Car Insurance in Indiana
- GEICO offers the cheapest liability insurance at $32/mo
- Travelers offers the cheapest full coverage auto insurance at $98/mo
Enter your ZIP code to start your search for Indiana car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Indiana at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Jean Lucey has researched and written about insurance matters for well over 30 years. A current member of The Zebra's Insurance Expert Review Board, …
Credentials
- CPCU, Chartered Property Casualty Underwriter
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Car insurance quotes in Indiana
The average Indiana driver can expect to pay about $842 for a six-month auto insurance policy. That's 28% cheaper than the national average.[1] Your own auto insurance rate can be higher or lower depending on personal factors like your age, location, driving record and more.
Despite average costs, 37% of Indiana drivers compared quotes because they were paying too much for car insurance.[2] In this guide, we analyzed average car insurance rates in the Hoosier State to help you find an affordable policy that meets your needs and provides sufficient protection while on the road.
Cheapest liability coverage in IN
- GEICO offers the cheapest liability coverage in Indiana at $32/mo.
Cheapest full coverage in IN
- Travelers offers the cheapest full coverage in Indiana at $98/mo.
Best customer service in IN
- Erie Insurance scored 684 (5.7% above average) in JD Power's latest study — the highest in Indiana.[3]
Cheap liability insurance in Indiana
The average cost of liability-only coverage in Indiana is $282 for six months of coverage. 44% of Indiana drivers choose minimum coverage insurance.
Liability coverage is the minimum amount of coverage you can carry to comply with the law. In Indiana, the state requires that drivers have minimum limits of 25/50/25, representing bodily injury coverage per person, bodily injury per accident, and property damage coverage.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $194 | $32 |
| Progressive | $194 | $32 |
| USAA | $201 | $34 |
| Travelers | $217 | $36 |
| Auto-Owners | $238 | $40 |
| Encompass | $256 | $43 |
| Indiana Farmers Mutual Ins | $290 | $48 |
| Safe Auto | $295 | $49 |
| State Farm | $343 | $57 |
| American Family | $428 | $71 |
| Allstate | $441 | $74 |
| Farmers | $524 | $87 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
While you may be fulfilling legal requirements with liability coverage, this is often not enough to protect you in an accident. State minimum coverage is really only recommended for folks with cars worth less than $4,000. Full coverage is our ultimate recommendation, but if you don't want that or can't afford it, even raising the limits on a liability policy is an improvement. We recommend at least 50/100/50 limits for Indiana drivers.
Renata Balasco — licensed agent and insurance writer at The Zebra
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| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $201 | $627 |
| Travelers | $217 | $588 |
| State Farm | $343 | $1,044 |
| Progressive | $194 | $668 |
| Pekin Insurance | $259 | $862 |
| MetLife | $572 | $1,309 |
| Indiana Farmers Mutual Ins | $290 | $1,091 |
| Grange | $314 | $1,013 |
| GEICO | $194 | $601 |
| Farmers | $524 | $1,251 |
| Encompass | $256 | $767 |
| Auto-Owners | $238 | $751 |
| American Family | $428 | $1,126 |
| Allstate | $441 | $1,360 |
Source: The Zebra
Cheap full coverage insurance in Indiana
"Full coverage" car insurance refers to insurance policies that include comprehensive and collision coverage. While this makes premiums more expensive, it is the only way to ensure your costs will be covered if an accident happens. Indiana drivers pay an average of $842, which is lower than the national average for full coverage insurance. 56% of Zebra customers in Indiana choose full coverage policies.
Take a look at the table below for quotes from Indiana's insurance companies.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $588 | $98 |
| GEICO | $601 | $100 |
| USAA | $627 | $105 |
| Progressive | $668 | $111 |
| Encompass | $767 | $128 |
| State Farm | $1,044 | $174 |
| Indiana Farmers Mutual Ins | $1,091 | $182 |
| American Family | $1,126 | $188 |
| Safe Auto | $1,181 | $197 |
| Farmers | $1,251 | $209 |
| Allstate | $1,360 | $227 |
Source: The Zebra
What are the best car insurance companies in Indiana?
We’ve named Erie Insurance as Indiana's top car insurance provider in by analyzing consumer feedback, third-party ratings (such as the NAIC complaint index[4] and AM Best), along with factors like available discounts and coverage options. Some insurers also stand out for offering consistently competitive rates across the state.
Add insurance companies to the tool below to see how each stacks up against our pick.
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Local insights
Drivers near you in Indiana weigh in
"We had State Farm for a long time but switched to Liberty Mutual about 4 years ago. When I called State Farm to cancel they said no problem, our rates are high right now but check on us again in the future."
