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Compare car insurance in Indiana

Get the cheapest car insurance in Indiana for 2020

Updated

Fact checked

If you plan to drive in Indiana, you’ll need to carry a minimum level of liability coverage. You’ll also have the option to carry additional protection on your policy, which might better protect you, your vehicle, your passengers and your fellow travelers on the road. Shopping around may allow you to find insurance cheaper than Indiana’s average annual car insurance cost of around $1,112.

Indiana

Car insurance quick facts

25/50/10

Minimum liability requirements

$1,112

Average annual car insurance cost

90

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Our top pick: Progressive

Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.

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Compare Indiana car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
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Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$874,34122.2%
Progressive$479,14412.2%
Allstate$303,1377.7%
Indiana Farm Bureau$286,0887.3%
Berkshire Hathaway$261,1146.6%
Liberty Mutual$199,4155.1%
American Family$180,0954.6%
Erie$154,9173.9%
Auto-Owners Insurance Co.$108,6142.8%
USAA$108,6012.8%

Average car insurance costs in Indiana

Car insurance costs vary by state, city and ZIP code. Indiana sits slightly below the average cost for car insurance nationwide at around $93 a month or $1,112 a year. This is lower than the national average of $118 a month or $1,410 a year.

Factors that can influence your insurance cost include your driving record, your age and your car. Location-based factors can come into play as well, like crime rates where you live or work. If you live near a city, you could expect rates to go up too, since accidents are more common in cities than in rural areas.

Cheapest car insurance rates in Indiana

CompanyAverage annual rateLearn more
Progressive$214
State Farm$219
Cincinnati$268
Indiana Farmers$405
Geico$616
USAA$633
American National$725
Farmers$771
Grange$756
Western Reserve$846

Which city has the cheapest car insurance in Indiana?

Of Indiana’s largest cities, Carmel has the cheapest rates and New Albany has the most expensive car insurance rates. New Albany drivers could face rates 2 times more than Carmel drivers.

Car insurance quotes in Crown Point

CompanyAnnual car insurance rate
Allstate$1602
Farmers$1781
Safeauto$1878
Progressive$1313
Geico$1785

Car insurance quotes in Indianapolis

CompanyAnnual car insurance rate
Allstate$1763
Farmers$1648
Safeauto$1925
Progressive$1522
Geico$1602

Car insurance quotes in Greenwood

CompanyAnnual car insurance rate
Allstate$1520
Farmers$1561
Safeauto$1781
Progressive$1240
Geico$1606

Car insurance quotes in New Albany

CompanyAnnual car insurance rate
Allstate$1598
Farmers$1729
Safeauto$2122
Progressive$1390
Geico$1689

Car insurance quotes in Carmel

CompanyAnnual car insurance rate
Allstate$1423
Farmers$1539
Safeauto$1626
Progressive$1222
Geico$1519

Car insurance requirements in Indiana

In order to legally drive in Indiana, you’ll need minimum liability insurance, including:

  • $25,000 in bodily injury liability coverage per per+son.
  • $50,000 in bodily injury liability coverage per accident.
  • $10,000 in property damage liability coverage per accident.

When shopping for car insurance, you’ll sometimes see this written as 25/50/10.

When it comes to uninsured motorists coverage — which protects you in the event of an accident with someone who doesn’t have insurance — Indiana is an opt-out state. That means that Indiana insurance companies are required to offer you UIM insurance, but you can sign a waiver to opt out of carrying it.

Can I get SR-22 insurance in Indiana?

You might need an SR-22 in Indiana if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel.

How to file an SR-22 in Indiana

Bottom line

Carrying auto insurance protects you, your family and fellow drivers. Research your insurance options to make sure that you’re receiving the coverage that you need — and that your state requires.

As always, to get the best coverage possible at a great rate, we recommend comparing your options and shopping around. To learn more about car insurance in general, from discounts to regulations, visit our comprehensive car insurance guide.

Get the cheapest quotes

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Frequently asked questions about car insurance in Indiana

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