Best Indiana Homeowners Insurance for 2026
Allstate tops our list for best homeowners insurance in Indiana, with the cheapest premiums and features that help keep rates low
- The best homeowners insurance company in Indiana is Allstate, thanks to its low rates and added policy features like claim forgiveness and a claim-free discount.
- The average cost of homeowners insurance in Indiana is $2,940 a year, which is 12% higher than the national average.
- Homeowners insurance rates have been on the rise in Indiana since at least 2021. Between 2024 and 2025, premiums increased by about 4%.
Best homeowners insurance in Indiana
The best homeowners insurance in Indiana comes from Allstate. It offers the cheapest policies plus optional features that can help you save even more. Cincinnati is best for customer service, while State Farm is our top choice if you’re looking to bundle home and auto.
Best overall: Allstate
Average annual rate: $1,105
Why we chose it: Allstate offers the cheapest homeowners insurance rates in Indiana. Their average rate of $1,105 is 62% lower than the state average. Also their selection of extras is stronger than most carriers, and includes things like water backup coverage. You have the option to add claim forgiveness through their Claim RateGuard, and get money back on your premium through their Deductible Rewards program, provided you stay claim-free.
Who it’s best for: Homeowners who are looking for low premiums without sacrificing coverage options.
Pros
- Lowest average annual rate in the state
- Protection from rate increases after first claim
- Extra coverages available for yard, business items and more
Cons
- More customer complaints than average
- High car insurance rates in Indiana (if planning on bundling)
Best for bundling: State Farm
Average annual rate: $1,643
Why we chose it: State Farm’s homeowners insurance rates are 44% lower than the Indiana average, not including potential discounts. That makes State Farm the second-cheapest home insurance company in Indiana, behind Allstate. If you’re looking to bundle, State Farm’s car insurance rates are lower-than-average in Indiana, too. So with the discount you get for bundling, that may make it the best deal for you.
Who it’s best for: Homeowners who want to bundle their home and car insurance.
Pros
- Cheap home insurance
- Cheap car insurance
- Lots of coverage options
Cons
- More NAIC complaints than average
- Fewer discounts than some other companies
Best for customer service: Cincinnati
Average annual rate: $1,911
Why we chose it: Cincinnati gets significantly fewer complaints than other companies its size, according to the National Association of Insurance Commissioners (NAIC)
Who it’s best for: Homeowners willing to pay more for better service.
Pros
-
Very low NAIC complaint rating score
Lower is better, 1.0 is average.
- Deals on water shut-off devices available
Cons
- Not the cheapest option
- Not as many add-ons available
- Must speak with an agent to get a quote
Compare home insurance rates and ratings in Indiana
Homeowners insurance rates are important, but you should consider more than just price. If a company doesn’t offer the customer service or coverage options you’re looking for, then any possible savings may not be worth it.
| Company | Annual rate* | LendingTree score | Complaint rating* | |
|---|---|---|---|---|
| Allstate | $1,105 | | 1.2 |
| State Farm | $1,643 | | 1.4 |
| Cincinnati | $1,911 | | 0.2 |
 | Progressive | $2,584 |  | 1.8 |
 | Farmers | $2,730 | | 0.7 |
 | Nationwide | $3,710 | | 1.2 |
 | American Family | $3,720 | | 0.4 |
 | Farm Bureau | $3,728 | | 0.6 |
 | Erie | $3,952 | | 0.5 |
 | USAA | $2,060 | | 0.5 |
LendingTree analyzed thousands of quotes from top insurers across Indiana to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in Indiana?
The average cost of home insurance in Indiana is $2,940, which is 12% higher than the national average of $2,628.
Indiana’s higher homeowners insurance premiums are partly due to its increasingly severe and unpredictable weather — including two tropical cyclones and several flooding events in 2025 alone.
In Indiana, rates can vary significantly between insurers. Comparing quotes from multiple homeowners insurance companies can help you find better pricing and coverage.
Average home insurance rates by dwelling coverage amount
Dwelling coverage is the amount you need when repairing or rebuilding your entire home after a covered loss. You might also see it called Coverage A on your homeowners insurance quote.
The amount of dwelling coverage you should get depends on how much it would cost to rebuild your home at today’s construction prices. Most companies offer replacement cost calculators during the quote process to help you figure that out.
