Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: May 31, 2021

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AutoInsureSavings.org licensed agents did a comparison study of the cheapest car insurance companies in Indiana and found Erie Insurance ($316 per year) provides the cheapest insurance for state minimum coverage.

And Erie ($1,064 per year) provides the most affordable insurance coverage option for Indiana drivers with full coverage insurance policies

Affordable Indiana Car Insurance Rates

Drivers in Indiana have several options to choose from when looking for affordable and reliable car insurance companies.

Cheapest Car Insurance in Indiana - Key Takeaways
AutoInsureSavings.orgThe cheapest Indiana car insurance options are:

Cheapest for minimum coverage: Erie Insurance
Cheapest for full coverage: Erie
Cheapest after an at-fault accident: State Farm
Cheapest after a speeding ticket: Auto-Owners
Cheapest after a DUI: Progressive
Cheapest with poor credit history: GEICO
Cheapest for young drivers: Erie
For younger drivers with a speeding violation: Erie
For younger drivers with an at-fault accident: Erie

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This excellent Indiana auto insurance guide will help you find the best car insurance premiums and save money for drivers in various categories and age groups. 

Indiana cheapest car insurance with USAA, Erie, Travelers Insurance compared with average rates.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Cheapest Car Insurance in Indiana for Minimum Coverage

Our licensed insurance agents found Erie Insurance offers the cheapest rates for minimum coverage car insurance in Indiana for drivers with good driving records with a $316 yearly quote or $26 monthly rate during our comparison shopping analysis.

The average Indiana state minimum rate is $581 per year, and Erie’s quote is $265 cheaper or 46% less expensive than average rates.

Cheapest Indiana car insurance companies for minimum coverage, by price

Auto InsurerAverage Annual Rate
USAA$290
Erie$316
Travelers$340
Auto-Owners$367
State Farm$412
GEICO$487
American Family$519
Progressive$538
Allstate$640

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*USAA is for qualified military members, their spouses, and direct family members. Your average rates may vary based on the driver’s profile.

While drivers in Indiana can enjoy lower insurance rates by taking out a minimum coverage policy, you may not have all the coverage you need to cover the cost of repairs if your motor vehicle is involved in a severe crash.

Therefore, it is good to compare the rates with multiple car insurance providers with full coverage policies in Indiana that offer first-party coverage above state requirements, which pays to replace or repair your vehicle in an accident.

Cheapest Full Coverage Car Insurance For Drivers in Indiana

Our agents found Erie offers the cheapest auto insurance option with a quote at $1,064 per year or $88 per month for affordable full coverage rates.

Erie’s rate is 34% less expensive than Indiana’s average rate of $1,592 annually or $528 less per year.

Cheapest Indiana car insurance companies for full coverage, by price

InsurerAnnual CostMonthly Cost
Erie Insurance$1,064$88
Travelers$1,237$103
Auto-Owners$1,318$109
Indiana average$1,592$132

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The average cost for full coverage auto insurance for drivers in Indiana is $1,592 per year or $132 per month. The difference between the average price of minimum coverage and a policy with comprehensive and collision insurance in Indiana is $1,011.

Although full coverage is more expensive than a basic insurance policy, the amount you can save over time with comprehensive and collision coverage can help make up the difference since you won’t pay for your vehicle’s property damage from inclement weather or vandalism out of pocket.

Cheapest Car Insurance Coverage in Indiana with Speeding Tickets

With a speeding ticket in their driving history, Indiana drivers can save 33% with Auto-Owners Insurance, which has average annual premium costs of $1,316 per year.

We found Auto-Owners’ rate is $620 cheaper than Indiana’s mean speeding violation rate of $1,936 per year.

InsurerAnnual CostMonthly Cost
Auto-Owners$1,316$109
State Farm$1,472$122
Erie Insurance$1,490$124
Indiana average$1,936$161

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In Indiana, drivers pay an average of $1,936 per year for their car insurance or an 18% rate increase if they have traffic tickets on their driving records.

Therefore, it is good to choose an insurance company that offers the lowest rates for drivers with speeding tickets, even if you do not currently have one on your driving record.

