Key Takeaways
- Indiana has a minimum liability coverage of $25,000/$50,000/$25,000.
- Drivers aged 55-64 pay the lowest rates in Indiana.
Shopping around for auto insurance in Indiana can be complicated, but cheap rates are also more within reach than in other states. The Hoosier State has some of the lowest premiums for auto insurance in the U.S.
Drivers can find lower premiums in Indiana because it’s a fault state, meaning plans must cover medical expenses regardless of who is found at fault for an accident, and because it has good road conditions compared to other states.
Minimum liability is around $1,270 annually and the average full coverage insurance cost in Indiana is $2,704 per year this comes out to around 40-43% lower than the national averages.
Minimum liability vs. additional coverage in Indiana
Indiana law requires drivers have a minimum liability coverage of:
- $25,000 per person for bodily injury per accident.
- $50,000 per accident for bodily injury.
- $25,000 for property damage per accident.
In a covered event where you are found at fault in a car accident, minimum coverage helps pay for the cost to repair another person’s car or property damage. It also helps pay for bodily injuries when you’re legally responsible, up until the policy’s maximum.
Keep in mind that minimum coverage does not pay for any damage done to you or your car — it only covers damages and injuries to the other driver that were caused by you. You’ll still need collision and comprehensive coverage for other types of financial protection.
Cheapest minimum coverage insurance in Indiana
Check out Jerry’s data based on quotes for minimum coverage in Indiana from a number of insurance companies that we work with:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $82 | $980 |
| Trexis | $83 | $994 |
| Commonwealth Insurance | $88 | $1,055 |
| Progressive | $93 | $1,119 |
| National General | $102 | $1,221 |
| Assurance America | $104 | $1,252 |
| Electric | $112 | $1,344 |
| AAA | $118 | $1,413 |
| Gainsco | $118 | $1,413 |
| Clearcover | $129 | $1,552 |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
Cheapest full coverage insurance in Indiana
Prices for full coverage in Indiana can vary quite a bit depending on insurer. Take a look at the range of prices below received by Jerry customers:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $125 | $1,502 |
| Progressive | $165 | $1,977 |
| Safeco | $189 | $2,273 |
| Assurance America | $206 | $2,473 |
| Clearcover | $216 | $2,590 |
| Mendota | $219 | $2,629 |
| National General | $222 | $2,667 |
| Root | $233 | $2,792 |
| Dairyland | $250 | $2,998 |
| AAA | $254 | $3,045 |
Cheapest car insurance for young drivers in Indiana
Like all young drivers in the United States, insurance rates in Indiana remain elevated but slowly become cheaper as a teen gets into their early 20s.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $266 | $3,197 |
| 21-24 | $243 | $2,918 |
Cheapest liability-only policy in Indiana for a 20 year old
Our data shows that 20-year-old drivers in Indiana can get lower rates by buying a liability-only policy which is priced between $100-$200 per month.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Safeco | 20 | $72 | $868 |
| Trexis | 20 | $117 | $1,403 |
| National General | 20 | $120 | $1,444 |
| Progressive | 20 | $164 | $1,972 |
| Electric | 20 | $179 | $2,143 |
Cheapest full coverage policy in Indiana for a 20 year old
Here are the cheapest rates for a 20-year-old Indiana for full coverage that were quoted for Jerry customers:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Safeco | 20 | $271 | $3,254 |
| Progressive | 20 | $272 | $3,261 |
| Trexis | 20 | $357 | $4,280 |
| Electric | 20 | $405 | $4,864 |
| Assurance America | 20 | $427 | $5,122 |
| National General | 20 | $464 | $5,573 |
| The General | 20 | $504 | $6,045 |
| Bristol West | 20 | $628 | $7,540 |
Average car insurance for mature drivers in Indiana (25-54 years old)
Auto insurance rates in Indiana continue to drop as drivers get older, as you can see from our data below:
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $195 | $2,336 |
| 35-44 | $169 | $2,034 |
| 45-54 | $153 | $1,838 |
Cheapest liability-only policy in Indiana for a 36 year old
The average Jerry customer is 36 years old. Check out how much a 36-year-old Indiana driver could pay for a liability-only policy:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Safeco | 36 | $138 | $1,651 |
| Progressive | 36 | $154 | $1,847 |
| Trexis | 36 | $163 | $1,956 |
| Assurance America | 36 | $169 | $2,024 |
| National General | 36 | $175 | $2,100 |
Cheapest full coverage policy in Indiana for a 36 year old
