Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Indiana.

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Updated on Nov 26, 2024

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

Learn more about our insurance review board

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

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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	$197	Sadie, 32 Hobart, IN	KIA K5 GT Line	• State Minimum Liability • Comp / Collision
Nationwide	$157	Luis, 52 Indianapolis, IN	Dodge Charger SXT	• 50,000/100,000 Liability • Comp / Collision
Safeco	$172	Alberta, 38 Avon, IN	Toyota RAV4 HV Hybrid XLE	• 100,000/300,000 Liability • Comp / Collision
Mercury	$202	Willie, 27 Crown Point, IN	Nissan Sentra S	• 50,000/100,000 Liability • Comp / Collision
Bristol West	$240	Harvey, 59 Hammond, IN	Ford Flex SEL	• State Minimum Liability

Last Updated Nov 26, 2024

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Cheapest 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:
Assurance America	November 17, 2024	5	"The process is fast and easy and we are very happy with our new policy. " -Mitchell
Farmers	November 16, 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)" -Jack
Elephant Auto Insurance	November 13, 2024	3	"Not a fan of this insurance provider " -Clara
Infinity	November 11, 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)" -Isabelle
Bristol West	November 9, 2024	5	"They gave me full coverage for less than what I was paying for pl/pd thru progressive." -Lydia

Last Updated Nov 26, 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.

To make

shopping for car insurance

effortless, look no further than Jerry.

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.

Progressive

Sadie (32 years old)

Coverage

State Minimum

Hobart, IN

KIA K5 GT Line

$197

per month

Travelers

Jimmy (30 years old)

Coverage

State Minimum

Indianapolis, IN

Honda Civic SI

$93

per month

Nationwide

Frederick (43 years old)

Coverage

State Minimum

Terre Haute, IN

Ford Focus S

$130

per month

Allstate

Clyde (22 years old)

Coverage

State Minimum

Columbus, IN

Chrysler 200 S

$255

per month

Bristol West

Landon (52 years old)

Coverage

State Minimum

Memphis, IN

Chevrolet Malibu LT

$92

per month

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.

| Verified Jerry Customer

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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.

Full coverage in Indiana typically includes

comprehensive

and

collision 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	$174	Maria, 27 Fort Wayne, IN	BMW 320 i xDrive
• State Minimum Liability • Comp / Collision	Allstate	$255	Clyde, 22 Columbus, IN	Chrysler 200 S
• 50,000/100,000 Liability • Comp / Collision	AAA	$86	Seth, 26 Lawrenceburg, IN	Toyota Camry LE
• 100,000/300,000 Liability • Comp / Collision	Travelers	$118	Rosa, 63 Indianapolis, IN	Jeep Cherokee Latitude
• 50,000/100,000 Liability • Comp / Collision	Nationwide	$157	Garrett, 52 Indianapolis, IN	Dodge Charger SXT

Last Updated Nov 24, 2024

Average 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 as

roadside 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 Indiana

offers 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!

Not in Indiana?

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Car insurance premium by rating factors

Car insurance premiums in Indiana are determined by insurance company rating factors. These factors include:

Driving record and claims history: If your Indiana driving record has a history of accidents or tickets, insurance companies are likely to charge higher premiums.

Location: Rates may be higher if you reside in a city versus a rural area, and can also vary between ZIP codes within the same city.

Vehicle type: Luxury, high-performance, and sports cars typically have higher insurance costs for collision and comprehensive coverage.

Usage: Insurance companies often charge higher premiums if you use your car for commuting to and from work compared to using it solely for leisure purposes.

Credit score: If you have a high credit rating you’ll generally pay less for insurance—and your creditworthiness typically affords you lower starting quotes.

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	Eddie, 44 Churubusco, IN	• State Minimum Liability
Speeding 6-10	Travelers	$101	Lura, 32 Indianapolis, IN	• 100,000/300,000 Liability • Comp / Collision
Speeding 11-15	Safeco	$61	Sally, 31 Franklin, IN	• State Minimum Liability
Speeding 16-20	Nationwide	$98	Martha, 44 Bloomington, IN	• 50,000/100,000 Liability • Comp / Collision
Speeding 21+	Bristol West	$171	Bess, 39 Ligonier, IN	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 26, 2024

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Cheapest auto insurance in Indiana after a DUI

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.

