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Cheapest Car Insurance in Indiana (Oct 2024)
Cheapest Car Insurance in Indiana (Oct 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Indiana.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in Indiana
- Cheapest car insurance companies in Indiana
- Indiana Car Insurance Coverage Requirements
- Indiana Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Indiana?
- Car Insurance for Indiana Drivers With a Low Credit Score
- How to lower the cost of car insurance in Indiana
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Indiana
When it comes to shopping for car insurance, no one company is “most affordable” for everyone. But who has time to hunt for
cheap car insurance
rates across all providers?Savvy shoppers use Jerry Insurance Agency for all of their car insurance needs.
Jerry
is a trusted insurance comparison app
that helps car owners find the lowest rates in just a few minutes.| Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $241 | Jessie, 25 | Chevrolet Malibu LT | • State Minimum Liability • Comp / Collision |
| AAA | $86 | Florence, 26 | Toyota Camry LE | • 50,000/100,000 Liability • Comp / Collision |
| Travelers | $118 | Clyde, 63 | Jeep Cherokee Latitude | • 100,000/300,000 Liability • Comp / Collision |
| Safeco | $108 | Glenn, 54 | Lincoln MKZ | • State Minimum Liability |
Gainsco | $105 | Milton, 34 | Ford Ecosport SES | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Oct 12, 2024Cheapest car insurance companies in Indiana
Want to know which providers offer cheap Indiana car insurance? Check out the specs on Jerry’s nationwide insurance shopping survey.
The study’s findings reveal that a universal “best” car insurance company doesn’t exist.
Although insurance companies set their policies based on a wide range of customer needs, State Farm is the most popular insurance provider in the country. But our survey shows that customers in Indiana favor insurers like Assurance America, National General, and Root—all of which earned an overall rating of 5/5.
Indiana drivers found the best rates with Dairyland, Elephant, Gainsco, National General, and Root, rating all of them 5/5 for policy cost.
Take a closer look at the shared feedback from these insurance policyholders.
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Safeco | October 5, 2024 | 4 | "While I haven't had them long, they are cheap (full coverage) and there is very little hassle as everything can be do...(read more)" -Edward |
| USA Underwriters Insurance | October 3, 2024 | 5 | "So far great customer service " -Lina |
| Assurance America | October 3, 2024 | 5 | "We recently switched to Assurance America through Jerry, and it was the best decision. Fast, easy, and secure, and it...(read more)" -Mason |
| Allstate | September 27, 2024 | 3 | "After 6 months my premiums went up I did file one claim but instead of letting me know after I talked to them about m...(read more)" -Hulda |
| Progressive | September 26, 2024 | 3 | "I had been with this company for years. My adult son was on my policy due to the car he was driving had my name on ti...(read more)" -Helen |
Last Updated Oct 15, 2024
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
As the nation’s leading insurance app, Jerry finds and compares
car insurance
rates across dozens of providers for free. Jerry is committed to helping drivers secure optimal coverage at competitive pricing—and our team of 100+ licensed insurance agents offers end-to-end support along the way!Minimum liability and full coverage in Indiana
Drivers in Indiana are legally required to carry minimum liability insurance to ensure financial responsibility while behind the wheel.
According to the Indiana Bureau of Motor Vehicles (BMV), you’ll need to provide proof of this insurance to avoid penalties—but opting for
full-coverage insurance
offers a broader range of protections.Cheapest minimum liability coverage car insurance quotes in Indiana
All drivers must adhere to
Indiana’s car insurance laws
. The minimum liability insurance requirements in the state include:- $25,000 per person for bodily injury liability
- $50,000 per accident for total bodily injury liability
- $25,000 per accident for property damage liability
These minimum coverage amounts are commonly referred to as 25/50/25 coverage and help ensure that drivers have the basic financial security to pay for damage after an accident.
Jerry has helped drivers in Indiana find the most affordable rate for minimum liability insurance.
Do you need more than minimum coverage in Indiana?
Most drivers would do well to consider purchasing higher liability coverage than the state minimum of 25/50/25.
