Cheapest Car Insurance in Indiana (Oct 2024)

Charles (24 years old)

Coverage

State Minimum

Plainfield, IN

KIA Seltos S

$144

per month

Jeff (30 years old)

Coverage

State Minimum

Honda Civic SI

$93

per month

Lower my car insurance too!

Ernest (24 years old)

Coverage

State Minimum

Lafayette, IN

Jeep Grand Cherokee Laredo

$86

per month

Clearcover

Dominic (38 years old)

Coverage

State Minimum

Evansville, IN

Dodge Caliber

$104

per month

Gainsco

Polly (31 years old)

Coverage

State Minimum

Logansport, IN

Mitsubishi Lancer ES

$129

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

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	$73	Lida, 34 Mishawaka, IN	Toyota Highlander XLE
• State Minimum Liability • Comp / Collision	AAA	$204	Luis, 24 Indianapolis, IN	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 Indianapolis, IN	Jeep Cherokee Latitude
• State Minimum Liability • Comp / Collision	Bristol West	$117	Manuel, 61 Gary, IN	Hyundai Sonata Limited

Last Updated Oct 8, 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	Theodore, 44 Churubusco, IN	• State Minimum Liability
Speeding 6-10	Nationwide	$98	Allie, 44 Bloomington, IN	• 50,000/100,000 Liability • Comp / Collision
Speeding 11-15	Safeco	$61	Alvin, 31 Franklin, IN	• State Minimum Liability
Speeding 16-20	AAA	$103	Susie, 29 Franklin, IN	• State Minimum Liability • Comp / Collision
Speeding 21+	Bristol West	$100	Frederick, 30 Merrillville, IN	• State Minimum Liability

Last Updated Oct 7, 2024

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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

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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.

Maude (30 years old)

DUI

Coverage

State Minimum

Franklin, IN

Honda Odyssey

$77

per month

Allstate

Arthur (37 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Monticello, IN

Chrysler 300

$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 Evansville, IN	• 100,000/300,000 Liability
At Fault With No Injury	Safeco	$217	Francis, 34 Greenfield, IN	• 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 Brazil, IN	• State Minimum Liability

Last Updated Oct 3, 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	Kevin, 29 Portage, IN	Mitsubishi Outlander SE	• 50,000/100,000 Liability • Comp / Collision
Cell Phone	Safeco	$192	Pearl, 37 Indianapolis, IN	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 Indianapolis, IN	Dodge Caliber SXT	• 50,000/100,000 Liability • Comp / Collision
DUI	AAA	$189	Brian, 33 Indianapolis, IN	Cadillac Escalade ESV Luxury	• State Minimum Liability • Comp / Collision
Eluding Police	Clearcover	$94	Maurice, 23 Indianapolis, IN	Volkswagen Jetta SE	• State Minimum Liability • Comp / Collision
Failure To Observe A Safety Zone	National General	$106	Jason, 43 Indianapolis, IN	Chevrolet Colorado	• State Minimum Liability
Illegal Turn	Plymouth Rock	$129	Carlos, 31 Carmel, IN	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 Kokomo, IN	Ford Focus ST	• State Minimum Liability
Open Container	Gainsco	$70	Mason, 24 Goshen, IN	Toyota Corolla LE	• State Minimum Liability
Passing School Bus	Assurance America	$64	Annie, 51 Muncie, IN	KIA RIO LX	• State Minimum Liability
Seat Belt	State Auto	$134	Mina, 59 Indianapolis, IN	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 Lawrenceburg, IN	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 Indianapolis, IN	Nissan Altima SR	• 50,000/100,000 Liability • Comp / Collision

Last Updated Oct 9, 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

Willie (24 years old)

Currently Insured

Coverage

State Minimum

Shelbyville, IN

KIA Sportage LX

$101

per month

Joel (39 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Dodge Charger SXT

$119

per month

Ronald (62 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Jeep Cherokee Latitude

$118

per month

Chester (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

Steve (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

Sean (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	Ronald, 31 Bluffton, IN	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 Schererville, IN	Chrysler 300 Touring	• 50,000/100,000 Liability • Comp / Collision
< 550	AAA	$351	Thomas, 27 Indianapolis, IN	Ford Escape Limited	• 50,000/100,000 Liability • Comp / Collision

Last Updated Oct 8, 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.

Birdie (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Westfield, IN

Infiniti Q50

$183

per month

Nathan (21 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Nissan Altima S

$284

per month

Mercury

Richard (22 years old)

Coverage

State Minimum

Gary, IN

KIA Optima SX

$258

per month

Bristol West

Rosetta (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Fort Wayne, IN

Ford Focus SE

$259

per month

Clearcover

Dollie (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

New Albany, IN

Mercury Milan Premier

$98

per month

Gainsco

Pauline (24 years old)

Coverage

State Minimum

Brazil, IN

Chevrolet Malibu LS

$359

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

Wayne (67 years old)

Coverage

State Minimum

Greenwood, IN

Honda Accord Sport Special

$137

per month

Safeco

Nannie (70 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Lafayette, IN

Chevrolet Trax 1LT

$192

per month

Brett (65 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Logansport, IN

Ford Fiesta SE

$178

per month

Phillip (72 years old)

Coverage

State Minimum

New Albany, IN

Fiat 500 Sport

$167

per month

Clearcover

Ronald (74 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

car insurance estimates before buying a car

Mitsubishi Outlander Sport SE

$73

per month

State Auto

Nell (65 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Washington, IN

Jeep Liberty Limited

$65

per month

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Great deal for full coverage insurance!

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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

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 Lawrenceburg, IN	• 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 Greencastle, IN	• 50,000/100,000 Liability • Comp / Collision

Last Updated Oct 9, 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.

Florence (26 years old)

2003 Toyota Camry LE

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Lawrenceburg, IN

$86

per month

Safeco

Jim (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

Shane (26 years old)

2005 Saturn Relay 2

Coverage

State Minimum

Markleville, IN

$75

per month

Allen (27 years old)

2004 Mercedes-Benz C 240

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Jeffersonville, IN

$234

per month

State Auto

Adelaide (34 years old)

1998 Jeep Cherokee Sport

Coverage

State Minimum

Richmond, IN

$61

per month

Bristol West

Victoria (32 years old)

2000 Chevrolet Blazer

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision