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.
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:
Additional coverages you might want to consider when shopping for car insurance in Indiana
Coverage to consider
High population density
Purchasing collision insurance is a good idea in population-dense areas where there’s more traffic and an increased risk for accidents.
Comprehensive 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 drivers
About 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:
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:
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.
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)
Who is eligible?
Good driver discount
If 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.
Paying 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 discount
Bundling 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.
Installing 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:
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.
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.
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.