Cheapest Insurance in Indiana 2021

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  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
Though Indiana has a fairly high population density and high auto repair costs, insurance tends to be on the lower end of the scale and falls below the national average. Despite this, it’s still a good idea to compare quotes from multiple insurers.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Indiana. And if you want to learn more about car insurance rates in Indiana, keep reading.
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Here’s how much real Jerry customers saved in Indiana when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
June 4, 2021Oldsmobile 98 Regency Elite
Indianapolis
65NationwideCustom$102/mo.$65/mo.
May 7, 2021Dodge Grand Caravan SXT
Evansville
43DairylandCustom$103/mo.$73/mo.
August 19, 2021Jeep Renegade Sport
Oakland City
43Bristol WestCurrent$269/mo.$78/mo.
January 31, 2021Acura MDX Touring
New Albany
46State AutoCustom$113/mo.$84/mo.
August 15, 2021Nissan Altima 2.5
Fishers
42ClearCoverCurrent$278/mo.$93/mo.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Indiana.

Cheapest minimum coverage car insurance in Indiana

The minimum required insurance coverage varies depending on your state laws. In Indiana, drivers must have the following:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Indiana:
Before Jerry
After Jerry
$2,305$1,322
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Additional coverages you might want to consider when shopping for car insurance in Indiana

Risk factorCoverage to consider
High population densityPurchasing collision insurance is a good idea in population-dense areas where there’s more traffic and an increased risk for accidents.
Severe weatherComprehensive insurance covers your vehicle in the case of physical damage from tornadoes, thunderstorms, flooding, and other severe weather events that Indiana is prone to.
Uninsured and underinsured driversAbout 15% of drivers in Indiana are uninsured. Uninsured motorist coverage offers protection in case of an accident with one of them.
Bodily injury and property damage liability insurance are mandatory in Indiana, but securing additional coverage is a good idea if you can afford it.

Best carriers for minimum coverage car insurance in Indiana

Hopping behind the wheel without at least the mandatory minimum insurance has some serious repercussions in Indiana, including fines, driver’s license suspensions, and an SR-22 certificate for up to five years.
With reasonable, below-average premiums in Indiana, there’s simply no reason to drive uninsured.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Indiana:
Insurance Company
Before Jerry
After Jerry
Progressive$2,334$1,451
Kemper$2,030$1,733

Cheapest full coverage car insurance in Indiana

Since Indiana’s mandatory minimum insurance doesn’t include collision or comprehensive insurance, it leaves a gap in coverage: your own vehicle.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$2,673$1,944
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Best carriers for full coverage car insurance in Indiana

Indiana has plenty of different insurers that offer full coverage car insurance, so you shouldn’t have any trouble finding an affordable rate.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Indiana:
Insurance Company
Before Jerry
After Jerry
Travelers$1,106$1,074
Progressive$2,186$1,537
Allstate$2,575$2,267
Kemper$3,816$2,417
Though you can legally drive in Indiana with minimum liability coverage, securing full coverage can provide you with peace of mind and greater financial protection.

Cost to insure your car in Indiana by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Aggressive driving habits combined with this lack of experience make young drivers the most likely to get into car accidents. In 2018, crash rates for this age group were 1,215 per 10,000 licensed drivers—more than triple the rate for drivers over 75, who saw the fewest accidents.
It’s this risk that accounts for the high rates that insurers charge young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$2,736$1,703
21-24$2,576$1,638
25-34$2,108$1,261
35-44$1,901$1,016
45-54$2,793$1,652
55-64$2,631$1,643
65+$1,769$902
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Cost of insurance for drivers in Indiana with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
In Indiana, serious violations remain on your record for at least two years. Insurance companies see you as a high-risk driver, which can affect your insurance rate by hundreds of dollars each year.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,280$1,473
Wrong Way/Wrong Lane$1,100$844
Driving on Sus. License$1,800$992
DUI$2,283$1,219
Improper Passing$3,456$1,313
Suspension$2,160$1,560
Speeding under 15$2,833$1,585
Failure to Obey Traffic Sign$2,661$1,694
Illegal Turn$3,020$1,748
Speeding over 15$2,784$1,835

Best carriers for drivers with infractions in Indiana

Insurance Company
Before Jerry
After Jerry
Safeco$2,213$1,562
Progressive$2,491$1,611
Travelers$2,689$1,656
State Auto$1,887$1,669
Kemper$2,206$1,755
National General$3,120$1,759
Nationwide$2,568$1,934
Allstate$2,379$2,110
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Cost of insurance for young drivers in Indiana with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Indiana has a graduated licensing system that gives young drivers a chance to learn to drive under the supervision of an experienced driver. But incident rates among young drivers remain high and insurance companies take on far higher risk when insuring young drivers with a driving violation.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,686$1,771
Wrong Way/Wrong Lane$1,100$844
Suspension$2,160$1,560
Improper Passing$1,920$1,640
Speeding under 15$3,581$1,803
DUI$2,436$1,930
Speeding over 15$3,666$2,234
Careless Driving$6,000$4,048
Other$2,504$1,432
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Indiana, check out these top carriers.

Best carriers for young drivers with infractions in Indiana

Insurance Company
Before Jerry
After Jerry
Safeco$2,753$1,685
Progressive$3,123$1,923
Travelers$2,605$2,136
Nationwide$3,656$2,992
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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Types of discounts that might be available to you in Indiana

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Indiana.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Discount typeWho is eligible?
Good driver discountIf you have a clean record with no violations, no at-fault accidents, and no claims, you may be eligible for a discount of up to 30% on your premium.
Billing discountPaying your annual premium in full at the beginning of the year (rather than monthly) can net you savings—as can switching to paperless billing.
Policy bundling discountBundling other products with your car insurance can result in savings of up to 12% on each policy. Popular bundles include home, renter’s, condo, and/or life insurance.
Safety discountInstalling safety features on your vehicle, like winter tires, reduces your risk of an accident and may make you eligible for reduced premiums.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in Indiana?

The Chevy Malibu is the most popular car in Indiana—and perhaps for good reason. Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Acura TL$3,800$648
BMW I3 Rex$1,200$504
Buick
Lacrosse Sport Touring
$2,076$1,608
Buick Verano$1,860$1,044
Cadillac SRX Performance Collection$1,800$852
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Cheapest car insurance in Indiana by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
About 15% of drivers in Indiana get behind the wheel without the required minimum liability insurance. And unfortunately, this risk is passed on to insured drivers through higher annual premiums.
Indiana also has a fairly high population density, which means more cars on the road and more opportunity for car accidents.
These factors, of course, vary by city—which is why where you live plays a fairly significant role in your overall insurance rate.
City
Before Jerry
After Jerry
Indianapolis
$2,355$1,555
Fort Wayne
$2,527$1,441
Evansville
$1,964$1,387
Jeffersonville
$2,848$1,703
New Albany
$2,688$1,840
Gary
$1,805$1,310
Bloomington
$1,747$1,552
South Bend
$2,028$1,478
Fishers
$2,529$1,407
West Lafayette
$2,063$1,599

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.

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