Cheapest Car Insurance with an Auto Accident in Indiana

Drivers needing coverage in Indiana with one at-fault car accident on their driving records can get cheaper auto insurance with State Farm, which provided our agents a $1,643 yearly rate or 35% less expensive than Indiana’s average accident rate for full coverage.

Our agents suggest comparing insurance quotes with Auto-Owners and Erie to find the best rates since their quotes are 33% cheaper for an at-fault accident in Indiana.

InsurerAnnual CostMonthly Cost
State Farm$1,643$136
Auto-Owners$1,875$156
Erie Insurance$1,944$162
Indiana average$2,515$209

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We found the average cost of coverage can increase by 37% in Indiana with an at-fault accident during AutoInsureSavings.org analysis.

The average insurance premium difference for a driver with a clean driving history than a driver with one accident is $923 per year.

Cheapest Car Insurance With a DUI in Indiana

Progressive offers the cheapest DUI coverage rates for drivers in Indiana with a $1,845 annual premium or $153 per month during our rate analysis.

Progressive’s rate is 34% less expensive than Indiana’s average car insurance premiums for a driver with a DUI in their driving history.

InsurerAnnual CostMonthly Cost
Progressive$1,845$153
Erie Insurance$2,036$169
Travelers$2,417$201
Indiana average$2,780$231

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Drivers who receive a DUI/OWI conviction in Indiana can expect their insurance to go up by as much as 43% per year, along with a temporary driver’s license suspension, a required SR-22 form, and a required ignition interlock device (IID) installed in their motor vehicle.

According to the State of Indiana, drivers may be required to take a defensive driving course after a DUI violation within 90 days of the infraction. 

Cheapest Car Insurance for Drivers With Poor Credit in Indiana

Drivers in Indiana with bad credit can find the cheapest auto insurance with GEICO, with an annual $1,968 rate for full coverage. GEICO’s rate is 16% less expensive than the state average of $2,329.

Additional car insurance companies with better than average rates for drivers with poor credit are Travelers and State Farm.

Both auto insurers offer monthly rates at $179 and $181 for a 30-year-old driver or 7% lower than average. 

InsurerAnnual CostMonthly Cost
GEICO$1,968$164
Travelers$2,152$179
State Farm$2,174$181
Indiana average$2,329$194

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The average cost of car insurance for drivers in Indiana with a poor credit score is $2,329 per year, or 34% higher than drivers with a good credit score. Car insurance companies will often look at your credit report’s details to determine what your insurance rate should be. Make sure to pay your credit cards, student loans, and bills on time to keep car insurance rates low. 

Cheapest Car Insurance Coverage in Indiana for Young Drivers

During our insurance agent’s comparison analysis, young Indiana drivers or college students with good driving records can find the cheapest minimum liability auto insurance with Erie Insurance with a $3,141 full coverage rate.

Young driver’s next best option is State Farm for full coverage, which provided our agents a $3,537 per year rate

Auto insurerFull CoverageMinimum Coverage
Erie$3,141$860
State Farm$3,537$1,048
USAA$3,628$794
Auto-Owners$4,180$1,583
GEICO$4,253$1,041
American Family$5,529$1,825
Progressive$5,672$1,473
Allstate$6,279$2,066
Indiana average$4,560$1,328

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*USAA is for qualified military members, their spouses, and direct family members. Your average rates may vary based on the driver’s profile.

Young or teen drivers looking for the most affordable minimum coverage auto policy should go with Erie Insurance, which provided us an $860 quote or 36% lower than Indiana’s average of $1,328 per year.

Additional auto insurers offering cheaper than average minimum coverage rates for young drivers in Indiana are GEICO and State Farm, with quotes at $1,041 and $1,048 or at least 22% cheaper. 

Young or adolescent drivers have higher car insurance rates in Indiana due to their lack of experience and a higher risk of being involved in a car accident. According to the State of Indiana (IN.gov), vehicle crashes are the leading cause of death among teen drivers in Indiana.

One of the best ways for younger drivers to get cheaper auto insurance rates is by adding a young or teen driver to their parent’s policy. 

Cheapest Car Insurance for Young Drivers with Speeding Tickets

With a speeding violation in their driver history, younger drivers in Indiana should look to Erie for cheap auto insurance.