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| Allstate | $953 | $1,105 | $1,387 | $1,760 |
| State Farm | $1,405 | $1,643 | $2,090 | $2,572 |
| Cincinnati | $1,539 | $1,911 | $2,332 | $2,925 |
| State average | $2,359 | $2,940 | $3,775 | $4,832 |
Home insurance rates in Indiana by city
Where you live within Indiana also affects how much you pay for home coverage. Insurance rates are based on risk, so if you live in an area that experiences more severe weather or higher rates of theft, then your rates may be higher than in other locations.
Residents of Gary pay the highest homeowners premiums in Indiana on average, at $3,474 a year. The cheapest homeowners insurance is found in Shipshewana, where homeowners pay an average of $2,450.
Gary’s high home insurance rates are likely due in part to its increased risk of theft, vandalism and wildfires. Shipshewana, on the other hand, is a tiny town in rural Indiana. Its risk is generally low, and so are its premiums.
| City | Annual rate |
|---|---|
| Shipshewana | $2,450 |
| Granger | $2,471 |
| Auburn | $2,483 |
| Goshen | $2,485 |
| Arcola | $2,489 |
| Bristol | $2,489 |
| Huntertown | $2,497 |
| Angola | $2,498 |
| Middlebury | $2,498 |
| Garrett | $2,503 |
| Simonton Lake | $2,504 |
| Fremont | $2,507 |
| Elkhart | $2,509 |
| Altona | $2,510 |
| Leo-Cedarville | $2,512 |
| Grabill | $2,514 |
| Clear Lake | $2,515 |
| Winona Lake | $2,515 |
| Roanoke | $2,516 |
| Leo | $2,518 |
| New Paris | $2,519 |
| Dunlap | $2,521 |
| Hamilton | $2,521 |
| St. Joe | $2,523 |
| Howe | $2,528 |
| Decatur | $2,529 |
| Wolcottville | $2,530 |
| Fort Wayne | $2,535 |
| Lagrange | $2,538 |
| Waterloo | $2,541 |
| Kendallville | $2,543 |
| Milford | $2,545 |
| New Haven | $2,547 |
| Ligonier | $2,548 |
| Dyer | $2,549 |
| Spencerville | $2,553 |
| Nappanee | $2,554 |
| Pleasant Lake | $2,554 |
| Harlan | $2,555 |
| Butler | $2,558 |
| Rome City | $2,558 |
| Huntington | $2,560 |
| Warsaw | $2,560 |
| Leesburg | $2,561 |
| Mishawaka | $2,562 |
| Topeka | $2,564 |
| Hudson | $2,565 |
| Millersburg | $2,567 |
| Wakarusa | $2,568 |
| Syracuse | $2,570 |
| Churubusco | $2,572 |
| Laotto | $2,573 |
| Woodburn | $2,574 |
| Osceola | $2,584 |
| Brimfield | $2,588 |
| Pleasant Mills | $2,588 |
| Stroh | $2,588 |
| Wawaka | $2,588 |
| Avilla | $2,591 |
| Bluffton | $2,591 |
| Columbia City | $2,591 |
| Berne | $2,593 |
| Tri-Lakes | $2,593 |
| Bremen | $2,596 |
| Roseland | $2,598 |
| South Milford | $2,598 |
| Orland | $2,599 |
| Wolflake | $2,602 |
| Monroeville | $2,605 |
| South Whitley | $2,606 |
| North Webster | $2,607 |
| Ashley | $2,608 |
| Plymouth | $2,608 |
| Notre Dame | $2,610 |
| Markle | $2,611 |
| Yoder | $2,615 |
| Zanesville | $2,623 |
| Atwood | $2,627 |
| Ossian | $2,627 |
| Etna Green | $2,628 |
| St. John | $2,628 |
| Corunna | $2,630 |
| Claypool | $2,634 |
| Cromwell | $2,634 |
| Monroe | $2,634 |
| Pierceton | $2,635 |
| Craigville | $2,637 |
| Larwill | $2,640 |
| Geneva | $2,641 |
| Mongo | $2,641 |
| Purdue University | $2,641 |
| Linn Grove | $2,645 |
| Uniondale | $2,645 |
| Argos | $2,646 |
| Munster | $2,647 |
| Albion | $2,648 |
| Crown Point | $2,648 |
| Montmorenci | $2,650 |
| Schererville | $2,650 |
| North Manchester | $2,652 |
