Car insurance for good drivers in Indiana
Some of the factors contributing to car insurance rates are out of your hands: your age, the city or state in which you reside, and your gender are common rating factors over which you don’t have much of a say. But there are a few factors you can control if you're looking for lower rates.
To find affordable car insurance, try to keep your driving history clean, your credit score high, and your monthly mileage low. Insurers provide price cuts to drivers who present little risk. Exhibiting as little risk as possible behind the wheel — and in everyday life — can result in more affordable rates.
See below rates from top companies for low-risk drivers in Indiana.
Car insurance for citation-free drivers in Indiana
One of the best ways to ensure you pay less for car insurance is to maintain a good driving record. Auto insurance companies view good drivers as less risky customers and in turn, charge them lower premiums. Staying on the right side of the law is a great way to cut your insurance costs.
If you’ve steered clear of violations in recent years, start your insurance search with Erie, which offers an average annual insurance rate of $697. That comes out to $525less than the average car insurance rate for drivers without driving violations in Indiana.
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH NO VIOLATIONS IN INDIANA
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Erie | $697 |
| Pekin Insurance | $722 |
| USAA | $819 |
| State Farm | $854 |
| Celina Insurance Group | $920 |
| Hastings Mutual Insurance Co | $995 |
| Cincinnati Insurance | $1,002 |
| Grange Mutual | $1,022 |
Auto insurance rates for drivers with above-average credit scores in Indiana
Auto insurance companies reward clients who maintain a solid credit profile. Auto insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.
If you have a "good" credit score (670-739), your top option for car insurance in Indiana could be Erie, offering average rates of $697. If your credit score is in the “excellent” range, Erie might be a smart place to start your search. Erie's premiums for drivers with "excellent" credit average are $439 per year less than the typical car insurance rate for drivers with exceptional credit in Indiana.
Find below a breakdown of auto insurance rates in Indiana for drivers with good, very good, and excellent credit scores.
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN INDIANA
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Erie | $697 |
| Pekin Insurance | $722 |
| USAA | $819 |
| State Farm | $854 |
| Celina Insurance Group | $920 |
| Hastings Mutual Insurance Co | $995 |
| Cincinnati Insurance | $1,002 |
| Grange Mutual | $1,022 |
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN INDIANA
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Erie | $601 |
| Pekin Insurance | $645 |
| State Farm | $722 |
| USAA | $760 |
| Celina Insurance Group | $836 |
| Cincinnati Insurance | $880 |
| Hastings Mutual Insurance Co | $903 |
| Wolverine Mutual | $957 |
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN INDIANA
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Erie | $568 |
| Pekin Insurance | $574 |
| State Farm | $685 |
| USAA | $695 |
| Celina Insurance Group | $734 |
| Cincinnati Insurance | $842 |
| Hastings Mutual Insurance Co | $880 |
| United Farm Bureau of IN Group | $889 |