Cheap Car Insurance in Indiana

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How to find cheap car insurance in Indiana

Comparing rates is key to getting cheap car insurance in Indiana. Quotes for the same coverage can vary considerably by company. But how much? We looked at premiums reported by EverQuote users in Indiana for large insurance companies. The prices below reflect rates for one driver with a good driving record insuring one vehicle.

Company
(Click to see reviews)
Average monthly premium
Erie $89
Safeco $100
Farm Bureau $100
Geico $106
American Family $107
Nationwide $109
Allstate $109
State Farm $110
Progressive $117
Source: EverQuote. See full methodology below.


Keep in mind that the cheapest car insurance company in Indiana for you now might change if you move, add a driver, get a speeding ticket, make a claim or cause an accident.

Indiana car insurance rates after a speeding ticket

We looked at premiums reported by EverQuote users in Indiana who had a speeding ticket on their records compared to drivers with clean records. The average rate increase was 35%. So if you get a ticket, prepare your budget for a bigger car insurance bill at renewal time. 

Remember that just because you have tickets or an accident on your record doesn't mean you can't potentially get a better price by shopping around.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much Indiana drivers are speeding and using their phones while driving.


Indiana car insurance rates by city

We looked at Indiana car insurance rates reported by EverQuote users in various cities. Drivers in Fort Wayne reported paying the lowest premiums among the Indiana cities we looked at.

City Average monthly premium
Fort Wayne $110
Evansville $110.50
South Bend $113
Indianapolis $115
Source: EverQuote. See full methodology below.

Tips for saving money

You'll typically find the best rates by comparing quotes among multiple insurance companies and keeping a clean driving record. Good credit is also important. Insurers often use a credit-based insurance score when setting rates. 

Also:

  • Ask your insurance agent to review the possible car insurance discounts.
  • Find out how much you can save by increasing the deductible on comprehensive and collision coverage, if you buy them.
  • Buy your home and auto insurance from the same company for a bundling discount. You can also usually bundle renters or condo insurance with auto insurance. 
  • Avoid buying a sports car, which usually carries higher rates due to more frequent claims.

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 29, 2018

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