If you’re in an at-fault accident, these minimums may not be enough to cover vehicle repairs and medical bills—and this is particularly true if the accident results in severe injuries to another person or if the car is totaled.
The bottom line: To reduce your financial risk, opt for 50/100/50 or 100/300/100 liability insurance—or consider a full-coverage plan.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage car insurance quotes in Indiana
If you want to safeguard your finances from steep accident expenses, you want full-coverage car insurance. Repairing or replacing your vehicle can cost thousands of dollars, but it doesn’t have to come out of your wallet if you have adequate coverage.
- Comprehensive coverage pays for damages to your car caused by perils other than collision or upset—including losses such as theft, fire, windstorm, or glass breakage
- Collision coverage pays for damages to your car resulting from a collision or upset
If you have a car loan, your lender will require full coverage.
Jerry has helped Indiana drivers shopping for full-coverage policies find affordable quotes with great providers.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $422 | Vernon, 18 Lafayette, IN | GMC Sierra K1500 |
• State Minimum Liability • Comp / Collision | AAA | $204 | Luis, 24 | Lexus LS 460L |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $285 | Paul, 22 Columbus, IN | Chrysler 200 S |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $118 | Clyde, 63 | Jeep Cherokee Latitude |
• State Minimum Liability • Comp / Collision | Gainsco | $75 | Lena, 64 | Nissan Rogue S |
Last Updated Oct 14, 2024Average rates for state minimum liability coverage and full coverage
Based on our experience in assisting thousands of insurance customers in the Hoosier state, we’ve learned that the average cost of minimum liability coverage amounts to approximately $0 per month—that’s yearly. And getting full-coverage insurance in Indiana will cost around $0 each year or $0 per month.
While the national average can give you an idea of potential insurance costs, individual insurance premiums are influenced by many factors—the type of vehicle, driving history, claims record, demographic information, and more.
Drawing from our experience assisting drivers in Indiana, minimum liability coverage typically begins at $0 per month. Full coverage policies, on the other hand, start at $0 per month.
Remember: These figures can fluctuate depending on each driver’s specific circumstances.
Indiana car insurance: Additional coverages
Apart from collision and comprehensive coverage, there are several other important types of car insurance in Indiana, including:
- Medical payments (MedPay): Helps pay for medical expenses for injuries sustained in a car accident.
- Towing and labor coverage: Commonly known asroadside assistance, this covers the cost of towing your vehicle and any necessary labor expenses in case of a breakdown.
- Rental car reimbursement: Reimburses you for the cost of renting a replacement vehicle while yours is being repaired after a covered claim.
Uninsured motorist coverage or underinsured motorist coverage: Allows you to collect damages from your own insurance company if you’re involved in an accident with a driver who lacks or has insufficient coverage.
It’s important to note that
uninsured/underinsured motorist coverage
is automatically included in each newly written Indiana auto liability policy. If you do not want this coverage, you must reject it in writing. The minimum liability limits for this coverage are as follows:- Uninsured motorist bodily injury: $25,000 per person/$50,000 per accident
- Property damage: $25,000
Other coverages to consider may include:
- Gap insurance:Gap insurance in Indianaoffers protection if you owe more on the car than its actual value and can ensure coverage if your vehicle is towed or stolen. This coverage is ideal if you’re financing your vehicle—and your lender may require it!
How Do Different Factors Impact Your Car Insurance Costs in Indiana?
How Do Different Factors Impact Your Car Insurance Costs in Indiana?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Indiana currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Indiana:
Cheapest Indiana car insurance after a driving violation
Insurance companies consider driving violations an indication of increased risk—and as a result, a history of moving violations means higher insurance premiums.
Your rate will increase based on the severity of the violation and the number of points accumulated on your driving record.
Cheapest car insurance for Indiana drivers with a speeding ticket
Indiana speeding ticket
fines typically can easily cost $300 per offense. But the penalties don’t stop there—depending on how fast you were driving over the speed limit, you will receive between two to eight points on your record. These will affect your insurance rates.Insurance companies use the point system to estimate the cost of covering a driver. The more points you have on your record, the more you will pay towards your insurance premium.