Progressive

Bradley (26 years old)

DUI

Coverage

State Minimum

Depauw, IN

Ford Mustang GT

$188

per month

Nationwide

Hattie (35 years old)

DUI

Coverage

100,000 per person

300,000 per accident bodily injury

Indianapolis, IN

Volkswagen Jetta S

$95

per month

AAA

Philip (34 years old)

DUI

Coverage

State Minimum

Indianapolis, IN

Cadillac Escalade ESV Luxury

$189

per month

Bristol West

Lena (39 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Ligonier, IN

Ford Explorer Limited

$171

per month

Gainsco

Johanna (32 years old)

DUI

Coverage

State Minimum

Saint John, IN

Nissan Altima SR

$280

per month

Metlife

Barry (38 years old)

DUI

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Kokomo, IN

Dodge Charger SXT

$115

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	Agnes, 31 Evansville, IN	• 100,000/300,000 Liability
At Fault With No Injury	Safeco	$217	Hannah, 34 Greenfield, IN	• State Minimum Liability • Comp / Collision
Not At Fault	AAA	$163	Elizabeth, 25 Fishers, IN	• 50,000/100,000 Liability • Comp / Collision
At Fault With No Injury	Nationwide	$279	Stella, 23 Paragon, IN	• 50,000/100,000 Liability • Comp / Collision
At Fault With Injury	Clearcover	$63	Curtis, 42 Brazil, IN	• State Minimum Liability

Last Updated Nov 24, 2024

FAQ

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	Lula, 29 Portage, IN	Mitsubishi Outlander SE	• 50,000/100,000 Liability • Comp / Collision
Cell Phone	Safeco	$192	Michael, 37 Indianapolis, IN	GMC Yukon Denali	• 50,000/100,000 Liability • Comp / Collision
Defective Equipment	Progressive	$164	Beulah, 33 Fishers, IN	Volkswagen Jetta S	• State Minimum Liability • Comp / Collision
Driving on Sus. License	Travelers	$130	Lewis, 33 Indianapolis, IN	Dodge Caliber SXT	• 50,000/100,000 Liability • Comp / Collision
DUI	AAA	$189	Robert, 33 Indianapolis, IN	Cadillac Escalade ESV Luxury	• State Minimum Liability • Comp / Collision
Eluding Police	Clearcover	$94	Sally, 23 Indianapolis, IN	Volkswagen Jetta SE	• State Minimum Liability • Comp / Collision
Failure To Observe A Safety Zone	National General	$106	Dennis, 43 Indianapolis, IN	Chevrolet Colorado	• State Minimum Liability
Illegal Turn	Plymouth Rock	$129	Leila, 31 Carmel, IN	BMW 335 Xigt	• 15,000/30,000 Liability
Improper Passing	Safeco	$158	Isaiah, 35 Gosport, IN	Chevrolet Malibu 1LT	• State Minimum Liability • Comp / Collision
Leaving scene of an Accident/Hit and Run	Bristol West	$100	Nancy, 26 Kokomo, IN	Ford Focus ST	• State Minimum Liability
Open Container	Gainsco	$70	Augusta, 24 Goshen, IN	Toyota Corolla LE	• State Minimum Liability
Passing School Bus	Assurance America	$64	Myra, 51 Muncie, IN	KIA RIO LX	• State Minimum Liability
Seat Belt	State Auto	$134	Alvin, 59 Indianapolis, IN	Buick Lucerne CXL	• State Minimum Liability • Comp / Collision
Speeding Violation-Major	Travelers	$104	Billy, 28 Akron, IN	Ford Fusion SE	• 50,000/100,000 Liability • Comp / Collision
Speeding Violation-Minor	National General	$90	Ola, 28 Lawrenceburg, IN	Chevrolet Trailblazer	• State Minimum Liability
Suspension	AAA	$130	Earl, 33 Richmond, IN	Jeep Cherokee Sport	• State Minimum Liability
Wrong Way/Wrong Lane	Electric	$150	Tommy, 33 Fishers, IN	Volkswagen Jetta S	• State Minimum Liability • Comp / Collision
Other Minor	Clearcover	$82	Francis, 27 Indianapolis, IN	Nissan Altima SR	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 26, 2024

Cheapest 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.

Progressive

Floyd (24 years old)

Currently Insured

Coverage

State Minimum

Shelbyville, IN

KIA Sportage LX

$101

per month

Travelers

Charlotte (39 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Indianapolis, IN

Dodge Charger SXT

$119

per month

Travelers

Tommy (62 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Indianapolis, IN

Jeep Cherokee Latitude

$118

per month

Nationwide

Millie (33 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Reynolds, IN

Toyota RAV4 Sport

$86

per month

National General

Mamie (31 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Portage, IN

Chevrolet Equinox LS

$65

per month

Plymouth Rock

Effie (31 years old)

Not Currently Insured

Coverage

15,000 per person

30,000 per accident bodily injury

Carmel, IN

BMW 335 Xigt

$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	Alexander, 31 Bluffton, IN	Nissan Sentra S	• 100,000/300,000 Liability • Comp / Collision
660 - 750	Safeco	$78	Elva, 60 Hartford City, IN	Saturn Aura XR	• State Minimum Liability
550 - 659	Allstate	$128	Roxie, 35 Schererville, IN	Chrysler 300 Touring	• 50,000/100,000 Liability • Comp / Collision
< 550	AAA	$351	Marian, 27 Indianapolis, IN	Ford Escape Limited	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 22, 2024

Cheapest 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.

