Best and Cheapest Car Insurance in Indiana for 2024 (Big Savings With These 10 Companies!)
USAA, Geico, and Progressive have the best and cheapest car insurance in Indiana.
While USAA is the cheapest of the auto insurance companies in Indiana, only military members and their families can purchase coverage. If that doesn’t apply to you, Geico is a cheap alternative.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $15 | A++ | Military Benefits | USAA |
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#2 | $22 | A++ | Various Discounts | Geico |
 |
#3 | $24 | A+ | Snapshot Program | Progressive |
 |
#4 | $25 | A++ | Specialized Coverage | Travelers |
 |
#5 | $26 | B | High-Risk Drivers | State Farm |
 |
#6 | $27 | A | Group Discounts | Farmers |
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#7 | $33 | A+ | Vanishing Deductible | Nationwide |
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#8 | $37 | A | Claims Service | American Family |
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#9 | $48 | A+ | Claims Satisfaction | Allstate |
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#10 | $63 | A | Policy Options | Liberty Mutual |
Learn more about Idaho auto insurance, including which car insurance companies in Indiana have the cheapest rates. Then, enter your ZIP code into our free comparison tool above to see how much you might pay.
What You Should Know
- Car insurance quotes in Indiana are usually less expensive than the national average
- Get cheap auto insurance in Indiana by comparing multiple quotes
- USAA and Geico have the best Indiana car insurance rates
On this page:
- #1 – USAA: Top Pick Overall
- #2 – Geico: Best for Affordable Rates for All Drivers
- #3 – Progressive: Best for Innovative Digital Tools
- #4 – Travelers: Best for Excellent Customer Service
- #5 – State Farm: Best for Personalized Service and Policies
- #6 – Farmers: Best Selection of Car Insurance Discounts
- #7 – Nationwide: Best for UBI Savings
- #8 – American Family: Best for Quick Claims Handling
- #9 – Allstate: Best for Full Coverage Policies
- #10 – Liberty Mutual: Best for Unique Coverage Options
- Indiana Car Insurance Rates
- Indiana Car Insurance Rates for Teens
- Indiana Car Insurance Rates for Married Couples
- Indiana Car Insurance Rates for Older Drivers
- Indiana Car Insurance Rates by City
- Indiana Car Insurance Requirements
- Uninsured Motorists in Indiana
- How to Get the Cheapest Car Insurance Rates in Indiana
- How to Save Money on Your Indiana Car Insurance in Indiana
- How Clearsurance Rates Car Insurance Companies
- Find the Best and Cheapest Car Insurance in Indiana Today
#1 – USAA: Top Pick Overall
Pros
- Competitive Rates: USAA is almost always the number one option for cheap car insurance in Indiana, no matter what type of driver you are.
- Excellent Customer Service: USAA has high satisfaction ratings, particularly among Indiana drivers. See what customers have to say in our USAA car insurance review.
- Exclusive Discounts: One reason USAA can offer some of the cheapest car insurance in Indiana is because it offers special discounts for military members and their families.
Cons
- Eligibility Restrictions: You need to be a member to buy USAA car insurance in Indiana, and membership is only available to military members, veterans, and their families.
- Limited Local Presence: There are fewer physical USAA offices in Indiana, making it more difficult to find in-person support for car insurance.
#2 – Geico: Best for Affordable Rates for All Drivers
Pros
- Affordable Pricing: Geico offers some of the cheapest auto insurance in Indiana for most drivers. See how much you might pay in our Geico car insurance review.
- User-Friendly Digital Tools: Geico has an excellent mobile app for online account management, starting claims, and downloading digital Indiana insurance cards.
- Extensive Range of Discounts: With numerous discounts, including for good students and federal employees, Geico makes it easy to find the cheapest auto insurance for Indiana drivers.
Cons
- Mixed Claim Handling Reviews: Some Indiana customers report challenges with the Geico car insurance claims process.
- Potential Rate Increases: Geico car insurance premiums can increase significantly in Indiana after an accident or violation.
#3 – Progressive: Best for Innovative Digital Tools
Pros
- Snapshot Program: Save up to 30% in Indiana by signing up for Progressive’s usage-based insurance (UBI) program that rewards safe driving.
- Competitive Rates: If you want to shop at cheap Indiana car insurance companies, Progressive is usually a good choice.
- Digital Tools: Progressive offers a modern take on car insurance in Indiana with a variety of digital options, like the Name Your Price tool. Learn more about the Name Your Price tool in our Progressive car insurance review.
