance in Indianapolis, IN
- Car Insurance in Fort Wayne, IN
- Indiana Car Insurance Laws
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.