Erie’s annual rate of $3,520 per year or $293 per month is 30% cheaper than the average $4,989 rate for full coverage in Indiana.

InsurerAnnual CostMonthly Cost
Erie Insurance$3,520$293
State Farm$3,961$330
USAA$4,035$336
Indiana average$4,989$415

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Cheapest Car Insurance for Young Drivers with an At-Fault Accident

The cheapest auto insurance coverage for younger drivers with one at-fault accident in Indiana is Erie, which provided our agents a $318 monthly rate for full coverage or 33% less expensive than the state average. 

The next cheapest insurance option is State Farm, with a $373 monthly rate or 21% less expensive than the average at-fault accident rate for younger people. 

InsurerAnnual CostMonthly Cost
Erie Insurance$3,823$318
State Farm$4,487$373
USAA$4,518$376
Indiana average$5,639$469

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Best Auto Insurance Companies in Indiana

Our licensed agent’s research found USAA and Auto-Owners are car insurance companies in Indiana offering some of the best full coverage auto insurance rates with quality customer service and sound financial strength ratings for various Indiana drivers.

Suppose you want to find the best car insurance company with customer service and claims handling. In that case, USAA is the best option where 78% of customers are satisfied with a recent claim, according to ValuePenguin’s recent survey.  

Company% respondents satisfied with recent claim% respondents rated customer service as excellent
USAA78%62%
Auto-Owners76%53%
State Farm73%46%
Allstate72%47%
Progressive74%34%
GEICO64%42%
Travelers19%33%

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We used the National Association of Insurance Commissioners (NAIC) complaint index to find the best auto insurer in an alternative approach.

The car insurance company with the lowest complaint index ratio in Indiana is Auto-Owners Insurance with 0.42, with 1.00 being the national average. American Family’s ratio is 0.44, well below the national average, and GEICO’s is 0.57.

Auto-Owners has 890 out of 1,000 ratings with J.D. Power’s claims satisfaction survey. Still, they have an “A++” financial strength ratings with A.M. Best, while American Family has an “A” financial strength ratings and an 862 J.D. Power claims satisfaction ratings.

If you are shopping for the cheapest car insurance in Indiana with quality coverage and excellent customer service, we recommend either Auto-Owners Insurance, USAA, or American Family

InsurerNAIC Complaint Index J.D. Power claims satisfaction score AM Best Financial Strength Rating
Auto-Owners0.42890A++
American Family0.44862A
GEICO0.57871A++
State Farm0.66881A++
Allstate0.71876A+
Progressive0.90856A+
USAA0.96890A++
Erie1.10880A+

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*NAIC complaint ratio index, the lower the number, the better. Auto-Owners has an index of 0.42 complaints based on market share, while American Family’s is 0.44. Both car insurers are well below the national average of 1.00.

Average Car Insurance Cost by City in Indiana

AutoInsureSavings.org licensed agents surveyed multiple insurance companies across Indiana cities and found the average cost of Indiana car insurance is $1,592 per year.

Your zip code in Indiana is a significant factor that can influence your car insurance rates, along with your credit score, driver profile, marital status, type of motor vehicle, and coverage levels.

Cheapest Auto Insurance in Indianapolis, IN

AutoInsureSavings.org licensed agents found Erie is the cheapest car insurance company for drivers in Indianapolis. They provided us a $1,235 per year rate for full coverage, 29% less expensive than Indianapolis’ yearly average rate of $1,732.

Indianapolis CompanyAverage Premium
Erie Insurance$1,235
Travelers$1,418
Auto-Owners$1,476
Indianapolis average$1,732

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Cheapest Auto Insurance in Fort Wayne, IN

Fort Wayne drivers can find the cheapest full coverage insurance policy with State Farm, which provided our agents a $1,189 per year rate for our sample 30-year-old. State Farm’s insurance quote is 33% cheaper than average car insurance rates for similar driver profiles in Fort Wayne, IN. 

