Cheap Car Insurance in Indiana

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Finding cheap Indiana car insurance

If you're looking for cheap Indiana car insurance, we're here to help. We've analyzed average premiums reported by EverQuote users so you can see how insurance costs compare for Indiana drivers. (See methodology at the bottom of the page.)

Sections:

  Indiana insurance vs. the U.S. average
  Average Indiana premiums by company
  Insurance increases after a speeding ticket
  Insurance increases after an accident
  Average premiums for Indiana cities
  Find cheap Indiana auto insurance

Indiana car insurance costs vs. the U.S. average

Average insurance premiums paid by Indiana drivers with good records are less than the national average:

  • $1,485/year Indiana average.
  • $1,684/year national average.

Average Indiana premiums by company

Company
(click to see reviews)

Average annual premium in Indiana

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

$1,547

The General

$1,549

Progressive

$1,580

Liberty Mutual

$1,586

Esurance

$1,649

Insurance increases in Indiana 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 Annual premium with clean driving record Annual premium with speeding ticket % increase
Indiana $1,485 $1,826 23%
Nationwide average 26%

Insurance increases in Indiana after an accident

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

State Annual premium with clean driving record Annual premium with an chargeable accident, no injury % increase
Indiana $1,485 $1,947 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

Finding cheap Indiana auto insurance

  • Compare auto insurance quotes from multiple insurance companies.
  • Keep a good driving record with no accidents, tickets or insurance claims.
  • Ask your insurance agent to review all the possible car insurance discounts.
  • Increase your deductible on comprehensive and collision coverage, if you buy them.
  • Buy renters or homeowners insurance from your auto insurance company to get a "bundling" discount.

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.

Required auto insurance in Indiana

Indiana requires only one type of auto insurance: Liability. But you may want more liability insurance than the minimum, along with additional auto insurance types. Let's look at what's available so you can make a good choice.

Minimum liability insurance:

Liability insurance pays for the damage you do to others, up to the amounts you choose, known as "limits." In Indiana, car owners must buy liability insurance of at least:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident*

*After July 1, 2018. Prior to this date, the property-damage liability minimum was $10,000.

This is often written as 25/50/25.

Uninsured/underinsured motorist (UM/UIM) coverage:

  • Indiana does not require UM/UIM. Insurance companies must offer it but you can reject it in writing. These coverage types pay for injuries to you and your passengers if you're hit by someone who has no liability insurance or not enough.
  • In Indiana you can also buy a type of UM called uninsured motorist property damage (UMPD) coverage. This pays for your car damage if you're hit by an uninsured driver. If you have collision insurance you probably don't need UMPD.

Other insurance to consider

Medical payments (MedPay) coverage: MedPay is available in Indiana but not required. It covers medical bills and funeral expenses for those injured while riding in or driving your car. It pays out no matter who was at fault. It also covers you if you're hit by a vehicle while walking.

Comprehensive coverage: Not required by Indiana, but if you have a car loan or lease you probably are required to have it. Comprehensive insurance covers the theft of your car or damage caused by hitting an animal, fire, vandalism, hail, flood, falling objects (such as trees that hit your car) and explosions.

Collision coverage: Not required by Indiana, but if you have a car loan or lease you probably are required to have it. Collision insurance is for damage to your vehicle caused by hitting another car or an object, such as a tree or sign post.

Rental reimbursement: Not required. This pays a certain amount for a rental car if your car is being fixed due to an accident.

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

Consumer complaints against the largest auto insurance companies in Indiana

The department of insurance in each state handles complaints against insurance companies that operate in the state. The National Association of Insurance Commissioners calculates a national "complaint ratio." This shows the number of complaints relative to a company's size. Here are complaint ratios for the largest car insurance companies in Indiana.

Indiana auto insurance complaints comparison

Updated Feb. 22, 2019

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