Check out the cheapest rate for a 36-year-old in Indiana who needs full coverage:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Safeco | 36 | $160 | $1,915 |
| Progressive | 36 | $183 | $2,199 |
| National General | 36 | $207 | $2,488 |
| Assurance America | 36 | $208 | $2,493 |
| Mendota | 36 | $219 | $2,629 |
| AAA | 36 | $272 | $3,265 |
| Trexis | 36 | $275 | $3,304 |
| Bristol West | 36 | $278 | $3,340 |
| Dairyland | 36 | $291 | $3,494 |
| The General | 36 | $297 | $3,568 |
Average car insurance for older drivers (55+ years old)
Drivers in Indiana aged 55-64 have the lowest average monthly quotes, but that starts rising as one gets into the over-65 age group.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $137 | $1,646 |
| 65+ | $132 | $1,580 |
Cheapest liability-only policy in Indiana for a 65 year old
Here are some rates for a liability-only policy in Indiana for a 65 year old.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | 65 | $48 | $579 |
| Trexis | 65 | $54 | $645 |
| Assurance America | 65 | $59 | $705 |
| Safeco | 65 | $69 | $829 |
| Bristol West | 65 | $70 | $842 |
Cheapest full coverage policy in Indiana for a 65 year old
Here are the cheapest rates Jerry customers were quoted for a 65-year-old in Indiana for full coverage:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | 65 | $97 | $1,160 |
| National General | 65 | $141 | $1,697 |
| Assurance America | 65 | $160 | $1,918 |
| Safeco | 65 | $166 | $1,988 |
| Trexis | 65 | $173 | $2,074 |
| Root | 65 | $174 | $2,084 |
| Bristol West | 65 | $183 | $2,190 |
| Electric | 65 | $262 | $3,139 |
| Gainsco | 65 | $284 | $3,404 |
| The General | 65 | $289 | $3,463 |
Average car insurance for drivers with clean records in Indiana
If you have no violations or claims, here’s the average monthly quote in Indiana from companies Jerry works with:
|
Avg Monthly Quote
|
Avg Annual Quote
|
State
|
|---|---|---|
| $155 | $1,864 | IN |
Check out the insurers in Indiana who can give you the lowest prices if you have no claims or violations:
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
State
|
|---|---|---|---|
| $118 | $1,412 | Progressive | IN |
| $127 | $1,525 | Trexis | IN |
| $150 | $1,795 | Safeco | IN |
| $150 | $1,797 | Assurance America | IN |
| $153 | $1,836 | National General | IN |
| $169 | $2,028 | Mercury | IN |
| $173 | $2,071 | Clearcover | IN |
| $178 | $2,139 | Gainsco | IN |
| $194 | $2,330 | Embark General | IN |
| $212 | $2,539 | The General | IN |
Cheapest car insurance for drivers with low credit scores in Indiana
If you have a low credit score of less than 550, you can often get the best rates with these companies:
|
Insurance Company
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Commonwealth Insurance | <550 | $88 | $1,055 |
| Progressive | <550 | $148 | $1,782 |
| Safeco | <550 | $159 | $1,904 |
| Assurance America | <550 | $166 | $1,996 |
| National General | <550 | $168 | $2,020 |
Cheapest car insurance for drivers with at-fault accidents in Indiana
A clean record is prized by insurers, and hence the lowest rates go to drivers with no accidents. You should expect price increases as the severity of the accident increases:
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| $162 | $1,948 | |
| Not At Fault | $202 | $2,420 |
| At Fault With No Injury | $222 | $2,665 |
| At Fault With Injury | $202 | $2,421 |
Cheapest car insurance for drivers with at-fault accidents with no injury in Indiana
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Commonwealth Insurance | At Fault With No Injury | $125 | $1,502 |
| Progressive | At Fault With No Injury | $169 | $2,029 |
| Assurance America | At Fault With No Injury | $193 | $2,312 |
| Safeco | At Fault With No Injury | $195 | $2,343 |
| National General | At Fault With No Injury | $204 | $2,443 |
Cheapest car insurance for drivers with speeding tickets in Indiana
Getting a speeding ticket can be expensive. In Indiana, drivers with a more severe speeding ticket will pay more for their auto insurance:
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Speeding over 15 | $243 | $2,911 |
| Speeding under 15 | $194 | $2,329 |
Even if you have a speeding ticket on your record, you can shop around for the best rates in Indiana with these insurers:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Embark General | $111 | $1,332 |
| Commonwealth Insurance | $159 | $1,914 |
| Safeco | $167 | $1,999 |
| Progressive | $169 | $2,025 |
| National General | $194 | $2,324 |
| Assurance America | $208 | $2,496 |
| Dairyland | $209 | $2,503 |
| Root | $223 | $2,675 |
| Electric | $225 | $2,706 |
| Trexis | $236 | $2,830 |
