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
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Clearcover | $173 | Myrtle, 60, Valparaiso, IN | Nissan Kicks S | State Minimum | Yes |
| Progressive | $86 | Seth, 20, Taylorsville, IN | Volkswagen Jetta S | State Minimum | Yes |
| National General | $269 | Josephine, 58, Fort Wayne, IN | Jeep Wrangler Unlimited S | 50/100 | Yes |
| Trexis | $83 | Ida, 26, Salem, IN | Chevrolet Impala | State Minimum | No |
| Trexis | $45 | Billy, 56, Franklin, IN | Dodge Intrepid Es | State Minimum | No |
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: |
|---|---|---|---|
| Safeco | November 7, 2024 | 3 | “There rates for my age are to high to afford every month they need cheaper rates” -Charlie |
| Infinity | November 4, 2024 | 3 | “Not a fan of this insurance provider “ -Ray |
| Bristol West | November 3, 2024 | 3 | “Great for that as long as customer service isn’t required” -Cory |
| Bristol West | November 1, 2024 | 4 | “While I haven’t had them long, they are cheap (full coverage) and there is very little hassle as everything can be.” -Nicholas |
| State Farm | October 26, 2024 | 5 | “Love them!” -Bessie |
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.
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.
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
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| State Minimum | Yes | Clearcover | $173 | Myrtle, 60, Valparaiso, IN | Nissan Kicks S |
| State Minimum | Yes | Progressive | $86 | Seth, 20, Taylorsville, IN | Volkswagen Jetta S |
| 50/100 | Yes | National General | $269 | Josephine, 58, Fort Wayne, IN | Jeep Wrangler Unlimited S |
| State Minimum | No | Trexis | $83 | Ida, 26, Salem, IN | Chevrolet Impala |
| State Minimum | No | Trexis | $45 | Billy, 56, Franklin, IN | Dodge Intrepid Es |
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 $104 per month—that’s yearly. And getting full-coverage insurance in Indiana will cost around $1,674 each year or $140 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 $104 per month. Full coverage policies, on the other hand, start at $140 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!
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.
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
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Speeding Violation-Major | Assurance America | $185 | Helena, 28, Paris Crossing, IN | State Minimum | Yes |
| Speeding Violation-Minor | Electric | $181 | Eric, 32, Indianapolis, IN | State Minimum | Yes |
| Speeding Violation-Minor | Trexis | $159 | Anthony, 50, Terre Haute, IN | State Minimum | No |
| Speeding Violation-Minor | Progressive | $151 | Lily, 34, Indianapolis, IN | State Minimum | Yes |
| Speeding Violation-Major | Progressive | $64 | Christian, 23, Noblesville, IN | 100/300 | Yes |
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.
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
|
Has Full Coverage
|
|---|---|---|---|---|---|
| At Fault With No Injury | Progressive | $202 | Lola, 28, Evansville, IN | State Minimum | Yes |
| At Fault With No Injury | Trexis | $51 | Danny, 44, Richmond, IN | State Minimum | No |
| At Fault With No Injury | National General | $159 | Elmer, 22, Dayton, IN | State Minimum | No |
| Not At Fault | Progressive | $120 | Mike, 27, Westfield, IN | State Minimum | No |
| At Fault With No Injury | Trexis | $159 | Adam, 35, Indianapolis, IN | State Minimum | No |
FAQ
-
Is Indiana a no-fault state?
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
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Other Minor | Trexis | $143 | Susan, 28, Merrillville, IN | State Minimum | No |
| Other Minor | Progressive | $150 | Alice, 49, Evansville, IN | State Minimum | Yes |
| Other Minor | Bristol West | $177 | Betty, 39, Michigan City, IN | State Minimum | No |
| Suspension | Electric | $191 | Max, 41, Fort Wayne, IN | State Minimum | No |
| Operating Vehicle without Permission | The General | $362 | Corey, 30, Wakarusa, IN | State Minimum | Yes |
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.
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
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| 550-659 | Clearcover | $173 | Myrtle, 60, Valparaiso, IN | Nissan Kicks S | State Minimum | Yes |
| 660-750 | Progressive | $86 | Seth, 20, Taylorsville, IN | Volkswagen Jetta S | State Minimum | Yes |
| <550 | National General | $269 | Josephine, 58, Fort Wayne, IN | Jeep Wrangler Unlimited S | 50/100 | Yes |
| <550 | Trexis | $45 | Billy, 56, Franklin, IN | Dodge Intrepid Es | State Minimum | No |
| 550-659 | National General | $243 | Bruce, 34, Columbia City, IN | Nissan Sentra S | State Minimum | Yes |
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.
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.
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
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Jeep Wrangler Unlimited S | National General | $269 | Josephine, 58, Fort Wayne, IN | 50/100 | Yes |
| Toyota Camry Le | Trexis | $143 | Susan, 28, Merrillville, IN | State Minimum | No |
| Toyota Camry Le | Progressive | $151 | Lily, 34, Indianapolis, IN | State Minimum | Yes |
| Honda Civic Lx | Progressive | $64 | Christian, 23, Noblesville, IN | 100/300 | Yes |
| Toyota Camry Ce | Trexis | $57 | Marc, 33, Indianapolis, IN | State Minimum | No |
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 $1,370 per year.
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
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Valparaiso, IN | Myrtle | Clearcover | $173 | Nissan Kicks S | State Minimum | Yes |
| Taylorsville, IN | Seth | Progressive | $86 | Volkswagen Jetta S | State Minimum | Yes |
| Fort Wayne, IN | Josephine | National General | $269 | Jeep Wrangler Unlimited S | 50/100 | Yes |
| Salem, IN | Ida | Trexis | $83 | Chevrolet Impala | State Minimum | No |
| Franklin, IN | Billy | Trexis | $45 | Dodge Intrepid Es | State Minimum | No |
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
FAQ
-
How much is car insurance in Indiana?
-
Do you need insurance to register a car in Indiana?
-
Can you get car insurance without a license in Indiana?
-
Does insurance follow the car or the driver in Indiana?
-
Is car insurance required in Indiana?
-
How long can you drive without insurance after buying a car in Indiana?
-
What is the cheapest car insurance in Indiana?
-
Licensed Insurance Agent
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 is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from 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.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
