Cheap Indiana Car Insurance

Compare the best rates from 18 car insurance companies in Indiana.

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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.

 


 

Cheap Car Insurance

What's the cheapest car insurance in Indiana?
RankCompany NameAvg. Annual Premium
1Travelers$608
2Cincinnati Insurance$671
3USAA$674
4Erie$719
5Western Reserve$855
6Indiana Farmers Mutual$858
7The Hartford$872
8Auto-Owners$897
9Nationwide$949
10Utica National$975
11Motorists Mutual$976
12State Farm$977
13Safeco$993
14Hastings Mutual$993
15Farmers$1,043
16Westfield$1,083
17Wolverine Mutual$1,083
18State Auto$1,109
19GEICO$1,111
20Progressive$1,117
21Celina Insurance$1,158
22Allied$1,161
23Pekin Insurance$1,178
24Cal Casualty$1,181
25American Family$1,234
26Victoria$1,357
27General Casualty$1,446
28MetLife$1,565
29Sentry$1,676
30United Farm Bureau$1,772
31Grange Mutual$1,873
32First Chicago Maverick$1,940
33Allstate$1,970
34Safe Auto$2,044
35Liberty Mutual$2,251
36Hanover$2,284
37Dairyland$4,471

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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%

What are the 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' fiscal 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

Car Insurance Laws

State minimum insurance requirements in Indiana

In Indiana, the state minimum coverage requirement is liability with limits of:
  • 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

Liability coverage is legally required in Indiana and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Indiana, the minimum is listed as 25/50/25 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Indiana but higher coverage amounts are available with most companies.

Indiana Car Insurance FAQs

Is Indiana a no-fault state for car insurance?

No. Indiana is an at-fault state. In the event of an accident, you are only responsible for the damage you actually cause.

Is it illegal to drive without car insurance in Indiana?

Yes. Currently, it is a misdemeanor. While the punishment depends on the occurrence of the offense, driving without insurance typically incurs a hefty fine and a license suspension. The impact on your premium — as well as the fines — will be far more expensive than what you would have paid for car insurance in the first place.

Can I get Indiana car insurance without an Indiana license?

Yes. If you have an out-of-state license, you should be able to get car insurance in Indiana. If you do not have a license or use an international license, you might have more difficulty.

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$1,486
2Hammond$1,414
3Indianapolis$1,253
4Jeffersonville$1,245
5New Albany$1,207
6Evansville$1,197
7Terre Haute$1,196
8Anderson$1,148
9Fort Wayne$1,141
10Kokomo$1,133
11South Bend$1,131
12Bloomington$1,128
13Fishers$1,123
14Merrillville$1,117
15Portage$1,115
16Greenwood$1,112
17Mishawaka$1,110
18Columbus$1,104
19Noblesville$1,093
20Carmel$1,085
21Elkhart$1,081
22Lawrence$1,077
23Richmond$1,062
24Muncie$1,054
25Lafayette$1,041

Recent Indiana Car Insurance Questions and Answers

Can I dispute the payout amount my insurance company wants to give me?

Actual cash value (ACV) from your insurance is not the same as an adjusted amount — it's an estimate on their books. I would get another person to look at the vehicle and get another opinion on the adjustment to make sure it was accurate before trying to fight the claims department. If you have any questions, don't hesitate to ask.

If I backed into another person's car (which was sitting in their driveway), should I file a claim if repairs are estimated to be $2,500?

Hello, Since there is no damage to your vehicle, you would not need to file a claim. However, the person that you hit has the option to file a claim.

Am I required to purchase two years worth of auto insurance to obtain two years of proof (SR-22)?

You must maintain insurance continuously for your SR-22 to be effective. An SR-22 is a filing with that state that informs them when you have insurance and when the policy cancels.

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.


Driving Laws

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

How Do Tickets Impact Indiana Auto Insurance Rates?

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 Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Indiana area, while also getting an insider view of the Hoosier State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.