- According to recent data, GEICO offers the cheapest full coverage car insurance in Indiana at $82 per month.
- Indiana drivers with a clean driving record pay 38% less for car insurance than drivers with a DUI.
- In Indiana, the city of Blue Creek has the most affordable car insurance rates at $1,349 annually.
- Comparing price quotes from multiple insurers can help you save up to 35% per year on your car insurance policy in Indiana.
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.
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 includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Indiana by different insurance carriers for a full coverage policy.
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.
Who pays a lower insurance premium 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
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest state minimum coverage in Indiana
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Indiana, you must have at least the following insurance coverage on your car.
| 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, you’ll see average annual rates for major insurance providers in Indiana, ranked from cheapest to most expensive for 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 liability-only coverage in Indiana
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, 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 car insurance companies in Indiana for full coverage
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.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Indiana based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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
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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.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Indiana, drivers with a history of such violations typically pay $662 more annually than drivers with clean records.
Cheap car insurance in Indiana after a speeding ticket
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
Indiana drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,334 a year, followed by GEICO with an annual premium of $1,683 annually, based on recent data.
If you have a clean record, you are likely to pay 38% less for car insurance than someone with a 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
The car insurance company with the cheapest driver rates after an at-fault accident is $662, at $1,455 a year.
On the other hand, GEICO offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at 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.
Check out the most affordable insurance options in your neighboring state
Which cities in Indiana have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Indiana is Blue Creek, at $1,349 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Indiana with the lowest auto 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 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on auto 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 auto insurance in Indiana
Based on our findings, GEICO provides the cheapest rates for a full coverage policy in Indiana if you have 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:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
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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