Cons
- Mixed Reviews on Claims: Some Indiana customers report issues with the claims process, stating that Progressive is slow to resolve open car insurance claims.
- Unexpected Rate Increases: Progressive drivers in Indiana often report that their car insurance rates unexpectedly increased, even when nothing changed about their situation.
#4 – Travelers: Best for Excellent Customer Service
Pros
- Excellent Discounts: Travelers offers discounts to help you find affordable car insurance in Indiana, including for hybrid vehicles and safe driving.
- Local Agents: With a strong presence of local agents throughout Indiana, getting personalized car insurance service from Travelers is a simple task.
- High Customer Satisfaction: Travelers typically gets positive reviews for customer service in Indiana. See why customers love their policies in our Travelers car insurance review.
Cons
- Higher Premiums for High-Risk Drivers: While high-risk drivers in Indiana always pay more for car insurance, they’ll see particularly high rates from Travelers.
- Limited Online Tools: Some Indiana customers find the Travelers digital experience disappointing, particularly in regards to the mobile app for car insurance policy management.
#5 – State Farm: Best for Personalized Service and Policies
Pros
- Extensive Network of Representatives: State Farm maintains a strong network of local agents in Indiana offering personalized service and support for car insurance.
- Discounts for Safe Drivers: There are multiple State Farm car insurance discounts for safe driving habits and vehicle safety features in Indiana.
- Comprehensive Coverage Options: State Farm offers a wide range of coverage choices, including customized policies for Indiana residents. Get an idea of what coverages would suit your needs in our State Farm car insurance review.
Cons
- Higher Average Rates: Despite offering a variety of car insurance discounts, State Farm can be more expensive than many of its Indiana competitors.
- Customer Service Variability: While some drivers are happy, State Farm has a reputation for having some negative car insurance service experiences in Indiana.
#6 – Farmers: Best Selection of Car Insurance Discounts
Pros
- Generous Discounts: With 23 discount options, Farmers has one of the most extensive lists of discounts in Indiana. See all your opportunities to save in our Farmers car insurance review.
- Flexible Payment Plans: Farmers earns its spot as one of the top-rated insurance companies in Indiana by offering multiple payment options to accommodate different financial situations.
- Extensive Policy Options: Farmers provides a wide range of coverage options tailored to Indiana drivers so they can get the best car insurance in Indiana without compromising.
Cons
- Mixed Customer Service Reviews: Some Indiana drivers report inconsistent car insurance experiences from Farmers.
- Higher Premiums: Farmers car insurance is often more expensive when compared to other Indiana competitors, especially if you have a low credit score.
#7 – Nationwide: Best for UBI Savings
Pros
- Vanishing Deductible: Sign up for Nationwide’s vanishing deductible program in Indiana to see your deductibles decrease over time with safe driving. Learn how you can reduce your deductible in our Nationwide car insurance review.
- SmartRide: Nationwide has one of the best UBI discounts, with the safest drivers saving up to 40% through SmartRide. If you’re a low-mileage driver, you can get cheap insurance in Indiana through the other UBI program, SmartMiles.
- Coverage Options: Get good car insurance in Indiana by selecting any of Nationwide’s wide range of insurance coverage options.
Cons
- Higher Coverage Costs: Nationwide is rarely the cheapest option for car insurance in Indiana. However, riders who maximize their savings with SmartRide will see much more competitive rates.
- Weak Digital Experience: With the exception of the SmartRide program, most Indiana drivers agree that Nationwide lacks robust online car insurance tools.
#8 – American Family: Best for Quick Claims Handling
Pros
- Ample Physical Locations: An extensive network of local agents throughout the state of Indiana means American Family can provide personalized car insurance service to all of its drivers.
- Unique Discounts: American Family offers unique car insurance discounts in Indiana, such as those for young drivers and being a loyal customer.
- Excellent Customer Satisfaction: Most drivers agree that American Family provides a positive car insurance service and claims-handling experience in Indiana.
Cons
- Limited Availability: While American Family sells car insurance in Indiana, it doesn’t sell coverage nationwide. If you plan on leaving Indiana, you may need to find a new provider.
- Digital Options: American Family’s online tools leave much to be desired, according to many Am Fam drivers in Indiana. See what drivers don’t like about it in our review of American Family car insurance.
#9 – Allstate: Best for Full Coverage Policies
Pros
- Accident Forgiveness: Allstate may not have the best car insurance rates in Indiana, but you can keep your prices as low as possible by purchasing accident forgiveness.