| La Paz | $2,653 |
| Bippus | $2,654 |
| Tyner | $2,655 |
| Winfield | $2,656 |
| Bourbon | $2,657 |
| Donaldson | $2,658 |
| Lakeville | $2,658 |
| West Lafayette | $2,659 |
| Andrews | $2,660 |
| Hoagland | $2,663 |
| South Bend | $2,664 |
| Wyatt | $2,666 |
| Cedar Lake | $2,668 |
| New Carlisle | $2,668 |
| Shadeland | $2,672 |
| Mentone | $2,675 |
| Stockwell | $2,677 |
| Burket | $2,680 |
| Lafayette | $2,681 |
| Lake Dalecarlia | $2,683 |
| Lowell | $2,686 |
| Grissom AFB | $2,690 |
| La Porte | $2,694 |
| Americus | $2,696 |
| North Liberty | $2,699 |
| Silver Lake | $2,700 |
| Kimmell | $2,701 |
| Culver | $2,706 |
| Westville | $2,706 |
| Leroy | $2,709 |
| Peru | $2,710 |
| Kokomo | $2,713 |
| Rochester | $2,714 |
| Warren | $2,714 |
| Battle Ground | $2,716 |
| Indian Heights | $2,716 |
| Wabash | $2,716 |
| Richmond | $2,717 |
| Walkerton | $2,717 |
| Lakes Of The Four Seasons | $2,718 |
| Petroleum | $2,718 |
| Webster | $2,718 |
| Hudson Lake | $2,719 |
| Mexico | $2,726 |
| Hobart | $2,727 |
| Mill Creek | $2,728 |
| Akron | $2,729 |
| South Haven | $2,730 |
| Aberdeen | $2,731 |
| Salt Creek Commons | $2,731 |
| Shorewood Forest | $2,733 |
| Hidden Valley | $2,734 |
| Lawrenceburg | $2,737 |
| Rolling Prairie | $2,737 |
| Union Mills | $2,737 |
| Greendale | $2,738 |
| Koontz Lake | $2,738 |
| Liberty Center | $2,739 |
| Bright | $2,741 |
| Bath | $2,743 |
| Merrillville | $2,743 |
| Servia | $2,746 |
| Logansport | $2,748 |
| New Waverly | $2,748 |
| Griffith | $2,750 |
| Amboy | $2,751 |
| La Fontaine | $2,753 |
| Valparaiso | $2,753 |
| Fountain City | $2,757 |
| Roann | $2,759 |
| Denver | $2,760 |
| Fish Lake | $2,760 |
| Grass Creek | $2,761 |
| Macy | $2,762 |
| Chesterton | $2,767 |
| Williamsburg | $2,768 |
| Burns Harbor | $2,769 |
| Walton | $2,769 |
| Hebron | $2,770 |
| Porter | $2,770 |
| Trail Creek | $2,770 |
| Michigan City | $2,772 |
| Sharpsville | $2,772 |
| Long Beach | $2,773 |
| Oakford | $2,774 |
| Romney | $2,774 |
| Michiana Shores | $2,775 |
| Town of Pines | $2,775 |
| Dayton | $2,776 |
| Cambridge City | $2,779 |
| Metamora | $2,779 |
| Kouts | $2,780 |
| Athens | $2,781 |
| Fulton | $2,781 |
| Liberty Mills | $2,782 |
| Brookville | $2,783 |
| Cedar Grove | $2,783 |
| Mount Auburn | $2,783 |
| Bryant | $2,786 |
| Laketon | $2,786 |
| Poneto | $2,786 |
| Bunker Hill | $2,787 |
| Schneider | $2,788 |
| Urbana | $2,789 |
| Leiters Ford | $2,792 |
| Oldenburg | $2,800 |
| Deedsville | $2,801 |
| Chalmers | $2,802 |
| Connersville | $2,803 |
| Greentown | $2,803 |
| Delong | $2,804 |
| Ora | $2,805 |
| Somerset | $2,805 |
| Wanatah | $2,806 |
| De Motte | $2,807 |
| Roselawn | $2,807 |
| Liberty | $2,808 |
| Royal Center | $2,811 |
| Batesville | $2,812 |
| Salamonia | $2,812 |
| Keystone | $2,813 |
| New Chicago | $2,813 |
| Dunkirk | $2,815 |
| Kewanna | $2,816 |
| Kingsbury | $2,818 |
| Twelve Mile | $2,818 |
| Union City | $2,818 |
| Lucerne | $2,819 |
| Hartford City | $2,820 |
| Westpoint | $2,820 |
| Highland | $2,821 |
| Converse | $2,822 |
| Portage | $2,822 |
| Wheatfield | $2,823 |
| Winchester | $2,824 |
| Miami | $2,825 |
| Reynolds | $2,825 |
| Tipton | $2,826 |
| Young America | $2,826 |
| Hagerstown | $2,827 |
