Cheap Car Insurance in Indiana

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Indiana cheapest auto insurance companies

Average Indiana car insurance premiums by company

Company
(click to see reviews)

Average annual premiums

Erie Insurance

$1,232

Travelers Insurance

$1,385

Farm Bureau

$1,395

Farmers Insurance

$1,410

The Hartford

$1,453

Geico

$1,466

Auto-Owners

$1,468

Safeco

$1,474

State Farm

$1,476

AAA Insurance/Auto Club

$1,501

American Family Insurance

$1,503

Allstate

$1,512

Nationwide Insurance

$1,523

USAA (must have a military affiliation to apply)

$1,547

The General

$1,549

Progressive

$1,580

Liberty Mutual

$1,586

Esurance

$1,649


Indiana average auto insurance premiums

Insurance increase after a speeding ticket

Indiana drivers who got a speeding ticket see an average insurance increase of 23%, lower than the national average increase.

State Clean driving record Speeding ticket % increase
Indiana $1,485/year $1,826/year 23%
Nationwide average 26%

Insurance increase after an accident

Indiana drivers who caused an accident got an average insurance increase of 31%, lower than the national average increase.

State Clean driving record Chargeable accident, no injury % increase
Indiana $1,485/year $1,947/year 31%
Nationwide average 36%

Average premiums in Indiana cities

City

Average annual premium

Anderson

$1,465

Bloomington

$1,516

Columbus

$1,330

Elkhart

$1,437

Evansville

$1,605

Fort Wayne

$1,466

Gary

$1,699

Greenwood

$1,447

Hammond

$1,482

Indianapolis

$1,545

Jeffersonville

$1,529

Kokomo

$1,505

Lafayette

$1,388

Merrillville

$1,505

Mishawaka

$1,343

Muncie

$1,397

New Albany

$1,437

Noblesville

$1,431

South Bend

$1,505

Terre Haute

$1,328

Valparaiso

$1,510


Indiana required auto insurance coverage

Penalties for not having car insurance in Indiana

  • First offense: Court may suspend the driver's license and/or registration for 90 days to one year
  • Subsequent offense within five years: suspension of driver's license for one year or more

Source: Property Casualty Insurers Association of America

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Aug. 23, 2019

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