Jerry has helped drivers with speeding tickets lower their car insurance costs.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $73 | Theodore, 44 Churubusco, IN | • State Minimum Liability |
Speeding 6-10 | Nationwide | $98 | Allie, 44 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 11-15 | Safeco | $61 | Alvin, 31 | • State Minimum Liability |
Speeding 16-20 | Nationwide | $98 | Chase, 44 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 21+ | Bristol West | $171 | Genevieve, 39 Ligonier, IN | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Oct 15, 2024Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
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Elizabeth
They were the fastest and cheapest around!
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Best rates.
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Cheapest auto insurance in Indiana after a DUI
A
DUI in Indiana
typically leads to a substantial increase in car insurance rates compared to traffic infractions and other road violations.Following a DUI citation, you will likely need to shop multiple insurance providers to find the best rates available.
Jerry helps drivers with DUIs on their record find affordable auto insurance coverage.
Rosa (37 years old)
$63
per month
Indiana SR-22 insurance
After committing a serious violation such as a DUI, you will likely need to file an
SR-22
before you’re able to legally drive again. SR-22 insurance proves future financial responsibility and adherence to Indiana’s minimum insurance standards.A DUI conviction isn’t the only situation that requires an SR-22 certificate. You will typically need to file an SR-22 if you are:
- Convicted of driving without auto insurance
- Convicted of driving with a revoked or suspended license
While the fee for filing an SR-22 is small, the true expense comes in the form of increased insurance premiums.
Cheapest Indiana auto insurance after an at-fault accident
Your accident and claims history play a significant role in determining your auto insurance rates since they give insurance companies an idea of your level of risk as a policyholder.
A recent at-fault accident can lead to a substantial increase in your coverage premiums come policy renewal.
Jerry helps drivers in Indiana find the most affordable rates—even when they have at-fault accidents on their driving records.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $214 | Jeanette, 31 | • 100,000/300,000 Liability |
At Fault With No Injury | Safeco | $217 | Francis, 34 | • State Minimum Liability • Comp / Collision |
Not At Fault | AAA | $163 | Seth, 25 Fishers, IN | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $279 | Rhoda, 23 Paragon, IN | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | Clearcover | $63 | Stella, 42 | • State Minimum Liability |
Last Updated Oct 9, 2024FAQ
Is Indiana a no-fault state?
Indiana is usually considered an at-fault state—if you are deemed responsible for an accident, you are liable for the other driver’s damages.
That said, it’s important to note that there are situations in which Indiana law can find both parties partially responsible. So while you may have the right to seek compensation from another liable party, your awarded payment will be reduced by the percentage of liability that’s assigned to you.
Considering this, optional coverages such as collision insurance and comprehensive insurance are highly recommended to pay for potential damages to your vehicle. MedPay will pay for steep medical expenses—regardless of who is at fault—and can fill in the gaps where health insurance can’t.
The bottom line: While supplemental coverage doesn’t sound all that important, it can provide peace of mind where the minimum amount of liability insurance cannot. Jerry can help you evaluate your specific needs to help determine valuable additions to your insurance policy.
Cheapest auto insurance after other violations in Indiana
Apart from speeding tickets and DUIs, other violations can increase car insurance costs in Indiana.
Common moving violations include speeding,
reckless driving
, and driving with a suspended license. Explore how Jerry has helped policyholders with violations on their driving records lower their monthly premiums.| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $163 | Kevin, 29 | Mitsubishi Outlander SE | • 50,000/100,000 Liability • Comp / Collision |
Cell Phone | Safeco | $192 | Pearl, 37 | GMC Yukon Denali | • 50,000/100,000 Liability • Comp / Collision |
Defective Equipment | Progressive | $164 | Shawn, 33 Fishers, IN | Volkswagen Jetta S | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Travelers | $130 | Harriet, 33 | Dodge Caliber SXT | • 50,000/100,000 Liability • Comp / Collision |
DUI | AAA | $189 | Brian, 33 | Cadillac Escalade ESV Luxury | • State Minimum Liability • Comp / Collision |
Eluding Police | Clearcover | $94 | Maurice, 23 | Volkswagen Jetta SE | • State Minimum Liability • Comp / Collision |
Failure To Observe A Safety Zone | National General | $106 | Jason, 43 | Chevrolet Colorado | • State Minimum Liability |
Illegal Turn | Plymouth Rock | $129 | Carlos, 31 | BMW 335 Xigt | • 15,000/30,000 Liability |
Improper Passing | Safeco | $158 | Shane, 35 Gosport, IN | Chevrolet Malibu 1LT | • State Minimum Liability • Comp / Collision |
Leaving scene of an Accident/Hit and Run | Bristol West | $100 | Mathilda, 26 | Ford Focus ST | • State Minimum Liability |
Open Container | Gainsco | $70 | Mason, 24 | Toyota Corolla LE | • State Minimum Liability |
Passing School Bus | Assurance America | $64 | Annie, 51 | KIA RIO LX | • State Minimum Liability |
Seat Belt | State Auto | $134 | Mina, 59 | Buick Lucerne CXL | • State Minimum Liability • Comp / Collision |
Speeding Violation-Major | Travelers | $104 | Ruby, 28 Akron, IN | Ford Fusion SE | • 50,000/100,000 Liability • Comp / Collision |
Speeding Violation-Minor | National General | $90 | Philip, 28 | Chevrolet Trailblazer | • State Minimum Liability |
Suspension | AAA | $130 | Jim, 33 Richmond, IN | Jeep Cherokee Sport | • State Minimum Liability |
Wrong Way/Wrong Lane | Electric | $150 | Sue, 33 Fishers, IN | Volkswagen Jetta S | • State Minimum Liability • Comp / Collision |
Other Minor | Clearcover | $82 | Mitchell, 27 | Nissan Altima SR | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Oct 15, 2024Cheapest Indiana auto insurance based on insurance history
Insurance history plays a significant role in determining your car insurance rates—particularly whether you maintain continuous coverage.
When you have a coverage gap, insurance companies consider you a higher risk. An
insurance coverage lapse
will result in higher rates.Payment reminders from Jerry help customers stay on track with insurance payments and prevent lapses in coverage. By proactively reminding you of upcoming payments or notifying you if you’re late, Jerry ensures timely and continuous coverage.
Jerry can help uninsured and lapsed-coverage customers discover savings with new policies.
Willie (24 years old)
$101
per month
Joel (39 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$119
per month
Ronald (62 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$118
per month
Chester (33 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Reynolds, IN$86
per month
Steve (31 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
$65
per month
Sean (31 years old)
Not Currently Insured
Coverage15,000 per person
30,000 per accident bodily injury
$129
per month
Cheapest car insurance for drivers with poor credit
Indiana is one of many states that use credit-based insurance scores to determine rates. While your credit rating may not directly reflect your driving ability, insurance companies have found a correlation between lower credit scores and a higher likelihood of filing claims.
Drivers with poor credit scores usually receive higher insurance rates compared to those with good credit ratings.
According to our data, the average car insurance rate for individuals in the lowest credit bracket (a score under 550) is nearly 20% higher than the average rate for those with excellent credit (above 750).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $64 | Ronald, 31 | Nissan Sentra S | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Safeco | $78 | Mike, 60 Hartford City, IN | Saturn Aura XR | • State Minimum Liability |
550 - 659 | Allstate | $128 | Etta, 35 | Chrysler 300 Touring | • 50,000/100,000 Liability • Comp / Collision |
< 550 | AAA | $351 | Thomas, 27 | Ford Escape Limited | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Oct 14, 2024Cheapest Indiana car insurance by age
Generally, young drivers pay higher car insurance premiums compared to older and more experienced drivers because they’re more likely to be involved in accidents and engage in risky driving behaviors. By the age of 25, insurance rates tend to decrease.