| Ogden Dunes | $2,832 |
| Lake Village | $2,834 |
| Lynn | $2,834 |
| West Middleton | $2,834 |
| Elwood | $2,836 |
| Hamlet | $2,836 |
| Sumava Resorts | $2,836 |
| Lake Cicott | $2,838 |
| Galveston | $2,839 |
| Pennville | $2,839 |
| Smithville-Sanders | $2,840 |
| Centerville | $2,841 |
| Guilford | $2,842 |
| Hemlock | $2,842 |
| Marion | $2,842 |
| Russiaville | $2,842 |
| Frankfort | $2,843 |
| Onward | $2,844 |
| Kingsford Heights | $2,845 |
| San Pierre | $2,846 |
| Grovertown | $2,847 |
| Tefft | $2,847 |
| Bentonville | $2,848 |
| Montpelier | $2,850 |
| Wolcott | $2,850 |
| Clarks Hill | $2,851 |
| Muncie | $2,851 |
| Monticello | $2,852 |
| New Trenton | $2,853 |
| Brookston | $2,854 |
| Aurora | $2,857 |
| Parker City | $2,857 |
| Saratoga | $2,857 |
| Hanna | $2,858 |
| Windfall | $2,859 |
| Talbot | $2,861 |
| Glenwood | $2,862 |
| Goldsmith | $2,862 |
| Monon | $2,863 |
| Norway | $2,864 |
| Delphi | $2,867 |
| Economy | $2,867 |
| Moores Hill | $2,869 |
| Brownsville | $2,872 |
| Eaton | $2,872 |
| La Crosse | $2,873 |
| Milton | $2,873 |
| Rockfield | $2,873 |
| Rossville | $2,873 |
| West Harrison | $2,874 |
| Yorktown | $2,876 |
| Buffalo | $2,877 |
| Gas City | $2,877 |
| Upland | $2,877 |
| Albany | $2,878 |
| Kempton | $2,879 |
| Ellettsville | $2,880 |
| North Judson | $2,881 |
| Burrows | $2,882 |
| Country Club Heights | $2,886 |
| Crawfordsville | $2,887 |
| Hope | $2,887 |
| Edgewood | $2,889 |
| Wheeler | $2,890 |
| Thayer | $2,891 |
| Knox | $2,892 |
| Hobbs | $2,893 |
| Medaryville | $2,893 |
| Templeton | $2,893 |
| Redkey | $2,894 |
| Thorntown | $2,894 |
| Bass Lake | $2,895 |
| Mount Ayr | $2,895 |
| West College Corner | $2,895 |
| Boone Grove | $2,896 |
| Greens Fork | $2,897 |
| Swayzee | $2,897 |
| Bloomington | $2,898 |
| Flora | $2,898 |
| Linden | $2,898 |
| Modoc | $2,899 |
| Carthage | $2,903 |
| Mulberry | $2,903 |
| Farmland | $2,906 |
| Whitestown | $2,906 |
| Landess | $2,907 |
| Sunman | $2,907 |
| Van Buren | $2,907 |
| Anderson | $2,908 |
| Gaston | $2,913 |
| Sedalia | $2,916 |
| Atlanta | $2,917 |
| Losantville | $2,917 |
| Unionville | $2,918 |
| Oxford | $2,919 |
| Monterey | $2,920 |
| Lake Station | $2,922 |
| Alexandria | $2,923 |
| Fairmount | $2,926 |
| Otterbein | $2,926 |
| Arcadia | $2,927 |
| Burnettsville | $2,927 |
| Dublin | $2,927 |
| Winamac | $2,927 |
| Jonesville | $2,930 |
| Portland | $2,930 |
| Zionsville | $2,930 |
| Dillsboro | $2,931 |
| Point Isabel | $2,932 |
| Burlington | $2,936 |
| Hartsville | $2,938 |
| Pendleton | $2,938 |
| Rensselaer | $2,939 |
| Rushville | $2,941 |
| Mellott | $2,944 |
| Morris | $2,944 |
| Star City | $2,944 |
| Yeoman | $2,944 |
| Beverly Shores | $2,945 |
| Carmel | $2,947 |
| New Lisbon | $2,947 |
| Bringhurst | $2,948 |
| Jonesboro | $2,949 |
| Shelbyville | $2,952 |
| Stanford | $2,952 |
| Sweetser | $2,952 |
| Goodland | $2,955 |
| Oakville | $2,955 |
| Edinburgh | $2,956 |
| Napoleon | $2,956 |
| Greensburg | $2,957 |
| Morocco | $2,957 |
| Michigantown | $2,958 |
| Remington | $2,958 |
| Lake Santee | $2,959 |
| Fowlerton | $2,962 |
| Francesville | $2,962 |
| State Line | $2,962 |
| Frankton | $2,965 |
| Smithville | $2,968 |
| Brook | $2,969 |
| Newtown | $2,970 |
| Whiting | $2,970 |