Allstate

Ethan (22 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Columbus, IN

Chrysler 200 S

$285

per month

AAA

Anthony (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Avon, IN

Hyundai Santa FE Sport

$164

per month

Travelers

Betty (21 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Indianapolis, IN

Nissan Altima S

$217

per month

Mercury

Sean (22 years old)

Coverage

State Minimum

Gary, IN

KIA Optima SX

$258

per month

Clearcover

Rodney (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Valparaiso, IN

Toyota Corolla

$83

per month

Bristol West

Gene (23 years old)

Coverage

State Minimum

Decatur, IN

Chevrolet Malibu LT

$131

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.

Progressive

Stanley (66 years old)

Coverage

State Minimum

Jasonville, IN

Ford Explorer Sport

$68

per month

Safeco

Luis (70 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Lafayette, IN

Chevrolet Trax 1LT

$192

per month

AAA

Minnie (72 years old)

Coverage

State Minimum

New Albany, IN

Fiat 500 Sport

$167

per month

Nationwide

Lelia (75 years old)

Coverage

500,000 per person

500,000 per accident bodily injury

New Haven, IN

Nissan Murano S

$74

per month

National General

Clayton (71 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Hammond, IN

Chevrolet Trax 1LT

$109

per month

Clearcover

Carlos (74 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Indianapolis, IN

Mitsubishi Outlander Sport SE

$73

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	Lester, 26 Lawrenceburg, IN	• State Minimum Liability • Comp / Collision
Honda Civic LX	Travelers	$116	Louis, 32 Brook, IN	• 50,000/100,000 Liability • Comp / Collision
Jeep Wrangler Unlimited Sahara	Nationwide	$116	Eric, 31 Greencastle, IN	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 25, 2024

Is 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.

Nationwide

Carlos (28 years old)

2002 GMC Yukon

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Roseland, IN

$121

per month

Safeco

Josephine (36 years old)

2004 GMC Envoy

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Monticello, IN

$114

per month

Allstate

Nathaniel (26 years old)

2005 Saturn Relay 2

Coverage

State Minimum

Markleville, IN

$75

per month

Clearcover

Jeffrey (31 years old)

2003 Chevrolet Suburban K1500

Coverage

State Minimum

Indianapolis, IN

$80

per month

Bristol West

Essie (18 years old)

1999 GMC Sierra K1500

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Lafayette, IN

$323

per month

National General

Lenora (61 years old)

2005 Buick Rainier CXL

Coverage

State Minimum

Crawfordsville, IN

$61

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
Hobart, IN	Sadie, 32	Progressive	$197	KIA K5 GT Line	• State Minimum Liability • Comp / Collision
Lawrenceburg, IN	Katie, 26	AAA	$86	Toyota Camry LE	• 50,000/100,000 Liability • Comp / Collision
Indianapolis, IN	Ina, 52	Nationwide	$157	Dodge Charger SXT	• 50,000/100,000 Liability • Comp / Collision
Brownsburg, IN	Donald, 26	Safeco	$159	Jeep Compass Latitude	• State Minimum Liability • Comp / Collision
Indianapolis, IN	Lillian, 63	Travelers	$118	Jeep Cherokee Latitude	• 100,000/300,000 Liability • Comp / Collision
Anderson, IN	Isabella, 45	Clearcover	$136	Ford Escape SE	• State Minimum Liability • Comp / Collision
Hammond, IN	Fanny, 59	Bristol West	$240	Ford Flex SEL	• State Minimum Liability
Michigan City, IN	Douglas, 45	State Auto	$178	Mazda 6 Touring	• State Minimum Liability • Comp / Collision
Vincennes, IN	Ada, 56	Gainsco	$62	KIA RIO	• State Minimum Liability
Anderson, IN	Jeffrey, 26	Electric	$155	Chevrolet Malibu 1LT	• State Minimum Liability • Comp / Collision
La Porte, IN	Paul, 40	Assurance America	$184	Ford Escape Active	• State Minimum Liability • Comp / Collision
Lebanon, IN	Hilda, 26	Trexis	$67	Chevrolet Trax LS	• State Minimum Liability

Last Updated Nov 26, 2024

How 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 of

car 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.

Learn more

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.