The average cost of full coverage car insurance in Indiana is $1,215, but your rates may be higher or lower depending on a number of factors, like your age, driving history, ZIP code, and credit score.
The best way to find affordable coverage is to shop around and compare quotes before you buy. Policygenius can help you see options from top car insurance companies, so you can be sure you’re getting the coverage you need at a price you’re happy with.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Indiana
Car insurance companies all use the same information to determine your rates, but each has its own formula for coming up with prices. That’s why rates can vary from company to company, and why it’s so important to compare quotes before you buy.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $706 | 890 |
State Farm | $801 | 882 |
GEICO | $804 | 874 |
Auto-Owners Insurance | $926 | 865 |
Indiana Farmers Insurance | $1,026 | -- |
Cheapest car insurance companies by age in Indiana
Young drivers are statistically more likely to speed, text while driving, and be involved in accidents, which is why they pay more for car insurance than any other age group.
Rates typically fall over time until age 25, when young drivers are no longer in the highest-risk category.
Age | Cheapest company | Average cost |
|---|---|---|
16 | Allstate | $1,953 |
18 | USAA | $1,443 |
21 | USAA | $1,069 |
25 | USAA | $859 |
30 | USAA | $756 |
35 | USAA | $705 |
45 | USAA | $658 |
55 | USAA | $620 |
60 | USAA | $616 |
65 | USAA | $639 |
70 | USAA | $714 |
Choosing the right car insurance company in Indiana
Two different insurance companies can look at the same data and come up with two different rates, which is why the best way to find the right car insurance company for you is to compare options.
The best company is whichever one offers you the coverage you need at a price you’re comfortable with. Policygenius can help you see what you’d pay for policies from top car insurance companies so you can pick the best option for you.
Car insurance rates for drivers with driving violations in Indiana
Even a few violations can increase your rate, but too many violations or accidents may make it difficult to find affordable insurance at all. Serious violations, such as a DUI, will have the biggest impacts on your rates.
Violation | USAA | State Farm | GEICO | Auto-Owners Insurance | Indiana Farmers Insurance |
|---|---|---|---|---|---|
At-fault accident | $1,093 | $1,104 | $1,708 | $1,440 | $1,293 |
DUI | $1,176 | $1,011 | $1,996 | $2,223 | $1,386 |
Suspended license | $1,133 | $1,011 | $2,401 | $2,223 | $1,386 |
Open container | $1,040 | $880 | $1,996 | $1,182 | $1,164 |
Expired registration | $958 | $880 | $1,303 | $932 | $1,164 |
Driving without lights | $958 | $880 | $1,303 | $932 | $1,275 |
Running a red light | $958 | $880 | $1,303 | $932 | $1,386 |
Following too closely | $958 | $880 | $1,303 | $932 | $1,386 |
Hit and run | $1,212 | $1,011 | $2,296 | $2,223 | $1,164 |
Not-at-fault accident | $766 | $815 | $1,002 | $1,031 | $1,164 |
Passing a school bus | $1,040 | $880 | $1,303 | $1,134 | $1,386 |
Reckless driving | $1,040 | $1,011 | $2,296 | $2,223 | $1,164 |
Speeding | $958 | $880 | $2,296 | $1,515 | $1,386 |
Cheapest car insurance for drivers with a DUI in Indiana
Drivers in Indiana with a DUI or DWI are likely to see a significant increase in their car insurance rates. The average annual cost for car insurance in Indiana is $1,215, but drivers with a DUI can expect to pay an average of $2,082 per year.
But rates vary significantly from one company to the next. According to our research, the three cheapest car insurance companies in Indiana for drivers with a DUI are State Farm, USAA, and Indiana Farmers Insurance.
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,011 |
USAA | $1,176 |
Indiana Farmers Insurance | $1,386 |
GEICO | $1,996 |
Auto-Owners Insurance | $2,223 |
Cheapest car insurance for drivers with a speeding ticket in Indiana
Indiana drivers with a speeding ticket could also see their rates go up. The average cost of insurance for a driver with a speeding ticket in Indiana is $1,793 per year.
But drivers with a speeding ticket or moving violation on their record can still save money on car insurance by comparing quotes from multiple insurance companies. Our research shows the companies offering the lowest rates for drivers in Indiana with a speeding ticket are State Farm, USAA, and Indiana Farmers Insurance.
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $880 |
USAA | $958 |
Indiana Farmers Insurance | $1,386 |
Auto-Owners Insurance | $1,515 |
GEICO | $2,296 |
→ Read more about SR-22 insurance for Indiana’s drivers
Cheapest car insurance for drivers with bad credit in Indiana
Drivers with bad credit generally pay more for car insurance coverage, but the good news is that credit score isn’t the most important factor when it comes to rates. If your driving record is clean you may still be able to find affordable rates, even with poor credit.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,269 |
USAA | $1,398 |
Grange Insurance | $1,584 |
Nationwide | $1,809 |
Progressive | $1,882 |
Car insurance costs in Indiana cities
The crime rate, traffic, and numbers of accidents and claims in your area will all affect what you pay for car insurance. Here’s what drivers pay in the 10 biggest cities in Indiana.
Indianapolis: $1,320
Fort Wayne: $1,186
Evansville: $1,262
Carmel: $1,143
South Bend: $1,188
Fishers: $1,175
Bloomington: $1,208
Hammond: $1,539
Gary: $1,627
Lafayette: $1,108
Buying car insurance in Indiana
Indiana drivers must carry at least a minimum amount of car insurance. The car insurance requirements in Indiana are:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Underinsured motorist bodily injury: $50,000 per accident
Indiana specifies that insurers must include uninsured/underinsured motorist insurance at the same levels as the minimum liability requirements, but customers can reject that coverage if they put it explicitly in writing.
How to get cheap car insurance in Indiana
Discounts are a reliable way to bring down your car insurance costs, so make sure you know which ones your car insurance company offers. Some of the most common include:
Bundling discount: If you have homeowners, renters, or other insurance policies with the same company, you can save big
Safe driver discount: For keeping a clean driving record
Good student discount: For young drivers who keep their GPA above a certain level
Low mileage discount: For drivers who keep their mileage under a certain number per year
Military discount: For both active duty servicemembers and veterans
If you are not eligible for any discounts, you can still find the cheapest rates on car insurance by comparing quotes before you buy.
Find car insurance in your city:
Frequently asked questions
Do I need uninsured/underinsured motorist coverage?
In Indiana, car insurance policies automatically include uninsured/underinsured motorist coverage of at least $25,000 per person/$50,000 per accident. If you choose not to accept this coverage, you can reject it expressly in writing. However, many insurance experts agree that carrying this protection is important in case of an accident with an uninsured driver.
Who has the lowest rates in Indiana?
USAA has the lowest average rate in Indiana, but rates vary widely, so comparing policies is the best way to ensure that you get the lowest rate for you.
What is the best insurance for teenage drivers?
Allstate has the most affordable policies for 16-year-old drivers in Indiana, but teenagers should also compare rates to make sure they’re getting the best deal on coverage.
How much is car insurance per month in Indiana?
The average cost of car insurance in Indiana is $101 per month, or $1,215 per year.