| Falmouth | $2,971 |
| Mooreland | $2,972 |
| New Richmond | $2,974 |
| Flat Rock | $2,975 |
| Elizabethtown | $2,976 |
| Fowler | $2,976 |
| Ridgeville | $2,978 |
| Chesterfield | $2,980 |
| Colfax | $2,980 |
| Ingalls | $2,980 |
| Camden | $2,981 |
| Clifford | $2,981 |
| Dunreith | $2,982 |
| New Castle | $2,982 |
| Mount Summit | $2,984 |
| Harrodsburg | $2,985 |
| Nora | $2,985 |
| Boswell | $2,986 |
| Lebanon | $2,986 |
| Columbus | $2,987 |
| Versailles | $2,987 |
| Idaville | $2,989 |
| Springport | $2,989 |
| Matthews | $2,991 |
| Attica | $2,992 |
| Cutler | $2,992 |
| Ladoga | $2,994 |
| Fair Oaks | $2,995 |
| New Market | $2,995 |
| Middletown | $2,997 |
| Darlington | $2,999 |
| Milan | $3,000 |
| Summitville | $3,000 |
| Williamsport | $3,002 |
| Earl Park | $3,004 |
| Daleville | $3,006 |
| Florence | $3,007 |
| Kentland | $3,007 |
| Milroy | $3,007 |
| Westfield | $3,007 |
| Spiceland | $3,008 |
| Bennington | $3,010 |
| Arlington | $3,011 |
| Lewisville | $3,012 |
| Sulphur Springs | $3,013 |
| Wingate | $3,013 |
| Ambia | $3,014 |
| Selma | $3,014 |
| Wilkinson | $3,016 |
| Markleville | $3,018 |
| Osgood | $3,018 |
| Lapel | $3,020 |
| Needham | $3,023 |
| Marshall | $3,027 |
| Morristown | $3,027 |
| Vevay | $3,029 |
| Pine Village | $3,030 |
| Alamo | $3,032 |
| Jamestown | $3,033 |
| Noblesville | $3,033 |
| Bainbridge | $3,034 |
| East Enterprise | $3,036 |
| North Salem | $3,036 |
| Charlottesville | $3,037 |
| Cicero | $3,037 |
| Pierceville | $3,038 |
| Taylorsville | $3,038 |
| Heritage Lake | $3,040 |
| Stinesville | $3,040 |
| Manilla | $3,043 |
| Waynetown | $3,043 |
| Clarksburg | $3,044 |
| Homer | $3,044 |
| Mays | $3,044 |
| Kennard | $3,047 |
| Princes Lakes | $3,048 |
| Wallace | $3,048 |
| Coatesville | $3,049 |
| Maxwell | $3,051 |
| Friendship | $3,052 |
| Melody Hill | $3,053 |
| Covington | $3,054 |
| Newport | $3,055 |
| Orestes | $3,056 |
| Roachdale | $3,056 |
| McCordsville | $3,060 |
| Fairland | $3,063 |
| Straughn | $3,063 |
| Fishers | $3,064 |
| Monrovia | $3,065 |
| Waveland | $3,065 |
| Grammer | $3,067 |
| Cordry Sweetwater Lakes | $3,068 |
| Canaan | $3,070 |
| Veedersburg | $3,071 |
| Hammond | $3,073 |
| New Point | $3,073 |
| Fortville | $3,077 |
| Knightstown | $3,077 |
| Shirley | $3,077 |
| Greencastle | $3,078 |
| West Lebanon | $3,080 |
| Bloomingdale | $3,081 |
| Hillsboro | $3,082 |
| Mecca | $3,083 |
| Patriot | $3,083 |
| Finly | $3,085 |
| Rising Sun | $3,087 |
| St. Paul | $3,089 |
| Trafalgar | $3,089 |
| Russellville | $3,091 |
| Madison | $3,092 |
| Putnamville | $3,094 |
| Cross Plains | $3,095 |
| New Whiteland | $3,096 |
| Whiteland | $3,096 |
| Helmsburg | $3,097 |
| New Ross | $3,097 |
| Butlerville | $3,098 |
| Muscatatuck | $3,098 |
| Nebraska | $3,098 |
| Perrysville | $3,099 |
| Pittsboro | $3,100 |
| Sheridan | $3,101 |
| Reelsville | $3,108 |
| Westport | $3,109 |
| Nashville | $3,111 |
| Seymour | $3,112 |
| Montezuma | $3,113 |
| Morgantown | $3,113 |
| Boggstown | $3,116 |
| Hanover | $3,116 |
| Fillmore | $3,119 |
| Rockville | $3,120 |
| Eminence | $3,122 |
| Huntingburg | $3,122 |
| Hillsdale | $3,123 |
| Millhousen | $3,123 |
| Brooklyn | $3,124 |
| Paragon | $3,125 |
| Evansville | $3,126 |