On the other end of the age spectrum, older drivers may also experience higher insurance costs. Certain age-related factors—such as declining vision or slower reaction times—can increase the likelihood of an accident and result in greater risk for the insurer.
Ultimately, car insurance rates are the result of many factors—age is just one of them. Drivers young and old should shop around to find cost-effective coverage suited to their needs.
Cheapest Indiana car insurance for young drivers
In Indiana, teen drivers between the ages of 16 and 19 typically face the highest insurance rates compared to other age groups.
Full coverage is typically the best option for teen drivers as it offers comprehensive financial protection—especially for teens who own and drive newer cars.
Birdie (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$183
per month
Nathan (21 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$284
per month
Gainsco
Howard (22 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$388
per month
Clearcover
Dollie (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Mercury Milan Premier$98
per month
Cheapest Indiana car insurance for senior drivers
Despite years of driving experience, seniors may experience age-related changes in vision, hearing, and cognitive abilities that affect their driving skills. Senior drivers are also more likely to sustain severe injuries in an accident compared to younger drivers.
Since insurance companies identify seniors as high-risk for serious accident and injury claims, they increase rates to compensate.
Jerry can help older drivers evaluate their coverage needs and help find savings through discounts, bundling policies, usage-based insurance, and more.
Wayne (67 years old)
$137
per month
Brett (65 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$178
per month
Clearcover
Ronald (74 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Mitsubishi Outlander Sport SE$73
per month
Nell (65 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Washington, IN$65
per month
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Cheapest car insurance for popular cars
Cars that are cheap to insure tend to have low repair costs, anti-theft technology, and great safety features. For insurance providers, this translates to a low risk of expensive repair bills or theft.
In Indiana, some of the most popular models include:
- Chevy Silverado 1500
- Toyota Camry
- Honda Civic
- Jeep Wrangler
You can get
car insurance estimates before buying a car
to ensure you’ll be able to afford the payments.| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota Camry LE | Progressive | $68 | Lou, 26 | • State Minimum Liability • Comp / Collision |
| Honda Civic LX | Travelers | $116 | Ethel, 32 Brook, IN | • 50,000/100,000 Liability • Comp / Collision |
| Jeep Wrangler Unlimited Sahara | Nationwide | $116 | Nettie, 31 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Oct 15, 2024Is it cheaper to insure a new car or a used car?
Insuring a new car tends to be more costly compared to an older car.
Based on our findings, full coverage insurance for a car over 10 years old in Indiana averages $0 per year.
Florence (26 years old)
$86
per month
Jim (36 years old)
2004 GMC Envoy
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$114
per month
Allen (27 years old)
2004 Mercedes-Benz C 240
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$234
per month
Adelaide (34 years old)
$61
per month
Victoria (32 years old)
$177
per month
Indiana's cheapest car insurance by location
Location plays a significant role in determining car insurance rates, and even changing zip codes within the same city can change your insurance costs.
Insurance companies consider factors such as population density, crime rates, traffic congestion, weather, and the frequency of accidents in a particular area.
