The cheapest full coverage car insurance in Indiana is $82 , saving you $44 compared to the average cost of insurance in the state, which is around $126 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Indiana, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
- 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.
Which company offers the cheapest car insurance in Indiana?
Geico has the cheapest full coverage car insurance in Indiana, at an average premium of $82 per month or around $986 per year, based on CarInsurance.com data.
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.
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Who pays the lowest auto insurance premiums in Indiana?
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 11% less than single drivers.
- Indiana drivers with clean records pay 38% less than drivers who have a DUI on their record.
- 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 insurers for different coverage levels in Indiana
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
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 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 full coverage car insurance in Indiana
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from 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
Cheapest auto insurance in Indiana by driving history
Your driving history impacts insurance premiums in Indiana, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
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 in Indiana after a speeding ticket
A speeding ticket can impact your Indiana car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,159 a 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.
Cheap car insurance rates after a DUI conviction in Indiana
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.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 38% less than drivers with a DUI on their record.
| 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 rates after an at-fault accident in Indiana
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, 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 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| 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 Cities with the lowest auto insurance rates in Indiana
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.
Blue Creek is the city with the lowest premiums in Indiana at an annual auto insurance rate of $1,349 .
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?
If you compare car insurance quotes, you could enjoy an annual saving of around 35% on a full coverage policy in Indiana.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Indiana: Save on premiums
Indiana drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Indiana.
| 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.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Indiana, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
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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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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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 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