Cheapest Insurance in Indiana 2021
- Find cheapest car insurance Indiana
- Best insurance companies
- 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
- Cost by car make
- Cost by city
- Lower costs
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.
Find the cheapest car insurance in Indiana with Jerry
Insurers consider numerous factors when setting their car insurance premiums. These include your personal profile, driving record, type of car, and even where you live. That’s why shopping around is the best way to find a deal.
Here’s how much Jerry customers were paying for car insurance in Indiana before they compared quotes and switched plans with Jerry:
Best insurance companies for cheap insurance in Indiana with Jerry
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
|Risk factor||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.|
|Severe weather||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:
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:
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:
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 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.
|Wrong Way/Wrong Lane||$1,100||$844|
|Driving on Sus. License||$2,845||$1,479|
|Speeding under 15||$2,624||$1,548|
|Failure to Obey Traffic Sign||$2,577||$1,636|
|Speeding over 15||$2,647||$1,765|
Best carriers for drivers with infractions in Indiana
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.
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
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.
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 type||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.|
|Billing discount||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.|
|Safety discount||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:
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.
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.
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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Frequently asked questions
How much does it cost to use Jerry?
Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
What kind of insurance can Jerry help with?
Jerry currently shops for car, home, renters, and umbrella insurance.
Which insurance companies will I get quotes from?
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at firstname.lastname@example.org or call 1-833-445-3779 (M-F 8am-5pm PT).
Does Jerry mark up the quotes from the insurance companies?
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Will Jerry sell my personal information? Will I be bombarded with phone calls and emails?
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
Do I have to wait until my current insurance policy is up for renewal before I can switch?
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Is Jerry a licensed insurance agent?
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
How is Jerry better than my local agents or the online price shopping sites?
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Will Jerry change my policy without my approval?
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
Will having Jerry shop for quotes affect my credit score or current insurance rate?
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
How can I contact customer service?
You can email the member service team at email@example.com or call 1-833-445-3779 (M-F 8am-5pm PT).