| Mooresville | $3,127 |
| New Palestine | $3,127 |
| Rosedale | $3,127 |
| Martinsville | $3,131 |
| New Salisbury | $3,136 |
| Charlestown | $3,138 |
| Fountaintown | $3,140 |
| Holland | $3,140 |
| Stilesville | $3,140 |
| Kingman | $3,141 |
| Cayuga | $3,144 |
| Clarksville | $3,144 |
| Jasper | $3,146 |
| Bridgeton | $3,147 |
| Sellersburg | $3,148 |
| Danville | $3,149 |
| St. Anthony | $3,149 |
| Clinton | $3,151 |
| Scipio | $3,151 |
| Advance | $3,153 |
| Clayton | $3,155 |
| Ramsey | $3,155 |
| Brownsburg | $3,157 |
| St. Bernice | $3,157 |
| Fairview Park | $3,158 |
| Kurtz | $3,158 |
| Lizton | $3,158 |
| Tell City | $3,160 |
| Greenfield | $3,162 |
| Bellmore | $3,164 |
| Holton | $3,170 |
| Cortland | $3,171 |
| Lincoln City | $3,171 |
| Gwynneville | $3,172 |
| Universal | $3,172 |
| Terre Haute | $3,177 |
| Bloomfield | $3,178 |
| Waldron | $3,179 |
| Oolitic | $3,180 |
| Springville | $3,181 |
| Branchville | $3,184 |
| Country Squire Lakes | $3,184 |
| Bethlehem | $3,185 |
| Corydon | $3,186 |
| Henryville | $3,186 |
| Inglefield | $3,187 |
| Lanesville | $3,189 |
| North Vernon | $3,189 |
| Avon | $3,190 |
| New Middletown | $3,192 |
| Cynthiana | $3,193 |
| North Terre Haute | $3,193 |
| Midland | $3,194 |
| Ireland | $3,196 |
| Dana | $3,197 |
| Floyds Knobs | $3,197 |
| Hayden | $3,198 |
| Ragsdale | $3,199 |
| Borden | $3,201 |
| Scotland | $3,201 |
| Blanford | $3,202 |
| Crandall | $3,203 |
| Commiskey | $3,204 |
| Franklin | $3,207 |
| Gentryville | $3,207 |
| Santa Claus | $3,207 |
| Birdseye | $3,208 |
| Scottsburg | $3,208 |
| Amo | $3,209 |
| Dupont | $3,209 |
| Jeffersonville | $3,212 |
| Linton | $3,212 |
| Mount St. Francis | $3,214 |
| Palmyra | $3,214 |
| Gosport | $3,215 |
| Mariah Hill | $3,215 |
| Deputy | $3,216 |
| Shoals | $3,216 |
| Spencer | $3,216 |
| Newburgh | $3,217 |
| Utica | $3,219 |
| Dale | $3,221 |
| Koleen | $3,222 |
| Solsberry | $3,223 |
| New Albany | $3,224 |
| Plainfield | $3,224 |
| Fort Branch | $3,225 |
| Lyons | $3,226 |
| Elberfeld | $3,228 |
| Greenwood | $3,228 |
| Brownstown | $3,229 |
| Owensburg | $3,229 |
| Elizabeth | $3,230 |
| Switz City | $3,232 |
| Jasonville | $3,236 |
| Mitchell | $3,236 |
| Paris Crossing | $3,237 |
| Leopold | $3,238 |
| Seelyville | $3,239 |
| St. Meinrad | $3,239 |
| Fontanet | $3,240 |
| Paxton | $3,240 |
| Laconia | $3,242 |
| Huron | $3,243 |
| Graysville | $3,244 |
| Norman | $3,244 |
| Patricksburg | $3,244 |
| Wadesville | $3,244 |
| Bradford | $3,245 |
| Shepardsville | $3,245 |
| Dugger | $3,246 |
| West Terre Haute | $3,246 |
| Hymera | $3,247 |
| Stendal | $3,249 |
| Bedford | $3,250 |
| St. Mary of the Woods | $3,251 |
| Decker | $3,252 |
| Farmersburg | $3,252 |
| Avoca | $3,253 |
| Tunnelton | $3,253 |
| Depauw | $3,256 |
| Cannelton | $3,257 |
| Troy | $3,257 |
| Vincennes | $3,257 |
| Loogootee | $3,259 |
| Bristow | $3,261 |
| Central | $3,261 |
| Quincy | $3,261 |
| Chandler | $3,262 |
| Poland | $3,262 |
| Spurgeon | $3,262 |
| Bargersville | $3,264 |
| New Goshen | $3,267 |
| Schnellville | $3,268 |
| Mauckport | $3,270 |
| Petersburg | $3,270 |
| Cannelburg | $3,271 |
| Fulda | $3,271 |
| Memphis | $3,272 |
| Sullivan | $3,272 |
| Underwood | $3,272 |
| Pimento | $3,276 |
