You can find the cheapest full-coverage car insurance in Indiana for $82 a month from Geico. It saves you $44 compared to the state average car insurance cost of $126 monthly.
Shopping for car insurance in Indiana can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in Indiana should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Among the companies analyzed by CarInsurance.com, Geico stands out as the cheapest option for full coverage car insurance in Indiana, with an insurance premium of $82 per month.
- Drivers in Indiana with a clean record pay 38% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Indiana is Blue Creek, with an annual premium of $1,349 .
- Indiana drivers can save up to 35% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance in Indiana?
Geico offers the cheapest car insurance rates in Indiana for a full coverage policy with an average premium of $82 per month or around $986 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Indiana.
Cheapest car insurance rates in Indiana per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Geico | $82 |
| Auto-Owners | $99 |
| Travelers | $105 |
| Nationwide | $109 |
| Progressive | $123 |
| Indiana Farmers | $134 |
| State Farm | $135 |
| Farmers | $163 |
| Indiana Farm Bureau Grp | $179 |
| Allstate | $194 |
| USAA* | $65 |
Note: USAA is only available to military community members and their families.
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Who pays the lowest auto insurance premiums in Indiana?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 11% less than single drivers.
- Indiana drivers with clean records pay 38% less than drivers who have a DUI on their records.
- Indiana drivers in their 20s pay 58% lower rates for insurance than a 16-year-old in Indiana.
- Adding a teen to your policy will cost you 70% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 28% less on their insurance premiums.
- Drivers insured for three or more years can save up to 15% on their insurance costs.
Cheapest companies for different coverage levels in Indiana
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Auto-Owners is the cheapest for a state minimum policy.
- Auto-Owners has the cheapest rates for a liability-only policy (50/100/50).
- Geico offers the cheapest car insurance for a full coverage policy (100/300/100) in Indiana.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Indiana
In Indiana, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Indiana, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| Auto-Owners | $248 |
| Geico | $249 |
| Indiana Farmers | $353 |
| Travelers | $361 |
| State Farm | $365 |
| Progressive | $398 |
| Indiana Farm Bureau Grp | $485 |
| Nationwide | $549 |
| Allstate | $676 |
| Farmers | $704 |
| USAA* | $199 |
Note: USAA is only available to military community members and their families.
Cheapest Indiana insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Indiana, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Auto-Owners | $306 |
| Geico | $313 |
| Indiana Farmers | $430 |
| Travelers | $431 |
| State Farm | $442 |
| Progressive | $455 |
| Indiana Farm Bureau Grp | $573 |
| Nationwide | $576 |
| Allstate | $784 |
| Farmers | $938 |
| USAA* | $231 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in Indiana
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Indiana, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full Coverage Annual Rates |
|---|---|
| Geico | $986 |
| Auto-Owners | $1,188 |
| Travelers | $1,264 |
| Nationwide | $1,309 |
| Progressive | $1,480 |
| Indiana Farmers | $1,604 |
| State Farm | $1,616 |
| Farmers | $1,956 |
| Indiana Farm Bureau Grp | $2,153 |
| Allstate | $2,324 |
| USAA* | $783 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Indiana by driving history
In Indiana, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $662 more annually in Indiana than an individual with a clean driving record.
Cheap car insurance rates after a speeding ticket in Indiana
If you have a speeding ticket on your Indiana driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,159 per year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,071 | $1,159 | 8% | $88 |
| Geico | $707 | $1,623 | 129% | $915 |
| American Family | $1,251 | $1,706 | 36% | $456 |
| Travelers | $1,165 | $1,724 | 48% | $559 |
| Nationwide | $1,104 | $1,737 | 57% | $633 |
| Auto-Owners | $1,327 | $1,911 | 44% | $584 |
| Farmers | $1,549 | $2,056 | 33% | $507 |
| Progressive | $1,641 | $2,642 | 61% | $1,001 |
| Allstate | $2,190 | $2,879 | 31% | $689 |
| USAA* | $810 | $1,015 | 25% | $205 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Indiana after a DUI conviction
State Farm offers the cheapest car insurance to Indiana drivers with a DUI conviction at $1,334 per year and Geico has the second-cheapest insurance premiums at $1,683 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 38% less than those with a history of DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,071 | $1,334 | 25% | $264 |
| Geico | $707 | $1,683 | 138% | $975 |
| American Family | $1,251 | $1,706 | 36% | $456 |
| Travelers | $1,165 | $1,803 | 55% | $637 |
| Progressive | $1,641 | $2,125 | 29% | $484 |
| Farmers | $1,549 | $2,274 | 47% | $724 |
| Nationwide | $1,104 | $2,309 | 109% | $1,204 |
| Allstate | $2,190 | $2,891 | 32% | $701 |
| Auto-Owners | $1,327 | $3,263 | 146% | $1,936 |
| USAA* | $810 | $1,256 | 55% | $446 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Indiana after an at-fault accident
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,455 .
Geico is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,609 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,071 | $1,455 | 36% | $385 |
| Geico | $707 | $1,609 | 127% | $901 |
| Travelers | $1,165 | $1,677 | 44% | $512 |
| Auto-Owners | $1,327 | $1,704 | 28% | $377 |
| Nationwide | $1,104 | $1,799 | 63% | $695 |
| Farmers | $1,549 | $2,327 | 50% | $778 |
| Progressive | $1,641 | $3,302 | 101% | $1,660 |
| Allstate | $2,190 | $3,676 | 68% | $1,486 |
| USAA* | $810 | $1,221 | 51% | $411 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Indiana cities with the lowest auto insurance rates
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Indiana, Blue Creek stands out as the city with the lowest auto insurance rates, at an average of $1,349 per year.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
The table below shows a list of cities in Indiana with the most affordable car insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Blue Creek | $1,349 |
| Decatur | $1,354 |
| Lafayette | $1,363 |
| Bluffton | $1,363 |
| Craigville | $1,366 |
| Poneto | $1,367 |
| West Lafayette | $1,371 |
| Spiceland | $1,372 |
| Uniondale | $1,372 |
| Bryant | $1,373 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in Indiana?
Shopping around for car insurance quotes in Indiana can help drivers save 35% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Indiana: Save on premiums
In Indiana, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Indiana below.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 1% | $12 |
| Anti-theft device | 1% | $23 |
| Daily commute | 8% | $130 |
| Days advanced purchase | 7% | $114 |
| Education | 8% | $103 |
| Electronic funds transfer | 4% | $67 |
| Electronic signature | 10% | $153 |
| Homeowner | 5% | $78 |
| Lower annual mileage | 4% | $54 |
| Loyalty – years renewal with company | 7% | $105 |
| Marital status | 11% | $194 |
| Multi policy | 9% | $143 |
| Paperless/electornic documents | 5% | $89 |
| Payment type | 9% | $164 |
| Primary use | 8% | $131 |
| Profession | 13% | $193 |
| Safety devices | 3% | $71 |
| Telematics | 11% | $176 |
| Years insured | 14% | $299 |
| Years licensed | 27% | $803 |
The bottom line on cheap car insurance in Indiana
Our research shows that Geico has the cheapest full coverage car insurance rates in Indiana for individuals with a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Indiana, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Indiana for three different coverage levels:
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Indiana