Cheap Indiana Car Insurance

Find affordable auto insurance that works for you in Indiana. Compare quotes from over 100 top companies.

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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 insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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

Across the Hoosier State, there are 197,997 miles of road just waiting to be driven. We’ll help you get insurance quotes from quality companies at an affordable price.  Then, you take the wheel.


 

Affordable insurance companies in Indiana

What's the cheapest car insurance in Indiana?
RankCompany NameAvg. Annual Premium
1Travelers$608
2Pekin Insurance$815
3USAA$867
4Erie$935
5State Farm$1,079
6Indiana Farmers Mutual$1,249
7Progressive$1,571
8Allied$1,588
9Sentry$1,952
10Hanover$4,802

Compare ratesfrom over 60 insurance companies that provide coverage throughout Indiana. Enter your ZIP code below to get started.

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Cheap car insurance for good drivers in Indiana

Drivers with great driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Indiana drivers without a recent speeding ticket typically save 17% on their car insurance — on pace with the national average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$23817.42%
No Accidents$51831.49%
Good Credit$77640.80%

Cheap car insurance for young drivers in Indiana

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Indiana, the typical teen driver pays $4,225 per year — $700 cheaper than average for teen drivers nationwide — but still almost four times more than the rate for all Indiana drivers.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$5,004$4,809
17$4,786$4,121
18$4,631$3,641
19$4,124$2,689

Cheap car insurance for bad drivers in Indiana

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 33% after a DUI, 31% after an at-fault accident, and 17% after a speeding ticket in Indiana. The post-citation penalties assessed by car insurance companies in the Hoosier State align with national averages. If you have a sparkling clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,64431.49%
DUI$1,70533.97%
Speeding Violation$1,36417.42%
Bad Credit$1,90240.80%

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Top rated car insurance companies in Indiana

Every car insurance company advertises its low prices. But as with any service, the most affordable car insurance option isn't always the best selection. Considering the stakes, it's worthwhile to do your due diligence to find an insurance policy that covers your car completely in the event of an incident. Be patient and look for the best value, instead of settling for the most affordable car insurance in Indiana.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AllstateAbove averageAverageSuperior4.3 / 5
American FamilyBelow averageExcellentExcellent4.3 / 5
ErieAbove averageAbove averageSuperior4.5 / 5
FarmersAverageBelow averageExcellent4.3 / 5
GEICOAverageAverageSuperior4.4 / 5
Pekin InsuranceN/AN/AExcellentN/A
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 5

Indiana auto insurance laws

State minimum insurance requirements in Indiana

In Indiana, drivers must maintain liability insurance coverage at the below minimum levels:

  • 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
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

If you select the minimum required coverage in Indiana, expect to owe an average of $485 per year. This is cheaper than the national average by 26%. If you want a higher level of car insurance coverage, you can select a policy with comprehensive and collision coverage, protecting against damages caused by car-versus-car collisions, theft, or weather incidents. However, better coverage comes at a cost: in Indiana, a comprehensive policy with a $1,000 deductible costs $976, 101% more than basic liability-only coverage. For a comprehensive policy with a $500 deductible, expect to pay 134% more than for basic liability-only coverage.

Learn more about Indiana insurance requirements

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How tickets change insurance rates in Indiana

If you receive a ticket, your car insurance rates may rise. How much your rates rise depends on the severity of the violation, your car insurance company's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at car insurance costs in Indiana after a few common citations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$1,75653%$607
Refused Breathalyzer/Chemical Test$1,63142%$482
DUI$1,63142%$482
Racing$1,75653%$607
Reckless Driving$1,71950%$569
Driving with a Suspended License$1,75653%$607
At-Fault Accident$1,60339%$454
Driving with an Open Container$1,48729%$338
Operating a Vehicle Without Permission$1,49830%$349
Passing a School Bus$1,41123%$262
Improper Passing$1,41123%$262
Following Too Closely$1,38020%$230
Speeding$1,37720%$227
Failure to Stop at a Red Light$1,38020%$230
Illegal Turn$1,36919%$219
Driving Wrong Way/Wrong Lane$1,42624%$276
Failure to Yield$1,38020%$230
Speeding in a School Zone$1,35017%$200
Driving Too Slowly$1,35017%$200
Distracted Driving$1,36919%$219
Driving with Expired Registration$1,1500%$0
Failure to Show Documents$1,1500%$0
Not-at-Fault Accident$1,1863%$37
Failure to Use Child Safety Restraint$1,1500%$0
Failure to Wear a Seat Belt$1,1500%$0
Driving Without Lights$1,1500%$0

 

Indiana car insurance FAQs

Who has the cheapest car insurance in Indiana?

Our data show Travelers is the cheapest insurance provider for the average driver. The only way to know which company is actually the cheapest for you is to shop around. Compare rates and companies using our free tool with no sign-up required.

What is the average cost of auto insurance in Indiana?

Drivers in Indiana save $21 per month on car insurance compared to the national average. On average, Indiana drivers pay $567 for a six-month policy.

Does Indiana require you to have auto insurance?

Indiana requires all registered vehicles to carry at least liability insurance. If you're struggling to afford basic coverage, try our comparison tool to see local and national companies to find the most affordable rate for you.

How much does car insurance cost in Indiana cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Lafayette, Indiana, and the most expensive in Gary, Indiana.

RankCityAvg. Annual Premium
1Gary$1,592
2Hammond$1,472
3Indianapolis$1,284
4Evansville$1,212
5Bloomington$1,176
6Fort Wayne$1,140
7Fishers$1,139
8South Bend$1,124
9Carmel$1,103
10Lafayette$1,060

 

Recent Questions:

How soon is a driver required to file an insurance claim?

It's always a good idea to let your insurance company know if you hit something, especially when you can't locate the other driver or vehicle owner. In some cases, people have the ability to file a claim years after an accident so it's best to be proactive and contact your company's claims department.
Aug 21, 2016 Bloomington, IN

How do I get my insurance company to stop charging me for a ticket that was expunged from my record?

If you are being charged for a ticket that has already been removed from your record, you may be required to show proof to your insurance company that the ticket has been dropped. If the ticket has been dropped and your insurance company will not lower your rate, you should consider shopping with a new insurance company.
Feb 27, 2017 Kokomo, IN

Can I get an SR-22 car for my car that doesn't work?

Hello, You can get auto insurance with an SR-22 however, you will need to list the vehicle that you own (even if inoperable). You do not qualify for a non-owners policy because you own a car and drive your friend's car regularly.
Jun 28, 2019 Indianapolis, IN

Should I get my insurance company involved or pay for the damage myself if I backed into a tree?

It will ultimately depend on your deductible and the extent of the damage. Unfortunately, backing into a tree will be considered an "at-fault" accident if you file a claim with your insurance company.
Apr 17, 2017 Anderson, IN

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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 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.