Find affordable insurance that works for you in Indiana. Compare quotes from over 100 top companies.
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Drivers with good 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||$238||17.42%|
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.
|Age||Annual Rate with Parents||Annual Rate Alone|
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 Factor||Annual Rate||% Increase|
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.
Compare top auto insurance companies' financial strength and claims satisfaction levels to better understand the level of service you can expect. Claims satisfaction — assigned by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — evaluates an insurance company's financial strength and ability to meet its contractual and policy obligations.
|Insurance Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|Cal Casualty||Not Rated||Excellent|
|Celina Insurance||Not Rated||Excellent|
|Cincinnati Insurance||Not Rated||Superior|
|First Chicago Maverick||Not Rated||Marginal|
The minimum allowed insurance in Indiana is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.
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.
Compare mean rates for basic, better, and best car insurance levels below.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In Indiana, drivers must maintain liability insurance coverage at the below minimum levels:
Indiana does not have a typical lookback period. Courts consider a driver’s five-year and ten-year conviction history when determining a sentence and penalties.
In Indiana, anyone found to have a BAC of 0.08% or higher will have their license suspended for a minimum of 30 days.
First-time DUI offenses in Indiana lead to:
If you receive a ticket, your car insurance rates may rise. How much your rates rise depends on the severity of the violation, your car insurance company's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at car insurance costs in Indiana after a few common citations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$1,756||53%||$607|
|Refused Breathalyzer/Chemical Test||$1,631||42%||$482|
|Driving with a Suspended License||$1,756||53%||$607|
|Driving with an Open Container||$1,487||29%||$338|
|Operating a Vehicle Without Permission||$1,498||30%||$349|
|Passing a School Bus||$1,411||23%||$262|
|Following Too Closely||$1,380||20%||$230|
|Failure to Stop at a Red Light||$1,380||20%||$230|
|Driving Wrong Way/Wrong Lane||$1,426||24%||$276|
|Failure to Yield||$1,380||20%||$230|
|Speeding in a School Zone||$1,350||17%||$200|
|Driving Too Slowly||$1,350||17%||$200|
|Driving with Expired Registration||$1,150||0%||$0|
|Failure to Show Documents||$1,150||0%||$0|
|Failure to Use Child Safety Restraint||$1,150||0%||$0|
|Failure to Wear a Seat Belt||$1,150||0%||$0|
|Driving Without Lights||$1,150||0%||$0|
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.
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.
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.
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.
|Rank||City||Avg. Annual Premium|