-Reddit user on r/Indiana
"State Farm is the cheapest for me. I pay $1200 a year for full coverage on a fully paid off 2022 Honda with no accidents, claims or tickets."
-Reddit user on r/Indiana
Compare car insurance rates from the best companies in Indiana.
Car insurance in popular Indiana cities
Car insurance companies calculate your rate based on many factors, and an important one is the location of the vehicle. Have a look at the table below to compare average car insurance costs in some of Indiana's biggest cities.
Source: The Zebra
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Source: The Zebra
Live support. Clear answers. No stress.
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
Alejandro joined The Zebra in 2019 with over a decade of insurance experience. He began his career as a bilingual sales agent at Progressive Insuranc…
Credentials
- Licensed Insurance Agent — Property and Casualty
With over 6 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
Indiana auto insurance quotes after an accident or ticket
It's no secret that receiving a citation will increase your car insurance premium. It's difficult to say how much exactly you can expect your rate to increase because every company's pricing standards are different. Using data, however, we can provide general estimates.
See below for average auto insurance rates after getting a ticket in Indiana.
Source: The Zebra
Source: The Zebra
The Zebra's guide to Indiana car insurance laws for high-risk drivers
Certain violations, like a DUI or driving without insurance, can result in more complex insurance consequences. Below, you'll find detailed guides on Indiana car insurance laws and regulations.
Discover more about Indiana car insurance laws in our comprehensive guide.
Indiana DUI laws
Getting a DUI in Indiana can increase your auto insurance rate significantly. Because a DUI often triggers a larger uptick in premium costs than most other citations, it can be challenging finding affordable car insurance in the aftermath of a DUI conviction.
Low-cost car insurance after a DUI in Indiana
To find the most savings, it’s integral to assess each of your insurance choices carefully if you're convicted of a DUI or DWI violation in Indiana. Car insurance premiums following a DUI can vary substantially by insurance company.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $756 | $126 |
| Travelers | $813 | $136 |
| American Family | $953 | $159 |
| USAA | $1,050 | $175 |
| GEICO | $1,253 | $209 |
| State Farm | $1,425 | $238 |
| Safe Auto | $1,557 | $260 |
| Allstate | $1,599 | $267 |
| Farmers | $1,751 | $292 |
| Auto-Owners | $1,781 | $297 |
| Indiana Farmers Mutual Ins | $2,588 | $431 |
| Encompass | $3,517 | $586 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Indiana SR-22 insurance
An SR-22 is a routine legal requirement brought on by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Indiana to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Indiana might require some research, but it could pay off in the end.
How to acquire an SR-22 in Indiana
For currently insured drivers
If you already have an active auto insurance policy, requesting an SR-22 shouldn't be difficult. Simply contact your insurance company and request that they file an SR-22 certificate request on your behalf. If your current insurance company won't request a certificate, you should look to switch to a new auto insurance company that will.
For uninsured drivers
When filing for a new policy, you might be charged an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification might disqualify you from getting coverage from some companies, while others will sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should apply for a non-owner car insurance policy before filing for an SR-22. Non-owner auto coverage is typically cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.
Find an affordable policy in Indiana in minutes!
How have car insurance costs in Indiana changed?
Prior to the pandemic, Indiana's car insurance costs were predictable and steady. 2020 brought a brief plateau in premium increases as road activity reduced and insurer rebates temporarily halted rate hikes. However, 2023 and beyond have seen large premium surges due to a perfect storm of high inflation, high-tech replacement parts in new vehicles, and more severe accidents.
| Year | Avg. Annual Premium — Indiana |
|---|---|
| 2026 | $1,685 |
| 2025 | $1,639 |
| 2024 | $1,338 |
| 2023 | $1,357 |
| 2022 | $1,266 |
| 2021 | $1,261 |
| 2020 | $1,188 |
| 2019 | $1,161 |
| 2018 | $1,188 |
| 2017 | $1,111 |
| 2016 | $1,019 |
| 2015 | $965 |
Save money on your next car insurance policy!
Indiana car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Indiana auto insurance.
-
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Surveys. The Zebra
-
2025 U.S. Auto Insurance Study. J.D. Power
-
Complaint Index. NAIC
RECENT QUESTIONS ABOUT CAR INSURANCE IN INDIANA
Am I still covered for liability coverage if I drive my car in a parade?
I have liability coverage only and I hit a highway median. Am I covered for any damages?
Does GEICO roadside assistance help with keys locked in a car?
Can I get an SR22 when I don't own a car?
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
