Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Author profile picture

Jean Lucey, CPCU

Faculty, IIAA Virtual University

Credentials
  • CPCU, Chartered Property Casualty Underwriter

Jean Lucey has researched and written about insurance matters for well over 30 years. A current member of The Zebra's Insurance Expert Review Bo…

Author profile picture

Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

Here's what you need to know when driving in Indiana

Car insurance in Indiana costs $1,261 per year — $268 cheaper than the national average rate. Your own auto insurance rate can be higher or lower depending on personal factors like your age, location, driving record and more.

In our guide to Indiana car insurance, 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.

The best car insurance companies in Indiana

Here are the top three car insurance companies in Indiana, according to third-party ratings from J.D. Power.

1st place medal
USAA

USAA received a score of 895 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study and also won top marks in The Zebra's Customer Satisfaction Survey.

2nd place medal
Erie

Erie, a regional insurance company active in 13 states, came in second place with a score of 859 out of 1,000 in J.D. Power's study.

3rd place medal
State Farm

One of the most popular insurance companies, State Farm has national recognition and scored 851 out of 1,000. 

Key takeaways
  • Hoosiers pay about 17% less for car insurance on average
  • The cheapest major car insurance company in Indiana is Auto-Owners

The cheapest car insurance companies in Indiana

These companies offer the cheapest rates in the following scenarios.

logo
Cheapest for full coverage — Auto-Owners

The cheapest rates are from Auto-Owners at $916 annually or $76 per month.

logo
Cheapest after at-fault accident — Auto-Owners

Auto-Owners is also the cheapest company in Indiana after an at-fault accident.

logo
Cheapest for teen drivers — USAA

For teen drivers in Indiana, USAA is the most affordable.

Company Avg. Annual Premium
USAA $929
GEICO $979
State Farm $1,098
Farmers $1,474
Progressive $1,484
Allstate $2,516

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.


Indiana auto insurance laws

Car insurance is mandatory in almost every state. Indiana requires every motorist to carry a certain minimum level of coverage — and proof of insurance of this coverage — in order to be road-legal.

Opting for the legal minimum coverage level is cheaper than full coverage, but it can also put you at risk as your own vehicle wouldn't be protected. In Indiana, expect to pay $414 every year for the state minimum level of coverage. This rate is less expensive than the nationwide average by 73%.

State minimum coverage

In order to drive legally in the state of Indiana, you must carry at least the minimum liability limits listed below:

  • Bodily injury: $25,000 per person
  • Bodily injury: $50,000 per accident
  • Property damage: $25,000 per accident

Optional coverage in Indiana (varies by carrier):

  • Comprehensive
  • Collision
  • Gap coverage
  • Medical payments
  • Roadside assistance
  • Uninsured/underinsured motorist coverage
  • Rental car reimbursement
car with blue windshield

If you want more robust protection beyond the minimum, you can choose a policy with comprehensive and collision. This will protect you against the financial ramifications of car accidents, theft, vandalism or weather incidents. This is commonly known as full coverage.

Better coverage, however, is more expensive. But it could be worth it for the peace of mind of knowing your own vehicle is covered, and higher coverage limits will ensure you won't have to pay out-of-pocket to cover what insurance won't. A comprehensive insurance policy with a $1,000 deductible costs $1,098 in Indiana — that's 165% more than liability-only insurance. If you choose a full coverage policy with a $500 deductible, expect to pay 228% more than you would for basic coverage.

The Zebra's guide to Indiana car insurance laws


Learn more about car insurance requirements in the state of Indiana with our helpful guide.


Compare car insurance rates from the best companies in Indiana.

Location pin icon
No junk mail. No spam calls. Free quotes.

Indiana car insurance premiums by rating factor

While the cost of car insurance in Indiana is lower than the nation's average, rating factors like your driving history, age and coverage level can drive up the price. Every company weighs these personal factors differently when generating quotes.

Consult average rates by rating factor below to get a better understanding of how much you can expect to pay in Indiana.

Cheap auto insurance in Indiana for minimum coverage

Compared to full coverage, getting liability-only coverage at the state minimum level will make your auto insurance much cheaper. However, it will also leave you at risk. In Indiana, the average cost for minimum coverage is $35 per month, or $414 yearly — a savings of $944 compared to full coverage.

Company Avg. Annual Premium
USAA $282
GEICO $298
State Farm $362
Progressive $488
Farmers $559
Allstate $705

Cheap auto insurance in Indiana with bad credit

Insurers refer to statistics to determine how much risk a prospective client poses. Their data tells them that there is a correlation between poor credit and a propensity for filing claims, which is why drivers with bad credit are charged much higher rates. In almost every state, credit score is a rating factor for car insurance.

In Indiana, drivers with poor credit pay an additional $1,228 yearly compared to drivers with excellent credit. Consult sample rates from different insurance companies below and use this information as a jumping-off point in your search for affordable insurance with bad credit.

Company Avg. Annual Premium
GEICO $1,374
USAA $1,756
Farmers $2,208
Progressive $2,485
State Farm $2,567
Allstate $3,171

Cheap auto insurance in Indiana with an at-fault accident

A violation on your record like an at-fault accident will make your rate more costly. Like having bad credit, a checkered driving record is a risk indicator. In Indiana, a recent at-fault accident can raise your rate by as much as $619 annually.

Safe driver discounts

In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.

Company Avg. Annual Premium
USAA $1,332
State Farm $1,481
GEICO $1,594
Farmers $2,154
Progressive $2,421
Allstate $3,637

Cheap auto insurance for young drivers in Indiana

In Indiana, teens pay $3,307 per year, which is $1,778 more than the national average 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. Nationally, teen drivers pay more than three times the average rate.

