Cheapest Car Insurance in Indiana (Best Rates in 2024)
Auto-Owners has the best cheap car insurance in Indiana, at $97 per month for full coverage.
Find Cheap Auto Insurance Quotes in Indiana
Best cheap car insurance companies in Indiana
How we chose the top companies
Best and cheapest car insurance in Indiana
- Cheapest full coverage: Auto-Owners, $97/mo
- Cheapest minimum liability: Auto-Owners, $28/mo
- Cheapest for young drivers: Auto-Owners, $115 /mo
- Cheapest after a ticket: Auto-Owners, $97/mo
- Cheapest after an accident: Auto-Owners, $123/mo
- Cheapest for teens after a ticket: Auto-Owners, $123/mo
- Cheapest after a DUI: Travelers, $162/mo
- Cheapest for poor credit: Travelers, $184/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Auto-Owners, State Farm and American Family all have good customer service and cheaper rates than average.
State Farm and American Family both offer online quotes, so you can easily compare rates to find the best price for you. But you'll need to work with an independent insurance agent to compare rates from Auto-Owners.
Best cheap car insurance in Indiana: Auto-Owners
Auto-Owners has the best cheap full coverage insurance in Indiana for most drivers.
Quotes from Auto-Owners average $97 per month. That's 23% less than the average cost of car insurance in Indiana, which is $126 per month for full coverage.
Find Cheap Auto Insurance Quotes in Indiana
Indiana drivers with military ties can find even cheaper rates at USAA. Full coverage from USAA costs around $70 per month, which is 44% cheaper than average.
But only active-duty military members, veterans and some of their family members can buy car insurance from USAA.
Cheap full coverage insurance in Indiana
Company | Monthly rate | |
|---|---|---|
| Auto-Owners | $97 |
| Travelers | $111 |
| State Farm | $114 |
| American Family | $123 |
| Farm Bureau | $133 |
*USAA is available only to current and former military members and their families.
Cheapest liability car insurance in Indiana: Auto-Owners
Auto-Owners is the cheapest car insurance company in Indiana for minimum coverage insurance, at $28 per month.
That's 36% cheaper than average and $10 per month less than the second-cheapest option, American Family.
Indiana drivers who qualify for USAA can get even cheaper quotes. But membership is open only to people with military connections.
Cheap liability insurance in Indiana
Company | Monthly rate |
|---|---|
| Auto-Owners | $28 |
| American Family | $38 |
| State Farm | $41 |
| Farm Bureau | $43 |
| Progressive | $43 |
*USAA is available only to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Indiana
Cheap Indiana auto insurance for teen drivers: Auto-Owners
Auto-Owners has the most affordable insurance in Indiana for young drivers.
The company has the lowest rates for young drivers, whether you want expansive or bare-bones coverage. Minimum coverage from Auto-Owners costs $115 per month for an 18-year-old driver in Indiana. That's 14% cheaper than the Indiana average, which is $134 per month.
Auto-Owners also has the cheapest full coverage rates for teens. At $290 per month, a policy from Auto-Owners costs 16% less than the Indiana average. It also costs $27 per month less than the second-cheapest widely available company, Travelers.
Best Indiana car insurance quotes for teens
Company | Liability only | Full coverage |
|---|---|---|
| Auto-Owners | $115 | $290 |
| Geico | $126 | $320 |
| Progressive | $131 | $409 |
| Travelers | $136 | $317 |
| State Farm | $141 | $352 |
Young drivers in the military and those with family members who served should try to compare quotes from USAA.
An 18-year-old driver pays around $45 per month for minimum coverage from USAA and $132 per month for full coverage. That's less than half the cost of a policy from Auto-Owners.
In addition, USAA offers big discounts if you live on a military base or are deployed.
The average cost of minimum coverage car insurance for 18-year-old drivers in Indiana is three times as much as for 30-year-old drivers.
Car insurance for young drivers is usually more expensive because they don't have as much experience behind the wheel. The best way for younger drivers to find cheap insurance in Indiana is by sharing a policy with their parents.