| Shelburn | $3,276 |
| Washington | $3,276 |
| Heltonville | $3,277 |
| St. Croix | $3,277 |
| Otisco | $3,279 |
| Montgomery | $3,280 |
| Derby | $3,281 |
| Carbon | $3,282 |
| Bicknell | $3,283 |
| Crane Naval Depot | $3,283 |
| Freetown | $3,283 |
| Tennyson | $3,283 |
| Hatfield | $3,284 |
| Mount Vernon | $3,285 |
| New Washington | $3,285 |
| Patoka | $3,286 |
| Worthington | $3,288 |
| Austin | $3,290 |
| Dubois | $3,290 |
| Meridian Hills | $3,292 |
| Poseyville | $3,292 |
| Williams Creek | $3,292 |
| Freelandville | $3,294 |
| Nabb | $3,294 |
| Crane | $3,297 |
| Odon | $3,297 |
| Clermont | $3,298 |
| Haubstadt | $3,299 |
| Freedom | $3,300 |
| Celestine | $3,301 |
| Coal City | $3,301 |
| Lynnville | $3,301 |
| New Harmony | $3,301 |
| Sulphur | $3,301 |
| Brazil | $3,303 |
| Evanston | $3,303 |
| Knightsville | $3,305 |
| Rome | $3,307 |
| Williams | $3,308 |
| Westphalia | $3,310 |
| Coalmont | $3,313 |
| Georgetown | $3,313 |
| Centerpoint | $3,317 |
| Merom | $3,318 |
| Mackey | $3,319 |
| Milltown | $3,319 |
| Boonville | $3,321 |
| Oaktown | $3,321 |
| Princeton | $3,323 |
| Lamar | $3,325 |
| Crothersville | $3,328 |
| Marysville | $3,328 |
| Somerville | $3,329 |
| Beech Grove | $3,331 |
| Lawrence | $3,332 |
| Staunton | $3,332 |
| Salem | $3,334 |
| Vallonia | $3,334 |
| Plainville | $3,335 |
| Lewis | $3,337 |
| East Chicago | $3,338 |
| West Newton | $3,338 |
| Cumberland | $3,339 |
| Elnora | $3,339 |
| Otwell | $3,341 |
| Owensville | $3,341 |
| Winslow | $3,343 |
| Clay City | $3,344 |
| Sandborn | $3,346 |
| Edwardsport | $3,347 |
| Chrisney | $3,348 |
| Newberry | $3,350 |
| Grantsburg | $3,351 |
| Carlisle | $3,354 |
| Oakland City | $3,356 |
| Francisco | $3,357 |
| Bruceville | $3,358 |
| French Lick | $3,358 |
| Wheatland | $3,358 |
| Pekin | $3,363 |
| Indianapolis | $3,365 |
| Medora | $3,366 |
| Richland | $3,366 |
| Rockport | $3,368 |
| Buckskin | $3,370 |
| Leavenworth | $3,372 |
| West Baden Springs | $3,374 |
| Speedway | $3,378 |
| Camby | $3,387 |
| Cory | $3,388 |
| Marengo | $3,389 |
| Orleans | $3,394 |
| English | $3,396 |
| Hazleton | $3,396 |
| Paoli | $3,401 |
| Taswell | $3,401 |
| Grandview | $3,406 |
| Velpen | $3,407 |
| Fredericksburg | $3,409 |
| Griffin | $3,415 |
| Rocky Ripple | $3,422 |
| Hardinsburg | $3,431 |
| Campbellsburg | $3,436 |
| Bowling Green | $3,442 |
| Monroe City | $3,444 |
| Warren Park | $3,447 |
| Eckerty | $3,459 |
| Homecroft | $3,470 |
| Southport | $3,473 |
| Gary | $3,474 |
Current state of homeowners insurance in Indiana
Indiana’s home insurance rates rose 4.44% between 2024 and 2025. That’s still less than the 5.56% increase that occurred nationally. Indiana’s weather can be extreme, leading to costlier claims.
About 14% of homes in Indiana are uninsured. Homeowners insurance is not required by law in Indiana, though lenders will almost always make you get it for a mortgage. But even if it’s optional, home insurance is still highly recommended to financially protect you, your home and personal belongings from unexpected events. Otherwise, you could end up on the hook for a lot more than the policy’s annual costs.
Some carriers charge separate deductibles for windstorms and hail