Fort Wayne CompanyAverage Premium
State Farm$1,189
Travelers$1,360
Erie$1,381
Fort Wayne average$1,753

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Cheapest Auto Insurance in Evansville, IN

Drivers in Evansville can find cheap auto insurance policies with State Farm, which provided us a $1,154 per year rate for our sample 30-year-old driver with full coverage. State Farm’s quote is 32% cheaper than Evansville’s $1,720 average rates.

Evansville CompanyAverage Premium
State Farm$1,154
Auto-Owners$1,268
GEICO$1,417
Evansville average$1,720

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Cheapest Auto Insurance in South Bend, IN

South Bend residents looking for the best auto insurance policies should get quotes from Erie, which provided our insurance agents a $1,128 per year rate for a 30-year-old driver with $100,000 in liability insurance and a $500 deductible for collision and comprehensive.

Erie’s car insurance quote is $588 less per year than South Bend’s average annual rate of $1,716.

South Bend CompanyAverage Premium
Erie Insurance$1,128
Auto-Owners$1,235
GEICO$1,492
South Bend average$1,716

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Cheapest Auto Insurance in Fishers, IN

Our agents found the cheapest auto insurance in Fishers, IN, with Auto-Owners, with a $1,045 per year rate for a full coverage policy with $500 deductibles for comprehensive and collision insurance. Auto-Owners’ quote is 38% less expensive than Fishers’ $1,664 average rates. 

Fishers CompanyAverage Premium
Auto-Owners$1,045
Travelers$1,219
USAA$1,264
Fishers average$1,664

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Cheapest Auto Insurance in Gary, IN

Gary drivers can find the cheapest car insurance with Erie, which provided our agents a $1,159 per year rate with $100,000 in liability insurance and $500 deductibles for collision and comprehensive insurance. Erie’s $95 monthly rate is 35% less expensive than Gary’s $1,763 average rates. 

Gary CompanyAverage Premium
Erie Insurance$1,150
Travelers$1,328
State Farm$1,462
Gary average$1,763

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Average Car Insurance Cost for All Cities in Indiana