Cheap auto insurance in Indiana after a speeding ticket: Auto-Owners
Auto-Owners has the cheapest insurance quotes in Indiana for drivers with a recent speeding ticket.
Full coverage insurance from Auto-Owners costs around $97 per month after a speeding ticket. That's 35% cheaper than average.
Cheapest Indiana auto insurance for drivers with a ticket
Company | Monthly rate |
|---|---|
| Auto-Owners | $97 |
| State Farm | $124 |
| Travelers | $140 |
| American Family | $141 |
| Geico | $157 |
Getting a speeding ticket in Indiana can raise your rates by an average of 19%. However, not all companies increase rates by the same amount. Allstate, Progressive, Travelers and USAA all raise rates by more than 25% after a speeding ticket. On the other hand, American Family, Farm Bureau and Geico increase rates by less than 20% after one ticket.
Cheap Indiana car insurance after an accident: Auto-Owners
Auto-Owners has the best auto insurance rates for Indiana drivers who have been in an at-fault accident. Full coverage insurance from Auto-Owners is $123 per month, which is 34% cheaper than the state average.
Most affordable car insurance in Indiana after an accident
Company | Monthly rate |
|---|---|
| Auto-Owners | $123 |
| State Farm | $138 |
| Travelers | $155 |
| Farm Bureau | $199 |
| American Family | $211 |
In Indiana, having an accident on your record will increase your rates by an average of 47%.
Some companies will offer accident forgiveness, which keeps your rates from going up. Insurance companies increase rates for drivers with accidents because they are more likely to be in another accident in the future. That makes them more expensive to insure.
Cheapest for teens after a ticket or accident: Auto-Owners or Progressive
Auto-Owners has the best rates for young drivers in Indiana after a speeding ticket. Progressive has the cheapest rates for teens after an at-fault accident.
A minimum coverage policy from Auto-Owners costs $123 per month for an 18-year-old with one speeding ticket. That's 25% cheaper than the Indiana average, which is $164 per month.
An 18-year-old in Indiana can expect to pay around $157 per month with Progressive for minimum coverage after an accident. Progressive is 23% cheaper than the state average for teens who have caused an accident.
Indiana teens with an accident on their record should also consider Auto-Owners. Minimum coverage from Auto-Owners costs $7 more per month than a policy from Progressive. But it has more reliable customer service, so spending the extra money may be worth it if you ever have to make a claim.
Cheap quotes for Indiana teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Auto-Owners | $123 | $164 |
| Geico | $140 | $181 |
| Progressive | $145 | $157 |
| State Farm | $155 | $177 |
| Travelers | $169 | $193 |
Young drivers in Indiana with military ties can get even cheaper rates from USAA. Minimum coverage from USAA costs $57 per month for teens with a speeding ticket and $64 per month after an accident. However, USAA sells car insurance only to military members, veterans and certain family members.
Best cheap insurance in Indiana after a DUI: Travelers
Travelers has the cheapest rates in Indiana for drivers with a DUI on their record. At $162 per month, a full coverage policy from Travelers is 26% less expensive than average.
Best price for Indiana car insurance after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $162 |
| Progressive | $180 |
| State Farm | $209 |
| Auto-Owners | $230 |
| American Family | $234 |
Indiana drivers can expect their rates to go up by an average of 63% after a DUI. You may also need an SR-22 filing in Indiana after a DUI. An SR-22 filing typically costs around $50.
Cheapest quotes for Indiana drivers with poor credit: Travelers
Travelers has the best rates for drivers with poor credit, charging $184 per month for full coverage. That's 33% cheaper than the Indiana state average.
Best car insurance in Indiana if you have poor credit
Company | Monthly rate |
|---|---|
| Travelers | $184 |
| Geico | $207 |
| American Family | $223 |
| Allstate | $261 |
| Progressive | $269 |
The average cost of car insurance in Indiana is $275 per month for drivers with poor credit. That's more than twice as much as drivers with good credit pay for full coverage in Indiana.
Insurance companies typically charge higher rates for drivers with poor credit. Companies believe people with bad credit are more likely to file a claim.