In Indiana, some homeowners insurance companies (such as State Farm) may charge a separate deductible for damage caused by windstorms and hail. Always check your quote to see how many deductibles you have, what they apply to and under what circumstances.
Homeowners insurance does not cover floods
If you want flood coverage, you’ll need to get a separate flood insurance policy. You might not think you need it, but floods can and do happen where you least expect it.
In summer 2025, parts of Cook County, Illinois, and Lake County, Indiana, experienced major flooding that caused an estimated $13 million in damage. The National Weather Service classified the rainfall as an extremely rare event, with less than a 1% chance of occurring in a given year.
Note that rain can overwhelm your city’s sewer system or your sump pump, and standard homeowners insurance usually doesn’t cover this.
How to compare homeowners insurance in Indiana
Before reaching out for quotes, be sure you understand the different types of homeowners coverage available. Then as you call around, use the same details to be sure you’re making a fair comparison:
- Coverage limits: You’ll need to choose limits for your dwelling and your personal property coverages, and they should match across quotes. If one quote seems abnormally low, it may not offer as much coverage as the others.
- Deductibles: Higher deductibles translate to lower premiums, but this could pose risk. Make sure you can comfortably pay the deductible you choose.
- Exclusions: Home insurance policies typically have a list of perils it will not cover. Look through your quotes and review any exclusions. Ask questions if needed.
- Reimbursements: Check to see if the quote offers replacement cost, which means payouts will be based on today’s prices, or actual cash value (ACV), which takes depreciation into account.
- Add-ons: Every company has its own list of add-ons, or endorsements, that it offers. If you need a specific add-on (like water backup or sump pump repair), make sure it’s included.
If you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Homeowners insurance rates in Indiana have gone up in recent years, in part due to the frequency and intensity of storms. Rising construction and repair costs have also made claims more expensive for insurers.
Usually yes, but coverage depends on your policy. You may have a separate windstorm deductible, which is often higher than your standard deductible.
Also, some companies may only pay actual cash value (ACV) instead of the full replacement cost. If you have ACV coverage, then you’ll only get what your roof is currently worth, considering depreciation.
Insurance companies have their own way of evaluating risk. Your claim history, home, ZIP code and even your credit score can impact your home insurance premiums. Because each company weighs these factors differently, you could get very different quotes across carriers.
Methodology
How we chose the best homeowners insurance in Indiana
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Indiana ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our full editorial guidelines for further details.
*USAA is only available to current and former members of the military and their families.