- Safe Driving Bonuses: Allstate rewards safe driving habits in Indiana with discounts and bonuses. Learn more about safe driving bonuses in our Allstate car insurance review.
- Full Coverage Policy Options: Drivers looking for full coverage policies in Indiana can find the perfect policy with Allstate’s selection of car insurance options.
Cons
- Expensive Coverage: No matter what type of driver you are, Allstate is almost always one of the most expensive Indiana auto insurance companies.
- Mixed Customer Service: Varying car insurance experiences regarding service quality are reported by Allstate customers in Indiana.
#10 – Liberty Mutual: Best for Unique Coverage Options
Pros
- Customizable Coverage: Liberty Mutual makes customizing your Indiana car insurance policy easy as it offers a range of coverage options, many of which are hard to find elsewhere.
- Accident Forgiveness: Adding accident forgiveness to your Liberty Mutual car insurance policy helps avoid premium increases after an accident in Indiana.
- Specialty Educator’s Coverage: In an effort to help teachers get the cheapest Indiana car insurance possible, Liberty Mutual offers educators special savings. Learn how Liberty Mutual supports teachers in our car insurance review of Liberty Mutual.
Cons
- Average Rates: Liberty Mutual is not typically the most expensive option for coverage, but it also doesn’t have the cheapest Indiana auto insurance.
- Mixed Customer Satisfaction: According to Liberty Mutual customers in Indiana, the company offers inconsistent car insurance service quality.
Indiana Car Insurance Rates
Drivers in Indiana pay about the same as the national average for car insurance. Check out monthly Indiana car insurance rates from our top companies below to see how much you might be charged for insurance.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $48 | $140 |
| American Family | $37 | $107 |
| Farmers | $27 | $79 |
| Geico | $22 | $63 |
| Liberty Mutual | $63 | $183 |
| Nationwide | $33 | $97 |
| Progressive | $24 | $69 |
| State Farm | $26 | $71 |
| Travelers | $25 | $69 |
| USAA | $15 | $43 |
Indiana car insurance rates may not be outrageously expensive, but that doesn’t mean there aren’t ways to lower your quotes. Of all the ways customers save money on their car insurance, the easiest is to find discounts. We’ve compiled a list of popular discounts popular with Indiana drivers from our top providers below.
You can also take steps like lowering your coverage limits or raising your deductible, but nothing is as effective at finding low rates as comparing quotes. Most insurance companies have a free request form on their websites you can use for a quick, personalized quote.
These forms only take a few moments to fill out and a few pieces of information, like your car’s VIN and your driver's license number. However, filling out multiple forms can be time-consuming. If you’re interested in saving time, consider using an online quote-generating tool to see multiple prices at once.
Indiana Car Insurance Rates for Teens
When shopping for auto insurance rates, each company's algorithm is different. So something that drives up rates with one company might not have as big an impact at another. Some companies are generally cheaper, but there's no guarantee another won't beat their price for you with the right combination of discounts and rates for drivers.
Teen drivers often have the hardest time finding affordable car insurance. They lack driving experience, and they're more likely to be in an auto accident. However, teens may benefit from usage-based insurance as it can significantly lower your rates.
Many large companies now offer discounts for good grades and other things that show responsibility. So even though you lack the time required for a clean driving record, a teen driver can still get the cheapest rates for their age group. In fact, taking efforts to stay safe can help you save significantly.
Out of the five largest car insurance companies in Indiana, Erie offers the cheapest car insurance rates for teens on average. In the table below, you can find monthly Indiana teen car insurance rates for male and female drivers.
| Insurance Company | Age 18: Female | Age 18: Male |
|---|---|---|
| Allstate | $142 | $193 |
| Erie | $50 | $63 |
| Indiana Farm Bureau | $96 | $112 |
| Progressive | $153 | $168 |
| State Farm | $87 | $100 |
Keep in mind that car insurance does go down at age 25, as long as you keep your driving record clean.
These rates are based on profiles for 18-year-old male and female drivers in Indiana. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Indiana will differ. Rate data is provided by Quadrant Information Services.
Indiana Car Insurance Rates for Married Couples
In Indiana, Erie also offers the best car insurance companies for married couples . If it seemed strange at first that your agent asked about your marital status, know that it was probably to give you a quote on lower auto insurance prices, and not because they wanted to gossip.
The table below displays monthly Indiana car insurance rates for a married couple with two cars on a policy from the five largest companies in the state.
| Insurance Company | Married Couple |
|---|---|
| Allstate | $153 |
| Erie | $104 |
| Indiana Farm Bureau | $169 |
| Progressive | $163 |
| State Farm | $114 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years, and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Indiana will differ. Rate data is provided by Quadrant Information Services.
Indiana Car Insurance Rates for Older Drivers
Mature, senior drivers generally are given cheap options when it comes to coverage because of their extensive driving records. This is why teenage and newly licensed drivers are often given more expensive rates; they lack the experience.
As for the best car insurance companies for senior drivers, Erie offers the cheapest rates for both male and female seniors in Indiana. Below you can see monthly Indiana car insurance rates for male and female senior drivers for the five largest companies in the state.
| Insurance Company | Age 65: Female | Age 65: Male |
|---|---|---|
| Allstate | $88 | $95 |
| Erie | $53 | $53 |
| Indiana Farm Bureau | $87 | $87 |
| Progressive | $71 | $73 |
| State Farm | $56 | $57 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage including collision coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The lowest rates displayed should only be used for comparative purposes as individual rates in Indiana will differ. Rate data is provided by Quadrant Information Services.
Indiana Car Insurance Rates by City
While the state you live in affects your car insurance rates, so does the area within the state you live in. Car insurance rates in Indiana can even vary by different areas within a city. This is why, when you're looking at the average cost of coverage in your area, you need to be specific with the location. And, no matter what city you live in, you should always buy coverage. The penalty for driving without car insurance can be severe.
The city of Berne is the cheapest area in Indiana for car insurance. In the table below, you can see the top ten cheapest areas in Indiana for car insurance based on average monthly rates for a single adult.
| Area | Rates |
|---|---|
| Berne | $84 |
| Geneva | $85 |
| Decatur | $85 |
| Poneto | $85 |
| Lafayette | $86 |
| Keystone | $86 |
| Monroe | $86 |
| Bluffton | $87 |
| Westpoint | $87 |
| Pleasant Mills | $88 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates with insurance providers in Indiana will differ. Rate data is provided by Quadrant Information Services.
Indiana Car Insurance Requirements
Indiana drivers are required to show financial responsibility by purchasing liability insurance, uninsured motorist, and underinsured motorist coverage. There is a caveat to this required coverage, though. If you want to opt out of the uninsured motorist coverages, Indiana allows you to do so in writing.
Indiana's minimum required amounts for these required types of coverage are detailed below, but it's important to consider purchasing higher limits. These minimums likely wouldn't be enough to cover your costs in an expensive accident, and uninsured motorist coverage is meant for bodily injuries. If your car is damaged or totaled, you would be on your own to repair or replace it with state minimum coverage.
Minimum requirements in Indiana must be met before you drive on a public street or register your vehicle. Indiana state car insurance requirements include the following:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured/Underinsured Motorist: $25,000 per person and $50,000 per accident for bodily injury; $25,000 per accident for property damage
In addition to the required coverage per person, Indiana insurance companies offer many optional, affordable coverage types, such as collision and comprehensive, that you can add to your policy. You may have to hunt a little more to find cheap rates or insurance discounts that will offset their cost, but it'll be worth it when you're given comprehensive compensation for a tree branch falling on your vehicle, or your car is the victim of any number of natural disasters that could occur in your area. You can learn more about different car insurance coverages on our blog.
Bodily injury liability provides auto insurance coverage for injuries sustained by the other vehicle's driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else's property in a car accident. This is most commonly the other vehicle, but also includes things like a home or fence.
So while it's true that opting out of most optional coverage will give you cheaper rates each month or year, depending on how you pay for your policy, you may end up in a black hole of debt because you only went with the minimum limits.
Uninsured Motorists in Indiana
As we mentioned, Indiana does offer drivers the opportunity to opt out of uninsured motorist coverage in writing, but the data suggests this coverage could come in handy. According to 2015 data from the Insurance Information Institute, 16.7 percent of Indiana drivers are uninsured, which is the 8th highest percentage in the country. An uninsured driver could spell financial disaster for other, safe drivers who are on the road. Having uninsured motorist protection might be an extra cost, but it's worth attempting to fit it into your budget, because the numbers don't lie.
So, if you do decide to opt out of the coverage, remember that almost one in every five drivers in the state is without insurance. Uninsured motorist coverage is more than just peace of mind. It could be the part of your coverage policy that saves you hundreds of dollars after an accident with someone who is driving without insurance.
How to Get the Cheapest Car Insurance Rates in Indiana
When searching and comparing quotes from the best auto insurance companies in Indiana, it can be frustrating trying to understand how your insurance rates are calculated. A large part of your rates depend on what kind of car insurance you really need. When you ask an insurer for an accurate quote, they usually ask you multiple questions about your life and driving history. But what is actually used to calculate what your annual premium will cost?