Best car insurance in Indiana: State Farm
State Farm is the best insurance company in Indiana for most people because of its availability, affordable rates and excellent customer service.
USAA also offers top-rated excellent service and some of the cheapest rates in Indiana. But only military members, veterans and their family members can buy car insurance from USAA.
Top insurance companies in Indiana
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Farm Bureau | NR | A | |
| Auto-Owners | 837 | A++ | |
| Geico | 835 | A++ |
When shopping for the best car insurance, Indiana drivers should look for a good balance between cheap rates and reliable customer service.
A company with good customer service reviews will often have a fast and easy claims process. That can be very helpful after an accident, when you want to get back on the road as quickly as possible.
Companies with poor customer service could take longer to pay for repairs. And you may end up spending more money to get your car fixed.
Average car insurance cost in Indiana by city
East Chicago — a suburb of Chicago, Illinois — is the most expensive city in Indiana for car insurance.
Full coverage insurance in East Chicago costs an average of $181 per month. Berne, located near the Ohio border, has the cheapest rate on average, at $112 per month.
Full coverage car insurance in Indiana by city
City | Monthly rate | % from average |
|---|---|---|
| Aberdeen | $134 | 6% |
| Advance | $121 | -4% |
| Akron | $124 | -1% |
| Alamo | $119 | -5% |
| Albany | $116 | -8% |
Depending on where you live in Indiana, average full coverage car insurance rates can differ by as much as $69 per month.
Insurance is typically more expensive in places where accidents and auto theft are more common, especially large cities. That's because people living in these areas are more likely to file a claim, which makes them more expensive to insure.
Minimum requirements for auto insurance coverage in Indiana
Indiana requires drivers to have a minimum amount of liability coverage to drive legally. The requirements are sometimes written as 25/50/25.
- Bodily injury liability (BI): $25,000 per person and $50,000 per accident
- Property damage liability (PD): $25,000 per accident
Most Indiana drivers should consider having more liability insurance than the state requires. These limits may not be high enough to cover the cost of a serious accident. You could end up paying for any extra repairs or medical bills yourself if an expensive car accident turns into a lawsuit.
What's the best car insurance coverage for Indiana drivers?
Minimum liability is the cheapest kind of auto insurance because it includes only coverage legally required by the state. In Indiana, minimum coverage insurance pays for injuries to others or damage to their property if you cause a crash.
But a minimum coverage policy won't pay for damage to your car. And the liability limits may not be high enough to cover the cost of an expensive wreck. For those reasons, most Indiana drivers should get a full coverage policy.
Lenders typically require you to have full coverage car insurance if you have a car loan or lease. And it's a good idea for cars that are less than 8 years old or worth more than $5,000.
That's because full coverage includes liability insurance as well as comprehensive and collision coverage. Collision coverage pays for damage to your own car if you cause an accident. Comprehensive covers other types of damage to your car, including theft or storm damage.
Frequently asked questions
What is the cheapest car insurance in Indiana?
Auto-Owners has the cheapest rate for minimum coverage car insurance in Indiana, at $28 per month. It is also the cheapest company for full coverage, at $97 per month.
How much is the average cost of car insurance per month in Indiana?
The average cost of full coverage car insurance in Indiana is $126 per month, or $1,511 per year. Minimum coverage is $44 per month, or $533 per year.
Is Indiana a no-fault state?
No, Indiana is an at-fault state for car insurance. This means if you hurt someone in a car crash or cause damage, your liability coverage will pay for the costs. It also means drivers or insurance companies can sue you for damages, such as compensation for pain and suffering.
Is car insurance cheap in Indiana?
Car insurance in Indiana is much cheaper than the national average. Full coverage insurance in Indiana costs $126 per month, which is 24% less than average. At $44 per month, minimum liability insurance in Indiana is 31% cheaper than the national average.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Indiana from the state's largest insurance companies. Rates are for a 30-year-old man with good credit and a 2015 Honda Civic EX.
Full coverage quotes include higher liability limits than required in Indiana plus comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.