The Complete Guide to Car Insurance in Indiana
Auto-Owners has the best insurance rates in Indiana, well below the statewide average of $108.
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Written byChristy Rakoczy
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Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and Insurify, and she’s been writing for Compare.com since 2024.
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Edited byMatthew Gross
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Table of contents
Indiana typically has affordable car insurance, with statewide rates averaging $142 per month for full-coverage auto insurance. That’s compared with $197 per month nationwide, according to Compare.com data.
Indiana’s car accident fatality rate is below the national average, and the state also has low car theft rates. Both factors help keep premiums reasonably priced.
But that doesn’t mean all car insurance policies are affordable. It’s important to compare price, customer service, and coverage to find Indiana’s most affordable car insurance. We’ll show you how in this guide.
Quick Facts
Auto-Owners charges Indiana’s lowest average car insurance premiums, at just $30 per month.
State Farm, Auto-Owners, and GEICO are three of the best insurers for many Indiana drivers.
Indiana requires $25,000 per person and $50,000 per accident of bodily injury liability coverage.
Average Car Insurance Quotes in Indiana
When buying auto insurance, your insurer bases your rate on many factors, including your driving record, where you live, your credit, and your age. The table below shows the average rates for different types of drivers in Indiana, according to our data.
Driver/Coverage Type ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| All Indiana drivers | $108 |
| State-minimum coverage | $74 |
| Full coverage | $142 |
| Teens | $200 |
| Seniors | $82 |
| Clean driving record | $108 |
| Recent ticket | $155 |
| Recent at-fault accident | $155 |
| DUI conviction | $176 |
| Poor credit | $120 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
While Indiana’s overall average rate of $108 per month is below the national average, some drivers pay much more. For example, drivers with a DUI pay an average of $176 per month, while people with an accident history pay an average of $155.
While everyone can shop around for cheap car insurance, comparing prices is even more important if you have a history of bad driving habits.
Indiana Auto Insurance Requirements
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Like most U.S. states, Indiana requires you to buy car insurance if you own a vehicle. Here are the minimum requirements according to the Indiana Bureau of Motor Vehicles:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident
You also must buy uninsured and underinsured motorist coverage unless you decline in writing. You need to meet the following minimum-coverage requirements, according to the Indiana Department of Insurance.
Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Uninsured motorist property damage: $25,000 per accident
Underinsured motorist bodily injury: $50,000 per accident
Are Indiana’s minimum requirements enough?
Buying minimal insurance won’t fully protect your assets, so most experts suggest getting extra coverage. For example, you may want higher policy limits for bodily injury and property damage liability.
You may also want to add optional coverages. For example, collision and comprehensive insurance can pay for your losses after a crash or if someone steals your car. If you finance your vehicle, your lender may require these coverages.
The Cheapest Car Insurance Companies in Indiana
Looking at average rates gives you an idea of how much insurance costs, but you can often find ways to pay less. Some companies charge lower rates, while others may offer discounts for good habits, like taking driving courses.
The table below shows the five cheapest car insurance companies in Indiana, according to Compare.com data.
Average Liability Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Auto-Owners is the cheapest Indiana insurance company, with average monthly premiums of $30.
That said, prices can vary depending on your circumstances. One insurer may be cheaper if you want liability-only coverage or live in a specific city.
Indiana’s Cheapest Insurers by Driver and Coverage Type
Your auto insurance company bases your rate on factors like ZIP code, age, driving record, and credit history. Below, you’ll find some of the cheapest auto insurance policies for different kinds of drivers, according to Compare.com data.
Driver/Coverage Type ▲▼ | Cheapest Insurer ▲▼ | Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|
| State-minimum coverage | Auto-Owners | $30 |
| Full coverage | Auto-Owners | $57 |
| Teens | Auto-Owners | $53 |
| Seniors | Auto-Owners | $23 |
| Drivers with a speeding ticket | Auto-Owners | $40 |
| Drivers with an at-fault accident | Auto-Owners | $41 |
| Drivers with a DUI | Auto-Owners | $49 |
| Drivers with excellent credit | Auto-Owners | $25 |
| Drivers with poor credit | USAA | $39 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
These companies offer some of the least expensive insurance in Indiana, but you should compare quotes from multiple companies to find the cheapest insurer that fits your needs. It’s easy to compare prices using insurance comparison sites to get the best rates.
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The Cheapest Indiana Insurers by City
Different areas have different risks, so location matters when you buy car insurance. For example, an insurance company may charge more in an area with more accidents or theft, or less if you live in a less busy rural area.
The table below shows which insurance company has the lowest average rates in some of Indiana’s biggest cities.
City ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Indianapolis | $128 | Auto-Owners | $36 |
| Fort Wayne | $111 | Auto-Owners | $31 |
| Evansville | $111 | Auto-Owners | $31 |
| South Bend | $102 | Auto-Owners | $28 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Rates vary quite a bit from one city to the next. For example, Auto-Owners offers the cheapest insurance in Indianapolis, with average monthly rates of $128, according to our data. But a different insurer may be cheaper where you live, so get multiple quotes to compare premiums and coverage before you buy insurance.
Our Picks for the Best Auto Insurance in Indiana
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Some insurers suit specific drivers better than others, depending on your situation. But most people want the cheapest policy with the best service.
