The best car insurance in Indiana

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Meredith Napolitano Meredith NapolitanoFreelance contributorAs a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.&Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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The average cost of full coverage car insurance in Indiana is $1,215, but your rates may be higher or lower depending on a number of factors, like your age, driving history, ZIP code, and credit score.

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The best way to find affordable coverage is to shop around and compare quotes before you buy. Policygenius can help you see options from top car insurance companies, so you can be sure you’re getting the coverage you need at a price you’re happy with.

Key takeaways

  • USAA has the lowest average rates for full coverage car insurance in Indiana, with an average cost of $706 per year

  • Allstate is the cheapest car insurance company for 16-year-old drivers in Indiana

  • Car insurance policies in Indiana include uninsured/underinsured motorist coverage unless it is expressly rejected in writing

Cheapest car insurance companies in Indiana

Car insurance companies all use the same information to determine your rates, but each has its own formula for coming up with prices. That’s why rates can vary from company to company, and why it’s so important to compare quotes before you buy.

Company

Average cost

JD Power Rating

USAA

$706

890

State Farm

$801

882

GEICO

$804

874

Auto-Owners Insurance

$926

865

Indiana Farmers Insurance

$1,026

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Cheapest car insurance companies by age in Indiana

Young drivers are statistically more likely to speed, text while driving,  and be involved in accidents, which is why they pay more for car insurance than any other age group.

Rates typically fall over time until age 25, when young drivers are no longer in the highest-risk category.

Age

Cheapest company

Average cost

16

Allstate

$1,953

18

USAA

$1,443

21

USAA

$1,069

25

USAA

$859

30

USAA

$756

35

USAA

$705

45

USAA

$658

55

USAA

$620

60

USAA

$616

65

USAA

$639

70

USAA

$714

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Choosing the right car insurance company in Indiana

Two different insurance companies can look at the same data and come up with two different rates, which is why the best way to find the right car insurance company for you is to compare options.

The best company is whichever one offers you the coverage you need at a price you’re comfortable with. Policygenius can help you see what you’d pay for policies from top car insurance companies so you can pick the best option for you.

Compare rates and shop affordable car insurance today

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Car insurance rates for drivers with driving violations in Indiana

Even a few violations can increase your rate, but too many violations or accidents may make it difficult to find affordable insurance at all. Serious violations, such as a DUI, will have the biggest impacts on your rates.

Violation

USAA

State Farm

GEICO

Auto-Owners Insurance

Indiana Farmers Insurance

At-fault accident

$1,093

$1,104

$1,708

$1,440

$1,293

DUI

$1,176

$1,011

$1,996

$2,223

$1,386

Suspended license

$1,133

$1,011

$2,401

$2,223

$1,386

Open container

$1,040

$880

$1,996

$1,182

$1,164

Expired registration

$958

$880

$1,303

$932

$1,164

Driving without lights

$958

$880

$1,303

$932

$1,275

Running a red light

$958

$880

$1,303

$932

$1,386

Following too closely

$958

$880

$1,303

$932

$1,386

Hit and run

$1,212

$1,011

$2,296

$2,223

$1,164

Not-at-fault accident

$766

$815

$1,002

$1,031

$1,164

Passing a school bus

$1,040

$880

$1,303

$1,134

$1,386

Reckless driving

$1,040

$1,011

$2,296

$2,223

$1,164

Speeding

$958

$880

$2,296

$1,515

$1,386

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Cheapest car insurance for drivers with bad credit in Indiana

Drivers with bad credit generally pay more for car insurance coverage, but the good news is that credit score isn’t the most important factor when it comes to rates. If your driving record is clean you may still be able to find affordable rates, even with poor credit.

Company

Rates for drivers with bad credit

GEICO

$1,269

USAA

$1,398

Grange Insurance

$1,584

Nationwide

$1,809

Progressive

$1,882

Car insurance costs in Indiana cities

The crime rate, traffic, and numbers of accidents and claims in your area will all affect what you pay for car insurance. Here’s what drivers pay in the 10 biggest cities in Indiana.

  • Indianapolis: $1,320

  • Fort Wayne: $1,186

  • Evansville: $1,262

  • Carmel: $1,143

  • South Bend: $1,188

  • Fishers: $1,175

  • Bloomington: $1,208

  • Hammond: $1,539

  • Gary: $1,627

  • Lafayette: $1,108

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Buying car insurance in Indiana

Indiana drivers must carry at least a minimum amount of car insurance. The car insurance requirements in Indiana are:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $25,000

  • Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident

Indiana specifies that insurers must include uninsured/underinsured motorist insurance at the same levels as the minimum liability requirements, but customers can reject that coverage if they put it explicitly in writing.

How to get cheap car insurance in Indiana

Discounts are a reliable way to bring down your car insurance costs, so make sure you know which ones your car insurance company offers. Some of the most common include:

  • Bundling discount: If you have homeowners, renters, or other insurance policies with the same company, you can save big

  • Safe driver discount: For keeping a clean driving record

  • Good student discount: For young drivers who keep their GPA above a certain level 

  • Low mileage discount: For drivers who keep their mileage under a certain number per year

  • Military discount: For both active duty servicemembers and veterans 

If you are not eligible for any discounts, you can still find the cheapest rates on car insurance by comparing quotes before you buy.

Find car insurance in your city:

Compare rates and shop affordable car insurance today

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Frequently asked questions

Do I need uninsured/underinsured motorist coverage?

In Indiana, car insurance policies automatically include uninsured/underinsured motorist coverage of at least $25,000 per person/$50,000 per accident. If you choose not to accept this coverage, you can reject it expressly in writing. However, many insurance experts agree that carrying this protection is important in case of an accident with an uninsured driver.

Who has the lowest rates in Indiana?

USAA has the lowest average rate in Indiana, but rates vary widely, so comparing policies is the best way to ensure that you get the lowest rate for you.

What is the best insurance for teenage drivers?

Allstate has the most affordable policies for 16-year-old drivers in Indiana, but teenagers should also compare rates to make sure they’re getting the best deal on coverage.

How much is car insurance per month in Indiana?

The average cost of car insurance in Indiana is $101 per month, or $1,215 per year.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Authors

As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

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