CityAnnual insurance costCityAnnual insurance cost
Indianapolis$1,732Anderson$1,637
Fort Wayne$1,753Elkhart$1,643
Evansville$1,720Mishawaka$1,661
South Bend$1,716Lawrence$1,654
Carmel$1,648West Lafayette$1,672
Fishers$1,664Columbus$1,512
Bloomington$1,680Jeffersonville$1,654
Hammond$1,712Westfield$1,700
Gary$1,763Portage$1,726
Lafayette$1,643New Albany$1,600
Muncie$1,659Richmond$1,618
Noblesville$1,589Merrillville$1,476
Terre Haute$1,439Goshen$1,498
Kokomo$1,624Valparaiso$1,505
Greenwood$1,590Plainfield$1,417
Michigan City$1,602South Whitley$1,565
Granger$1,546Rossville$1,523
Crown Point$1,593Bristol$1,582
Schererville$1,476Brookston$1,740
East Chicago$1,490Bass Lake$1,621
Hobart$1,616Haubstadt$1,599
Marion$1,565New Paris$1,439
Zionsville$1,505Hamilton$1,476
Brownsburg$1,417Redkey$1,484
Franklin$1,622Dale$1,636
Munster$1,712Nashville$1,647
Highland$1,523Cannelton$1,505
Greenfield$1,582New Pekin$1,417
La Porte$1,632Koontz Lake$1,609
Clarksville$1,476Markle$1,649
Seymour$1,652Brooklyn$1,632
Shelbyville$1,599Farmland$1,484
Logansport$1,660Owensville$1,565
Avon$1,439Shelburn$1,476
St. John$1,655Odon$1,523
Vincennes$1,677Palmyra$1,609
New Castle$1,505Rome City$1,658
Huntington$1,417Lake Holiday$1,676
New Haven$1,476Fairview Park$1,582
Griffith$1,484Mulberry$1,622
Crawfordsville$1,523Parker City$1,505
Dyer$1,690Geneva$1,439
Lebanon$1,565Remington$1,417
Jasper$1,632Grabill$1,484
Frankfort$1,693Sweetser$1,476
Warsaw$1,622Jonesboro$1,599
Beech Grove$1,505Ladoga$1,523
Chesterton$1,439Morristown$1,609
Bedford$1,417Cayuga$1,695
Connersville$1,476Borden$1,484
Auburn$1,582Warren$1,641
Cedar Lake$1,609Mentone$1,658
Washington$1,679Wanatah$1,417
Speedway$1,523Thorntown$1,565
Lake Station$1,676Westport$1,476
Madison$1,641Monroeville$1,677
Martinsville$1,476Galveston$1,505
Peru$1,622Kingsford Heights$1,681
Greensburg$1,565Worthington$1,685
Yorktown$1,625Patoka$1,439
Greencastle$1,599Akron$1,476
Wabash$1,476Oxford$1,609
Plymouth$1,484Sunman$1,658
Danville$1,685Farmersburg$1,670
Bluffton$1,505Converse$1,523
Decatur$1,677Ogden Dunes$1,582
Mooresville$1,681North Webster$1,625
Lowell$1,484Lynn$1,688
Kendallville$1,641Trafalgar$1,505
Columbia City$1,439Morocco$1,681
Sellersburg$1,417Long Beach$1,622
Princeton$1,688Waynetown$1,677
Angola$1,582Culver$1,476
Elwood$1,609Greenville$1,484
Brazil$1,417Clayton$1,565
Whitestown$1,523Walton$1,599
Charlestown$1,505Wolcott$1,685
Tell City$1,670Oolitic$1,476
Bargersville$1,565Russiaville$1,484
Nappanee$1,658Morgantown$1,677
McCordsville$1,622Winslow$1,439
Lakes of the Four Seasons$1,625St. Paul$1,505
Huntertown$1,670Brook$1,609
North Vernon$1,565Goodland$1,582
Scottsburg$1,599Carthage$1,523
Dunlap$1,681Grandview$1,622
Garrett$1,565Ashley$1,625
Batesville$1,582La Fontaine$1,484
Notre Dame$1,677Andrews$1,688
Ellettsville$1,476Jamestown$1,685
Mount Vernon$1,439Taylorsville$1,417
Huntingburg$1,505Mexico$1,641
Rensselaer$1,670Wolcottville$1,688
Boonville$1,417Atlanta$1,681
Salem$1,609Otterbein$1,476
New Whiteland$1,484Shirley$1,688
Rushville$1,677Hoagland$1,505
Rochester$1,641Silver Lake$1,599
Portland$1,599Summitville$1,565
Westville$1,625Swayzee$1,658
Hartford City$1,670Shipshewana$1,582
Bright$1,476Monroe$1,439
Gas City$1,505Lynnville$1,484
Cumberland$1,523Topeka$1,476
North Manchester$1,622Wheatfield$1,609
Winfield$1,685Kirklin$1,417
Hidden Valley$1,565Francesville$1,625
Simonton LakePoseyville$1,677
Monticello$1,417Memphis$1,505
Linton$1,476Selma$1,681
South Haven$1,599Van Buren$1,688
Alexandria$1,565Montezuma$1,670
Lawrenceburg$1,609Dugger$1,484
Tipton$1,439Pierceton$1,476
Winona Lake$1,505Gaston$1,658
Cicero$1,582St. Leon$1,523
Porter$1,641St. Mary of the Woods$1,685
Whiting$1,595Seelyville$1,417
Edinburgh$1,476Lake Santee$1,505
Winchester$1,417Darlington$1,685
Clinton$1,688Clay City$1,677
Ligonier$1,681Lakeville$1,565
Highland $1,484Harmony$1,476
Fortville$1,625Rosedale$1,609
Bremen$1,417Milltown$1,597
