Cheapest Car Insurance in Indiana (2024)
Drivers in Indiana pay $564 a year for minimum-coverage car insurance and $1,547 a year for a full-coverage policy, on average.
Cheapest Indiana liability-only coverage
Liability-only car insurance policies, also known as minimum coverage, are generally cheaper in Indiana compared to national rates. Liability-only policies in Indiana cost $564 a year, on average.
USAA and American Family offer the state’s cheapest rates for minimum coverage at $268 and $460 a year, respectively.
Cheapest liability-only coverage by company
| Company | Average annual rate | LendingTree Score |
|---|---|---|
| USAA* | $268 | 4.1  |
| American Family | $460 | 4.1 |
| State Farm | $492 | 4.5  |
| Progressive | $516 | 3.8 |
| Travelers | $546 | 4.4 |
| Geico | $645 | 3.7  |
| Allstate | $1,018 | 3.2  |
*USAA is only offered to military members and veterans along with their families
Liability coverage only covers injuries and property damage that you cause in a car accident. It won’t cover your own vehicle damage or injuries.
Cheapest full-coverage car insurance in Indiana
A full-coverage car insurance policy in Indiana costs $1,547 a year, on average. A full-coverage policy includes liability coverage as well as protection for your own vehicle if it’s damaged.
USAA and Travelers offer Indiana’s cheapest full-coverage rates at $839 and $1,335 a year, respectively.
Cheapest full coverage by company
| Company | Average annual rate |
|---|---|
| USAA | $839 |
| Travelers | $1,335 |
| State Farm | $1,373 |
| American Family | $1,475 |
| Geico | $1,639 |
| Progressive | $1,898 |
| Allstate | $2,269 |
Cheapest car insurance rates for young drivers in Indiana
The average 18-year-old driver pays more than double the amount for a full-coverage car insurance policy than a 30-year-old does. The average rate for a full-coverage policy for an 18-year-old is $4,146 a year in Indiana.
The cheapest car insurance companies for young drivers in Indiana are USAA and Geico.
Cheapest companies for an 18-year-old driver
| Company | Minimum coverage | Full coverage |
|---|---|---|
| USAA | $534 | $1,582 |
| Geico | $1,510 | $3,840 |
| Progressive | $1,572 | $4,906 |
| Travelers | $1,627 | $3,805 |
| State Farm | $1,692 | $4,226 |
| American Family | $1,874 | $5,318 |
| Allstate | $2,450 | $4,531 |
Cheapest rates after a speeding ticket in Indiana
When the time comes to renew your car insurance policy, your rates may go up if you receive a speeding ticket. Drivers with a speeding ticket will pay $1,801 a year for car insurance, on average, which is about $300 more than someone with a clean record.
Rates for drivers with a speeding ticket vs. clean record
| Company | Full coverage with a ticket | Full coverage with a clean record |
|---|---|---|
| USAA | $1,054 | $839 |
| State Farm | $1,483 | $1,373 |
| Travelers | $1,678 | $1,335 |
| American Family | $1,687 | $1,475 |
| Geico | $1,887 | $1,639 |
| Progressive | $2,416 | $1,898 |
| Allstate | $2,915 | $2,269 |
Cheapest rates after an accident in Indiana
Some companies will raise your car insurance rates a lot if you cause an accident. USAA, State Farm and Travelers may offer the lowest rates to Indiana drivers in this situation, though. All charge these drivers less than $2,000 a year for a full-coverage policy.
Rates for drivers with an accident vs. clean record
| Company | Full coverage with an accident | Full coverage with a clean record |
|---|---|---|
| USAA | $1,205 | $839 |
| State Farm | $1,660 | $1,373 |
| Travelers | $1,854 | $1,335 |
| American Family | $2,526 | $1,475 |
| Geico | $2,533 | $1,639 |
| Progressive | $2,683 | $1,898 |
| Allstate | $3,723 | $2,269 |
Best car insurance rates after a DUI in Indiana
Indiana drivers with a DUI pay $2,475 a year for car insurance, on average, which is about $1,000 more than someone with a clean record.
Progressive raises rates the least after a DUI of the companies we surveyed. Its average rate increase after a DUI is a little over $250 a year. With USAA, Travelers and Progressive, you may be able to pay less than $2,200 a year for a full-coverage policy with a DUI on your record.
| Company | Full coverage with a DUI | Full coverage with a clean record |
|---|---|---|
| USAA | $1,301 | $839 |
| Travelers | $1,942 | $1,335 |
| Progressive | $2,160 | $1,898 |
| State Farm | $2,508 | $1,373 |
| American Family | $2,806 | $1,475 |
| Allstate | $2,939 | $2,269 |
| Geico | $2,990 | $1,639 |
Indiana car insurance rates by city
Your car insurance rate can vary based on the city you call home. Among Indiana’ largest cities, Lafayette offers the cheapest average rate at $1,380 a year. Gary has the most expensive at $2,162 a year, on average.
| City | Full coverage with a clean record |
|---|---|
| Indianapolis | $1,674 |
| Fort Wayne | $1,485 |
| Evansville | $1,590 |
| South Bend | $1,496 |
| Carmel | $1,442 |
| Fishers | $1,479 |
| Bloomington | $1,493 |
| Hammond | $2,038 |
| Lafayette | $1,380 |
| Noblesville | $1,445 |
| Gary | $2,162 |
| Muncie | $1,409 |
| Greenwood | $1,510 |
| Kokomo | $1,478 |
| Terre Haute | $1,588 |
| Anderson | $1,469 |
| Elkhart | $1,432 |
| Mishawaka | $1,464 |
| Columbus | $1,436 |
| Jeffersonville | $1,603 |
Car insurance laws in Indiana
Indiana residents must have at least a minimum amount of liability car insurance coverage. To drive legally, you need:
- $25,000 per person for injuries or death and $50,000 for injuries or death of two or more people in a single accident
- $25,000 for property damage in a single accident
You also need to have similar amounts of uninsured and underinsured motorist coverage unless you reject it in writing.
Uninsured motorists:
- $25,000 per person for injuries and $50,000 per accident
- $25,000 for property damage in a single accident
Underinsured motorists: $50,000
Methodology
LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates shown in this article are based on an analysis of car insurance quotes for sample drivers. Your rates may vary.
Unless stated otherwise, we used thousands of car insurance quotes from across Indiana for a 30-year-old man with good credit and no tickets, accidents or DUIs driving a 2015 Honda Civic EX.
For full-coverage policies, the following coverage limits were used:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: Minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
LendingTree rated insurance companies based on an assessment of each of their average rates, NAIC Complaint Index scores, discounts, coverages, financial strength ratings, along with their app and website experience. These categories were then weighted based on importance:
- Cost: 40%
- NAIC Complaint Index score: 30%
- Discounts: 10%
- Coverages: 10%
- A.M. Best financial strength rating: 5% ?
- Web and app usability: 5%