Company Avg. Annual Premium
USAA $2,367
GEICO $2,621
State Farm $4,162
Allstate $4,768
Progressive $4,915
Farmers $5,545

Indiana auto insurance rate by violation

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.

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,266 0% $0
One Med/PIP claim $1,269 0% $3
Not-at-fault accident $1,339 6% $73
Two Med/PIP claims $1,354 7% $89
One comp claim $1,361 8% $96
Two comp claims $1,449 14% $183
Failure to show documents $1,491 18% $225
Failure to wear a seat belt $1,492 18% $227
Driving without lights $1,521 20% $255
Child safety restraint $1,521 20% $255
Driving with expired registration $1,526 21% $261
Cell phone violation $1,578 25% $312
Speeding 6 - 10 MPH over limit $1,581 25% $316
Texting while driving $1,585 25% $319
Speeding in school zone $1,586 25% $320
Driving too slowly $1,586 25% $320
Speeding 11 - 15 MPH over limit $1,591 26% $326
Illegal turn $1,599 26% $334
Failure to yield $1,602 27% $336
Following too closely $1,602 27% $336
Failure to stop at a red light $1,604 27% $339
Wrong way/wrong lane $1,606 27% $340
Speeding 16 - 20 MPH over limit $1,610 27% $345
Improper passing $1,611 27% $345
At-fault accident - less than $1000 $1,626 28% $360
Passing school bus $1,666 32% $400
Speeding 21 - 25 MPH over limit $1,749 38% $483
In 65 MPH zone $1,821 44% $555
At-fault accident - $1000-$2000 $1,824 44% $558
At-fault accident - greater than $2000 $1,852 46% $587
Open container $1,981 57% $715
Operating a vehicle without permission $2,001 58% $736
Racing $2,387 89% $1,121
Reckless driving $2,388 89% $1,122
Refusal to submit to a chemical test $2,393 89% $1,127
DUI $2,427 92% $1,161
Driving with a suspended license $2,460 94% $1,194
Leaving scene of an accident/hit and run $2,498 97% $1,232

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.

 

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.

Company Avg. Annual Premium
USAA $1,430
State Farm $1,521
Progressive $1,785
GEICO $2,103
Farmers $2,104
Allstate $2,965

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.

 

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.

 

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.

 

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.

Find an affordable policy in Indiana in minutes!

Location pin icon
No junk mail. No spam calls. Free quotes.

Rates by city

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 see average car insurance costs in some of Indiana's biggest cities.

City Avg. Annual Premium
Carmel $1,177
Fort Wayne $1,231
South Bend $1,248
Evansville $1,332
Indianapolis $1,398

Car insurance price trends in Indiana

In Indiana, average annual auto insurance costs increased by $73 in the past year. A typical Indiana driver pays an average of $1,261 per year.

Year over year, the cost of car insurance has increased steadily in Indiana. The highest rate increase occurred from 2016 to 2017, while the steepest decrease occurred from 2011 to 2012. Despite this continuing trend of car insurance getting more expensive, Indiana's average is still cheaper than the national average.

INDIANA CAR INSURANCE RATE TRENDS
Year Avg. Annual Premium — Indiana Yearly Change — Indiana Avg. Annual Premium — US Yearly Change — US
2021 $1,261 $73 $1,529 $46
2020 $1,188 $27 $1,483 -$61
2019 $1,161 -$27 $1,544 $23
2018 $1,188 $77 $1,521 $84
2017 $1,111 $92 $1,437 $69
2016 $1,019 $54 $1,368 $88
2015 $965 $58 $1,280 $51
2014 $907 $33 $1,229 $34
2013 $874 $67 $1,195 -$80
2012 $807 -$116 $1,276 $82

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.


Indiana car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Indiana auto insurance.

Auto-Owners has the cheapest rates in Indiana at $916 a year for a full coverage policy. USAA and GEICO also offer rates that are lower than average. The best way to find the cheapest car insurance in Indiana is to compare auto insurance quotes from as many companies as possible.

The average rate in Indiana is $1,261 per year, or $105 per month.

Indiana requires all registered vehicles to carry liability insurance — the minimum amount required is 25/50/25.

Save money on your next car insurance policy!

Location pin icon
No junk mail. No spam calls. Free quotes.

RECENT QUESTIONS

Other people are also asking...

Can I get an SR22 when I don't own a car?

In the event that your state has suspended your license and requires that you have an SR22 then you will need to purchase an auto insurance policy. For people who do not own a car but are required to carry an SR22 then the solution is a non-owners insurance policy. This type of policy will offer th…
Mar 3, 2016 Terre Haute, IN

Does roadside assistance help with keys locked in a car?

While I cannot speak to the details of your personal insurance policy, generally GEICO's roadside assistance does provide lockout services for up to $100. However, this does not mean that they would pay for the services directly, but instead would reimburse you after-the-fact if you were to su…
Jan 16, 2018 Indianapolis, IN

Does The Zebra use a hard or soft credit pull to compare insurance quotes?

Thank you for this question.The Zebra does not do a soft or hard pull of your credit. We use the range of information that you provide in order to give you an estimate. Once you shop with an insurance company (The Zebra does not provide insurance, only comparison quotes), they will pull your credit…
Jun 3, 2019 Gary, IN

Are 911 dispatchers eligible for insurance discounts as first responders?

Every car insurance company has different discounts available to its customers, so it's hard to give a blanket statement about your eligibility. Generally just know that car insurance for first responders is something that's an option.If it's helpful, The Zebra can gather auto insura…
Jun 9, 2019 Gnaw Bone, IN

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.