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 agents. Reference our data methodology and learn more about how we make money.

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?
Rank Company Name Avg. Annual Premium
1 Travelers $608
2 Pekin Insurance $815
3 USAA $867
4 Erie $935
5 State Farm $1,079
6 Indiana Farmers Mutual $1,249
7 Progressive $1,571
8 Allied $1,588
9 Sentry $1,952
10 Hanover $4,802

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

Compare Indiana car insurance quotes from top providers.

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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 $238 17.42%
No Accidents $518 31.49%
Good Credit $776 40.80%

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.

Age Annual Rate with Parents Annual 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 Factor Annual Rate % Increase
At-Fault Accident $1,644 31.49%
DUI $1,705 33.97%
Speeding Violation $1,364 17.42%
Bad Credit $1,902 40.80%

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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)

Allstate Average Average Superior 4.3 / 5
American Family Above average Excellent Excellent 4.3 / 5
Erie Excellent Above average Superior 4.5 / 5
Farmers Excellent Below average Excellent 4.3 / 5
GEICO Average Average Superior 4.4 / 5
Pekin Insurance N/A N/A Excellent N/A
Progressive Below average Below average Excellent 4.3 / 5
State Farm Above average Above average Superior 4.5 / 5
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 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.

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
DUI $1,631 42% $482
Racing $1,756 53% $607
Reckless Driving $1,719 50% $569
Driving with a Suspended License $1,756 53% $607
At-Fault Accident $1,603 39% $454
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
Improper Passing $1,411 23% $262
Following Too Closely $1,380 20% $230
Speeding $1,377 20% $227
Failure to Stop at a Red Light $1,380 20% $230
Illegal Turn $1,369 19% $219
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
Distracted Driving $1,369 19% $219
Driving with Expired Registration $1,150 0% $0
Failure to Show Documents $1,150 0% $0
Not-at-Fault Accident $1,186 3% $37
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

 

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.

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

 

RECENT QUESTIONS

My car was hit in the process of being repaired

This can be a tricky situation. Since there was damage caused by 2 different events, you will need to report both to the insurance company if that's how you want to get them repaired.
Jun 25, 2018 Indianapolis, IN

Are 911 dispatchers eligible for insurance discounts as first responders?

Every insurance company has different guidelines and available discounts, so it's hard to give a blanket statement about your eligibility. That said, The Zebra can quote you with several companies at once, giving you the chance to compare the best rates available.
Jun 9, 2019 Gnaw Bone, IN

Is the lienholder in any way responsible in a car accident?

A lienholder would not be responsible for your accident. The lienholder would receive the claims payout for the vehicle if insurance got involved.
May 28, 2020 Anderson, IN

Do I have to have all my vehicles fully covered?

You are only required to carry comprehensive and collision coverage (full coverage) if you are leasing or financing the vehicle. If you own them or even one of them, you can decide how you want the vehicle insured.
Sep 2, 2018 Fort Wayne, IN

Kristine Lee photo
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.