See how Jerry has helped drivers across Indiana with their unique insurance requirements.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Indianapolis, IN | Lulu, 40 | Allstate | $108 | Ford Fusion SE | • State Minimum Liability • Comp / Collision |
| Indianapolis, IN | Darrell, 28 | AAA | $100 | Land Rover Range Rover Sport Supercharged Autobiography | • No Coverage Liability |
| Indianapolis, IN | Hulda, 54 | Safeco | $108 | Lincoln MKZ | • State Minimum Liability |
| Indianapolis, IN | Michael, 25 | Bristol West | $419 | Chevrolet Malibu LT | • 50,000/100,000 Liability • Comp / Collision |
| Evansville, IN | Dominic, 38 | Clearcover | $104 | Dodge Caliber | • State Minimum Liability • Comp / Collision |
| Michigan City, IN | Lola, 45 | State Auto | $178 | Mazda 6 Touring | • State Minimum Liability • Comp / Collision |
| Indianapolis, IN | Louisa, 25 | Bristol West | $159 | BMW 530i | • State Minimum Liability |
| Logansport, IN | Polly, 31 | Gainsco | $129 | Mitsubishi Lancer ES | • State Minimum Liability |
| Indianapolis, IN | Jane, 30 | Embark General | $152 | BMW 335 i | • No Coverage Liability |
| Indianapolis, IN | Terry, 31 | The General | $216 | Ford Explorer XLT | • State Minimum Liability • Comp / Collision |
| Muncie, IN | Dora, 28 | Assurance America | $61 | Honda Civic EX | • State Minimum Liability • Comp / Collision |
| Gary, IN | Sophie, 25 | Trexis | $412 | Chevrolet Impala Premier | • State Minimum Liability • Comp / Collision |
Last Updated Oct 14, 2024How to lower the cost of car insurance in Indiana
Jerry's team of licensed insurance agents offers valuable recommendations on how to lower your car insurance expenses, including:
- Researching policies across multiple providers and comparing quotes
- Taking advantage of bundle discounts by combining your car insurance with home insurance.
- Taking advantage ofcar insurance discounts, such as those for good students, safe drivers, low mileage usage, and vehicle modifications like anti-theft devices.
- Opting for higher deductibles on comprehensive and collision coverage.
- Working towards an improved credit score.
- Completing a defensive driving course.
- Evaluating the need for collision and comprehensive coverage on older vehicles.
Why car insurance is so expensive in Indiana?
While Indiana is not the most expensive state for car insurance, you may find that you still struggle to find cheap rates. Here’s why:
- Number of accidents and claims filed in the state
- Frequent and severe accidents in densely populated cities like Indianapolis and Fort Wayne
- Uninsured drivers
- Severe weather conditions and natural disasters, including earthquakes, flooding, and winter storms
- Inflation, leading to higher costs across the board—especially for medical care
FAQs
How much is car insurance in Indiana?
The average cost of car insurance in Indiana varies depending on various factors, including your age, driving record, coverage options, and the insurance provider you choose. For the most accurate quotes tailored to your specific needs, it’s best to compare rates across different insurance providers.
Do you need insurance to register a car in Indiana?
Yes—Indiana requires insurance to register a car.
Proof of insurance is only one of the documents you will need to provide. Other required documents you may need to register a vehicle in Indiana include proof of car ownership, a completed certificate of title application, a vehicle inspection certificate, and an odometer disclosure statement.
Additional documents may be required in specific circumstances, such as if the vehicle was previously titled out of state, if there are liens on the vehicle, or if you live in a particular county.
Can you get car insurance without a license in Indiana?
You may be able to get car insurance without a license in Indiana, but it can be difficult and insurers may consider you high-risk. You’ll need to call around and see which insurance companies will offer you insurance without being a licensed driver.
Does insurance follow the car or the driver in Indiana?
In Indiana, car insurance generally follows the car rather than the driver. This means that the insurance policy you have for a specific vehicle will typically cover that vehicle and anyone who is driving it with your permission.
But if someone driving your car who is involved in an accident is excluded from coverage or is otherwise covered, the damage may not fall under your policy.
Is car insurance required in Indiana?
Yes. The minimum car insurance requirements in Indiana are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
These minimum liability coverage limits are commonly expressed as 25/50/25.
How long can you drive without insurance after buying a car in Indiana?
If you’re financing a vehicle, your lender will require you to have coverage before you drive the car off the lot. If you’re not borrowing to pay for the car, the state will usually allow anywhere from 7 to 30 days' grace for you to purchase car insurance for the vehicle.
What is the cheapest car insurance in Indiana?
The cheapest car insurance in Indiana is minimum liability coverage—but it’s not always the best.
The state minimums don’t offer you any protection for your vehicle or medical expenses following an accident. For that, you’ll need full-coverage insurance.
To find the most affordable policy, compare quotes from at least 3-5 different insurance companies.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
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about our editorial standards, and our expert review board *Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.