We’ve chosen the following companies as Indiana’s best auto insurers based on their average rates, coverage options, discounts, and customer satisfaction ratings.
#1 State Farm
Pros
Low average premiums
Many local agents in Indiana
Above-average J.D. Power rating
Cons
Gap insurance not available
Above-average number of NAIC customer complaints
Not available in all states
State Farm offers some of the lowest premiums in Indiana. It also offers many ways to save on your insurance policy — including defensive driving discounts, anti-theft discounts, and savings for students away at school.
State Farm has local insurance agents in more than 150 cities in Indiana. The company also has a solid reputation for customer service, earning above-average ratings in the J.D. Power 2024 U.S. Auto Insurance Study for the Central region.
#2 Auto-Owners
Pros
Low average premiums
Above-average J.D. Power ratings
Gap insurance available
Cons
Quotes not available online
Low Trustpilot ratings
No telematics programs
Auto-Owners has some of the lowest average premiums in Indiana, according to our research. It also received above-average ratings in the J.D. Power 2024 U.S. Auto Insurance Study. The company doesn’t sell policies online, only through local agents. But Auto-Owners has over a dozen agents in Indianapolis alone, so finding support should be easy.
The company also offers discounts beyond its already low rates, including multi-policy discounts and discounts for on-time payments. Auto-Owners doesn’t have a telematics program for most drivers, but teens and their parents can take advantage of the Teen Driver Monitoring discount.
#3 GEICO
Pros
Affordable average premiums
Many available discounts
A+ Better Business Bureau rating
Cons
Below-average J.D. Power ratings
Few local agents
Above-average number of NAIC customer complaints
GEICO has affordable rates and many types of coverage — including auto, boat, and motorcycle policies. Although it has mixed customer ratings, GEICO has an A+ rating with the Better Business Bureau. It has some local agents to offer support, but not as many as its competitors.
GEICO provides more savings opportunities than many other Indiana insurance companies. In addition to its telematics program, DriveEasy, GEICO offers defensive driving discounts, multi-policy discounts, and accident-free discounts.
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Indiana Car Insurance Discounts
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Discounts can save you some serious money on your auto insurance coverage. They’re a great way to reduce your premiums, so check with each insurance company for eligible discounts.
Indiana doesn’t require insurance companies to offer specific car insurance discounts, but many insurers offer savings for things like:
Safe driving: Several Indiana insurers offer good driving discounts to people who have a clean driving record. The discount can vary by insurer, but it typically means no accidents or tickets in a specific amount of time — usually the last three to five years.
Good student: You can often find sizeable discounts with a B average or better in school.
Safety features: If your car has advanced features like blind-spot monitoring, lane avoidance, or automatic braking, you might be eligible for a discount.
Multi-policy: You can usually save a substantial amount on your premiums by bundling insurance multiple insurance policies, including auto, home, renters, and more.
Still, discounts are just one of the ways you can pay less for car insurance. We’ll go over a few more tried-and-true money-saving strategies in the next section.
Other Ways to Get Cheaper Car Insurance in Indiana
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While discounts can lower your costs, other ways you can save include:
Driving safely: A clean driving record can mean paying less because insurers don’t consider you high risk.
Choosing a higher deductible: Policies with higher deductibles have lower premiums. But be careful because you’ll pay more out of pocket if you’re in an accident.
Buying a safe car: Cars with low accident rates tend to cost less to insure. Before purchasing a vehicle, compare quotes for different makes and models to find a rate you can afford.
Shopping around: Getting multiple quotes helps you find the cheapest coverage.
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Indiana Auto Insurance FAQs
If you’re in the market for a new auto insurance policy in Indiana, check out the following answers to some commonly asked questions.
What’s the cheapest car insurance in Indiana?
Auto-Owners offers the cheapest car insurance in Indiana. Drivers pay an average of $30 per month, according to Compare.com data.
How much is car insurance in Indiana per month?
You’ll pay an average of $108 per month for car insurance in Indiana. That said, the price can change based on the coverage you want.
Liability-only insurance policies cost an average of $74 per month, while full-coverage policy premiums average $142 per month, according to Compare.com data.
What’s the minimum required car insurance in Indiana?
Indiana drivers must have a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage. They also need $25,000 in property damage liability protection. Unless drivers decline in writing, they must also have uninsured/underinsured motorist coverage.
Sources
National Highway Traffic Safety Administration, “Early Estimate of Motor Vehicle Traffic Fatalities for the First Half (January–June) of 2024,” accessed January 15, 2025.
Insurance Information Institute, “Facts + Statistics: Auto theft,” accessed January 15, 2025.
Indiana Bureau of Motor Vehicles, “Proof of Financial Responsibility,” accessed January 15, 2025.
J.D. Power, “2024 U.S. Auto Insurance Study,” accessed January 15, 2025.
National Association of Insurance Commissioners, “Results by Complaint Index,” accessed January 15, 2025.
Trustpilot, “Auto-Owners Reviews,” accessed January 15, 2025.
Better Business Bureau, “Geico,” accessed January 15, 2025.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Car insurance in Indiana
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Christy RakoczyInsurance Writer
Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and Insurify, and she’s been writing for Compare.com since 2024.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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