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.
- 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 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 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.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in 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 up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property 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
The following table lists Indiana’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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 insurance providers for liability-only coverage in Indiana
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Indiana, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $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
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.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Indiana, drivers with a history of traffic violation pay an average of $662 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
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.
Cheap car insurance rates after a DUI conviction in Indiana
CarInsurance.com analyzed insurance rates for Indiana drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,334. Geico is the second-cheapest insurer at an average of $1,683 per year.
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 companies in Indiana after an at-fault accident
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.
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
Cities with the lowest auto insurance rates in Indiana
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.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
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 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 |
Final thoughts 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.
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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