Whiteland$1,658Hatfield$1,439
North Terre Haute$1,685Gosport$1,582
Greendale$1,505Royal Center$1,622
Mitchell$1,565Spiceland$1,417
Pendleton$1,439Millersburg$1,641
Berne$1,476Avoca$1,677
Sullivan$1,523Montgomery$1,484
De Motte$1,658Freelandville$1,670
Aurora$1,598Tecumseh$1,505
Roselawn$1,565Laurel$1,476
Leo-Cedarville$1,609Dublin$1,523
Melody Hill$1,417Colfax$1,641
Upland$1,476Sharpsville$1,625
Austin$1,582Roachdale$1,681
Hebron$1,505Hymera$1,439
Paoli$1,688Leesburg$1,417
Middlebury$1,484Lake Village$1,565
Knox$1,641Clarks Hill$1,658
Hanover$1,677Chrisney$1,476
Smithville-Sanders$1,685Fountain City$1,622
Pittsboro$1,417Windfall City$1,688
Chandler$1,681Boswell$1,609
Ossian$1,599Elberfeld$1,582
Union City$1,565Shoals$1,670
Georgetown$1,677Bainbridge$1,417
Newburgh$1,523Pennville$1,505
Attica$1,439New Washington$1,688
Corydon$1,670New Harmony$1,484
Fort Branch$1,476Town of Pines$1,658
Bicknell$1,641Zanesville$1,677
Sheridan$1,505Monroe City$1,417
Delphi$1,484English$1,625
Brownstown$1,582Knightsville$1,476
Syracuse$1,609Medaryville$1,685
Shorewood Forest$1,622Buffalo$1,417
Country Squire Lakes$1,658Linden$1,439
Lagrange$1,641Harrodsburg$1,565
Heritage Lake$1,685Van Bibber Lake$1,599
Fairmount$1,476Holland$1,677
Butler$1,681West Lebanon$1,523
Osceola$1,417Carlisle$1,505
Santa Claus$1,688St. Meinrad$1,582
Winamac$1,505Marengo$1,476
Centerville$1,565Waldron$1,484
Oakland City$1,688Elnora$1,658
Loogootee$1,417Francisco$1,565
Middletown$1,599Utica$1,670
Brookville$1,625Matthews$1,609
Avilla$1,641Medora$1,685
Rockville$1,439Lanesville$1,681
Albion$1,626Oaktown$1,565
Hope$1,476Fairland$1,677
Chesterfield$1,582Cynthiana$1,670
Bloomfield$1,645New Market$1,658
Grissom AFB$1,484Michigantown$1,565
Covington$1,505New Salisbury$1,476
Rockport$1,629Hayden$1,523
Petersburg$1,609Dana$1,417
New Palestine$1,565Etna Green$1,484
Lapel$1,643Camden$1,688
Spencer$1,417Fillmore$1,439
Fowler$1,685Hamlet$1,505
Fremont$1,476Kimmell$1,625
Knightstown$1,681Lizton$1,599
Waterloo$1,658West College Corner$1,582
Ingalls$1,439Paragon$1,476
Greentown$1,648Orestes$1,609
West Terre Haute$1,670La Paz$1,484
Walkerton$1,505Hudson$1,681
Salt Creek Commons$1,529Coatesville$1,565
Edgewood$1,677La Crosse$1,628
Rising Sun$1,417Collegeville$1,505
Albany$1,681Ridgeville$1,476
Veedersburg$1,484Kennard$1,582
Frankton$1,625Elizabethtown$1,677
North Judson$1,476Parkers Settlement$1,658
Ferdinand$1,582Claypool$1,417
Milan$1,599Painted Hills$1,439
Orleans$1,599Birdseye$1,649
Williamsport$1,505Burlington$1,476
Bourbon$1,565Patriot$1,604
Dunkirk$1,582Hillsboro$1,505
Versailles$1,609Waveland$1,670
Kouts$1,528Kewanna$1,484
Flora$1,417Beverly Shores$1,685
Burns Harbor$1,476Bunker Hill$1,565
Jasonville$1,622Milroy$1,670
Wakarusa$1,604West Baden Springs$1,658
Hagerstown$1,484Reynolds$1,417
Trail Creek$1,439Mount Summit$1,609
New Carlisle$1,622Holton$1,476
Shadeland$1,505Perrysville$1,582
Osgood$1,644Amo$1,604
Southport$1,565Owensburg$1,658
Henryville$1,680St. Joe$1,505
Eaton$1,582Cromwell$1,681
Battle Ground$1,417Wheatland$1,625
French Lick$1,476Roseland$1,677
Churubusco$1,677West Point$1,525
Monon$1,679Advance$1,484
Lake Dalecarlia$1,658Oldenburg$1,417
Argos$1,505Spring Grove$1,439
Cloverdale$1,604Fontanet$1,565
Crothersville$1,646New Ross$1,476
Galena$1,609Laketon$1,505
Tri-Lakes$1,417Lagro$1,582
Milford$1,439Chalmers$1,658
Cambridge City$1,523Denver$1,611
Montpelier$1,582Stockwell$1,647
Kentland$1,565New Goshen$1,680
Vevay$1,484Kingman$1,505
Woodburn$1,476Greens Fork$1,625
Liberty$1,692Orland$1,565
Roanoke$1,626Lewisville$1,641
Prince's Lakes$1,505North Salem$1,417
Daleville$1,514Somerset$1,648
Hudson Lake$1,604Wilkinson$1,484
New Chicago$1,727Burnettsville$1,613
Harlan$1,417Hartsville$1,511
Monrovia$1,565Carbon$1,439
Fish Lake$1,632Manilla$1,476
Aberdeen$1,590Amboy$1,505
Arcadia$1,509Clear Lake$1,547
Dayton$1,478Richland$1,484
Dillsboro$1,439Idaville$1,419

