Cheap Indiana Car Insurance

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

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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 get you prepped, then you take the wheel.


 

Affordable Insurance Premiums 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 quotes from over 60 insurance companies that provide coverage throughout Indiana. Enter your ZIP code below to get started.

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Cheap Insurance for Good Drivers in Indiana

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$23817.42%
No Accidents$51831.49%
Good Credit$77640.80%

Cheap 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%

Best 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.

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 CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allstate3Superior
American Family4Excellent
Cal CasualtyNot RatedExcellent
Celina InsuranceNot RatedExcellent
Cincinnati InsuranceNot RatedSuperior
Erie5Superior
Farmers3Excellent
First Chicago MaverickNot RatedMarginal
GEICO3Superior
Liberty Mutual3Excellent
MetLife3Superior
Progressive3Superior
State Farm3Superior
Travelers3Superior
USAA5Superior

 

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What is the best auto insurance coverage in Indiana?

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.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Indiana$484.62$976.00$1,135.00
National Average$657.66$1,241.26$1,397.94

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

Learn more about Indiana insurance requirements

Driving Laws in Indiana

Indiana Texting and Driving Laws

  • Ban on all cell phones for drivers <18 years
  • Ban on text messaging for all drivers

Indiana DUI Laws

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:

  • Up to one year in jail
  • Up to $5,000 in fines
  • A license suspension of up to two years
  • Possible attendance in a substance abuse education course
  • Possible requirement to attend a victim impact panel
  • Possible submission to urine testing
  • Towing and impound of the vehicle

Ticket Impact on Auto 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

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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
4Jeffersonville$1,245
5New Albany$1,229
6Terre Haute$1,215
7Evansville$1,212
8Bloomington$1,176
9Greenwood$1,147
10Anderson$1,142
11Fort Wayne$1,140
12Fishers$1,139
13Kokomo$1,126
14South Bend$1,124
15Columbus$1,117
16Noblesville$1,108
17Carmel$1,103
18Mishawaka$1,087
19Muncie$1,076
20Elkhart$1,074
21Richmond$1,069
22Lafayette$1,060

Recent Indiana Car Insurance Questions and Answers

Am I still covered for liability coverage if I drive my car in a parade?

Yes, you should be insured while driving in a parade under the mentioned circumstances. Many people who drive in parades tend to have classic or modified vehicles which often require different types of insurance coverage.

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.

What do I need to get on my wife's auto insurance policy?

In order to be added to your wife's policy, you will need the VIN (a 17 digit vehicle identification specific to your vehicle) of your vehicle, your driver's license, and for the loan the lien holder name and address. Anything else they might they ask that we haven't already stated would be company-specific.

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.


Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.