Car Insurance for Good Drivers in Indiana

The Zebra
July 15, 2019

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 CompanyAvg. 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 CompanyAvg. 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 CompanyAvg. 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 CompanyAvg. 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

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Auto insurance for low-mileage drivers in Indiana

The less frequently you drive, the less likely you are to be involved in a collision or file a claim. That’s the logic auto insurance companies use to charge infrequent drivers lower premiums. If you drive less than 7,500 miles per year, you could receive a car insurance price cut. Exactly how much you can save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a resident of Indiana who drives only infrequently, consider Pekin Insurance, which offers average annual savings of $622 for low-mileage clients.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN INDIANA
Insurance CompanyAvg. Annual Auto Insurance Rate
Pekin Insurance$600
Erie$652
USAA$720
State Farm$765
Celina Insurance Group$920
Hastings Mutual Insurance Co$995
Cincinnati Insurance$1,002
Grange Mutual$1,022

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Insurance rates for good drivers in Indiana — in major cities

Car insurance rates don't depend only on the state in which a driver resides — their city and ZIP code matter, too. Auto insurance companies price policies by the driver’s home ZIP code, adjusting premiums for the risk levels associated with various regions.

Find below a breakdown of car insurance rates for drivers with positive rating factors in the five most populous cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Fort Wayne$1,203$1,203$1,077$988$1,099
South Bend$1,206$1,206$1,078$989$1,110
Evansville$1,273$1,273$1,138$1,044$1,160
Indianapolis$1,325$1,325$1,185$1,088$1,209
Hammond$1,559$1,559$1,400$1,290$1,475

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