While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Age, Gender, and Marital Status
- Driving Record & Mileage
- Location & Credit Score
- Car’s Make, Model, and Year
- Type of Car Insurance Coverages
Insurance quotes give you a snapshot of these factors. When you go through online calculators, you give companies a basic questionnaire of information. Then they give you a quote. Some ask about common discounts like anti-lock brake and security systems. If you're on the insurer's website, you can also check if they offer other discounts like a telematics program in the first 90 days.
When you're comparing rates from different companies, always make sure you're comparing like products with reputable companies. Companies like State Farm and Geico are nationally known, but there are many local insurance companies that also offer competitive coverage options.
How to Save Money on Your Indiana Car Insurance in Indiana
At the end of the day, we'd all like to have an affordable policy with high coverage limits and plenty of protection from one of the best Indiana car insurance companies.
While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium. Here are five ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies.
- Consider raising your deductibles.
- Pay your car insurance policy in full.
- Try usage-based car insurance.
- Monitor price changes to your policy.
Other long term methods of lowering your rates include improving your credit score and keeping your driving record clean. However, the easiest way to keep your rates low is to compare quotes from as many companies as possible.
How Clearsurance Rates Car Insurance Companies
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better for a comprehensive analysis. For comparison purposes, looking at sample rates, financial strength ratings, and how well they handle customer satisfaction can give us a much better idea of how a company works, rather than only focusing on if they offer numerous discounts.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Whether you're buying an auto insurance policy direct or going through an agent, understanding the different car insurance coverage options is a must.
Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works? Do you want the minimum coverage for your car, or do you need more? Do you have a particular auto insurance company in mind?
If you're still not content, and have questions like the ones above, you can look into other informative guides.
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.
Most drivers benefit from going beyond the minimum requirements. While it's true that you'll see a higher annual cost for higher policy limits, you may also find that in the event of a crash that would otherwise be financially debilitating, you walk away with minimal bills due.
You should also be aware of what sort of auto coverage you're going to be required to carry. Depending on if your car is financed and other factors, you may need proof of insurance with collision coverage and comprehensive insurance. There's a wide range of policy options out there, which means it should be easy to find one if you comparison shop.
Find the Best and Cheapest Car Insurance in Indiana Today
Whether you’re following the ultimate guide to switching car insurance companies to save money or looking for first-time car insurance, getting cheap coverage in Indiana doesn’t have to be difficult. Simply look for discounts, choose the right coverage levels, and compare quotes to find low rates.
Now that you know how to find cheap Indiana car insurance, your next step should be to compare quotes. Enter your ZIP code in our free comparison tool below to start comparing quotes today.
Frequently Asked Questions
Who offers the most affordable options for teen drivers in Indiana?
Out of the five largest car insurance companies in Indiana, Erie offers the cheapest car insurance rates for teens on average.
Who offers the cheapest options for married drivers in Indiana?
In Indiana, Erie offers the cheapest car insurance rates for married couples on average.
Who offers the cheapest auto policies for seniors in Indiana?
Erie Insurance Group offers the cheapest car insurance rates for both male and female seniors in Indiana.
Who has the best car insurance rates in Indiana?
The best car insurance in Indiana depends on your unique needs. However, the overall top providers in Indiana are USAA, Geico, and Progressive.
How much insurance do you need in Indiana?
Indiana state law requires drivers to carry a 25/50/25 liability auto insurance policy to drive on public roads.
Why is insurance so expensive in Indiana?
Indiana drivers pay about the same as the national average, so car insurance isn’t too expensive. However, rates are on the rise in Indiana due to higher car thefts, more accidents, and denser traffic.
Who has the cheapest car insurance in Indiana?
The cheapest car insurance in Indiana comes from USAA. However, you can only purchase a USAA policy if you’re active or retired military or a direct family member. For non-military members, Geico is the cheapest option.
What happens if you drive without car insurance in Indiana?
The penalty for driving without car insurance in Indiana depends on how many times you’ve been caught, but you’ll have to at least pay a fine, have your license suspended, and have to submit SR-22 insurance for a year.
Is Indiana a no-fault state?
No, Indiana is an at-fault state. That means that whoever causes an accident will have to pay for damages and injuries they cause.
Can you register your car in Indiana without car insurance?
You will not be able to register a vehicle in Indiana without car insurance. The Indiana DMV will not issue a registration until you’ve submitted proof of insurance or it receives proof from your provider.