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Indiana Minimum Auto Insurance Requirements

Drivers in Indiana for vehicle registration must have bodily injury and property damage liability coverage, including uninsured motorist coverage, to be legal and compliant with state law. If you buy an auto insurance policy, below are the minimum coverage limits you must have.

Liability insuranceMinimum coverage
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured motorist bodily injury$25,000 per person / $50,000 per accident

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Buying a minimum coverage policy is the most affordable and cheapest insurance option; however, if you are involved in an auto accident, a state minimum insurance policy will not cover property damage to your car.

AutoInsureSavings licensed agents to recommend policyholders in The Hoosier State increase liability limits with uninsured motorist coverage when buying insurance products for additional financial and asset protection.  

Frequently Asked Questions

Who has the Cheapest Car Insurance in Indiana?

Erie offers the most affordable car insurance rates for those wanting minimum coverage in Indiana, with an annual rate of $316 or $26 per month for 30-year-olds with a good driving record. Erie’s rate is 46% less expensive than the state average of $581. USAA offers state minimum coverage at $290 per year or $24 per month for those who qualify.

How Much is Car Insurance in Indiana per Month?

The average cost of car insurance in Indiana is $48 per month for those who want minimum coverage and $132 per month for people with a clean driving record needing full coverage policies. Insurance companies that offer rates less than that per month include Erie, Travelers, and Auto-Owners.

How Much Is Full Coverage Car Insurance in Indiana?

The average cost of full coverage Indiana car insurance is $1,592 per year or $132 per month, including uninsured motorist coverage. The following insurance companies offer cheaper rates than the state’s average: Erie at $1,064, Travelers at $1,237, and Auto-Owners at $1,318 per year for a 30-year-old driver.

How do I Save on Car Insurance in Indiana?

It is best to compare auto insurance quotes with the same coverage level in Indiana from several top insurance companies to find the most affordable rates. Asking your agent or insurance company about money-saving discounts or usage-based insurance can help you lower your overall insurance costs, such as a safe driver or multi-policy discounts from life, rental, or home insurance policies. Keeping an eye on your credit report and maintaining safe driving habits can help you save money on your Indiana auto insurance.

To learn more about the most affordable car insurance options in Indiana, enter your zip code in our quote comparison tool or get expert advice at AutoInsureSavings.org. Our licensed insurance professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org comparison shopping study used a full-coverage auto policy with a clean driving record for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily injury liability $50,000 per person/$100,000 per accident
Property damage liability$25,000 per accident
Personal injury protection$10,000
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision coverage$500 deductible

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We used rates for drivers with an accident history, credit score, and marital status for other Indiana rate analyses. We used car insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your rates may vary when you get quotes.

Sources

– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– National Highway Traffic Safety Administration. “Traffic Safety Facts.”
– Indiana Department of Insurance. “Auto Insurance.”
– Indiana Department of Revenue. “Insurance Companies Known to Provide Motor Carrier Coverage.”
– Indiana University Public Policy Institute. “Indiana Traffic Safety Facts.”