Cheapest car insurance for drivers with a DUI in Indiana
Getting a DUI on your record in Indiana will cost you hundreds of dollars annually just on your car insurance premium, as you can see by comparing a driver with no violations versus one with a DUI:
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| DUI | $189 | $2,269 |
| $171 | $2,052 |
Just like a speeding ticket, shopping around for quotes with a DUI record can help you get the best rates. Take a look at how prices differ from insurer to insurer in Indiana:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $137 | $1,645 |
| Progressive | $145 | $1,744 |
| Trexis | $145 | $1,744 |
| Electric | $168 | $2,017 |
| National General | $186 | $2,228 |
| Assurance America | $193 | $2,311 |
| Root | $195 | $2,342 |
| Bristol West | $215 | $2,580 |
| Gainsco | $267 | $3,205 |
| The General | $299 | $3,589 |
Average car insurance for drivers with other violations in Indiana
Violations will often increase your insurance rates based on the violations that the driver has:
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $142 | $1,703 |
| Cell Phone | $157 | $1,886 |
| Driving on Sus. License | $176 | $2,108 |
| Failure to Obey Traffic Sign | $258 | $3,094 |
| Illegal Turn | $170 | $2,039 |
| Improper Passing | $168 | $2,015 |
| Leaving scene of an Accident/Hit and Run | $296 | $3,546 |
| Other | $224 | $2,692 |
| Passing School Bus | $286 | $3,434 |
| Racing/Drag Racing | $295 | $3,542 |
| Seat Belt | $192 | $2,303 |
| Suspension | $186 | $2,227 |
| Wrong Way/Wrong Lane | $103 | $1,240 |
What are collision and comprehensive coverage?
Collision coverage helps pay for the damage caused to you or your car by another vehicle in a collision. A deductible may apply.
Comprehensive coverage helps pay for damages caused by covered events that don’t involve a collision with another vehicle such as hail, wind, fire or theft. In Indiana, this coverage may help pay for damage caused by hitting an animal with your car. Comprehensive claims are also likely subject to a deductible.
Additional coverage you could add to a policy includes towing, car rentals and 24-hour roadside assistance. The rates for these additional types of car insurance varies.
Do you need more than minimum coverage in Indiana?
While full coverage isn’t required by law in Indiana, it’s typically required if you’re financing or leasing a car. But it can be beneficial to have more than just the minimum coverage so that you can have better financial protection in case you cause or fall victim to an accident. You don’t want to leave yourself vulnerable to paying for costly repairs or legal defense in case someone files a claim against you.
Factors that determine your car insurance premium
Rates vary from driver to driver in Indiana. The cost of your premium will depend on a number of factors like:
- Driving record and history.
- Number of claims you’ve filed.
- Age and gender.
- Marital status.
- Where you live.
- The make and model of the vehicle you drive.
- Deductibles.
- Policy maximums.
- Credit score.
Does Indiana require no-fault insurance?
Indiana does not require no-fault insurance, which is one reason why Hoosier drivers enjoy lower rates than most of the rest of the country. Also called Personal Injury Protection (PIP), this coverage tends to be more costly because these plans cover medical expenses and loss of income for injured passengers despite who is found at fault in an accident.
Tips for lowering your car insurance in Indiana
A good rule of thumb is to shop for a new policy a few times a year to find the best rate for your situation. You can also:
- Look into getting discounts by paying your premiums in full or bundling your plan.
- Take a course to learn strategies that help prevent accidents.
- Sign up for a safe driving program by installing a tracking device in your car or smartphone.
- Work towards raising your credit score.
- Look for policies that have higher deductibles to save on your premiums.
Once you decide how much coverage you need, it’s time to shop around — which can be super time consuming on your own.
Alternatively, you can save time — and potentially money — by using Jerry, America’s first AllCar™ app. Jerry is a licensed broker that compares car insurance policies. With PriceProtect™, you can compare car insurance quotes from more than 50 top insurance companies. Jerry will also automatically alert you when better rates are available so you know that you’re always getting the best rate.
FAQ
-
What is the cheapest car insurance in Indiana?
-
What is the cheapest full coverage car insurance in Indiana?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
