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Indiana has an estimated 6.7 million residents as of July 2018, according the U.S. Census Bureau, and there were 4.8 million vehicles insured in 2015. The average statewide auto insurance rates from the top ten car insurance companies are a bit higher in Indiana than some of its Midwestern neighbors. That’s because Indiana has several large cities, which tend to have higher car insurance rates than rural areas.

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Cheapest Car Insurance in Indiana

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from 10 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in Indiana

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000.

Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in Indiana

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Indiana Car Insurance Rates by Age

To find out how much car insurance costs in Indiana are affected by age, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and female drivers. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The study rates for our 25-year-old driver profile averaged about $1,200 for male drivers and $1,100 for female drivers. At age 35, the study rates for our driver profiles in Indiana were nearly identical, at $970. They study rates were still very close for driver profiles at 60 years old, with averages below $900.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$1,689.29

$1,563.55

$1,581.70

$1,547.23

$1,495.05

$1,372.75

American Family

$1,474.19

$1,205.20

$1,205.20

$1,205.20

$1,084.27

$1,084.27

Farmers

$1,246.50

$1,141.50

$818.39

$831.03

$779.88

$678.00

Geico

$810.05

$910.23

$763.78

$771.37

$714.67

$695.24

Nationwide

$1,576.73

$1,420.48

$1,216.61

$1,186.86

$1,099.32

$1,018.45

Progressive

$1,040.69

$1,019.67

$766.98

$809.11

$723.22

$714.02

State Farm

$1,211.96

$1,090.20

$992.83

$992.83

$898.39

$898.39

Travelers

$925.57

$806.79

$804.02

$790.77

$745.70

$745.09

USAA

$832.53

$777.96

$582.82

$591.02

$543.95

$539.04

Indiana Car Insurance Rates by Driving Record

We analysed the effect a driving profile can have on car insurance rates in Indiana. We used male and female driver profiles aged 25, 35, and 60, and assigned them good credit, medium insurance coverage, and 12,000 miles of annual mileage. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Our study looked at four types of driver profiles in Indiana: with a clean driving record, with a single speeding violation, with a single accident, and with a DUI. With one speeding violation, average car insurance rates in our study went from $1,000 for a profile with a clean record to $1,207. A single accident or a DUI added to the profile raised study rates by about $500 on average.

Our analysis turned up a couple of interesting rates. We found that State Farm did not raise rates at all for a driver profile with one speeding ticket or one DUI, and its average rate went up by only about $100 when we added an accident to the profile's record. American Family’s average rates were often more expensive than the competition’s in our study, and the company's representative rate for the profile with one DUI was nearly double the rate for the profile with a clean record.

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,541.60

$1,794.52

$2,179.07

$2,013.03

American Family

$1,209.72

$1,384.21

$2,031.91

$2,302.95

Farmers

$915.88

$1,067.82

$1,156.69

$1,216.07

Geico

$777.56

$1,081.64

$1,303.78

$1,680.85

Nationwide

$1,253.08

$1,493.49

$1,916.21

$1,808.04

Progressive

$845.62

$1,328.40

$1,830.84

$1,126.79

State Farm

$1,014.10

$1,014.10

$1,106.92

$1,014.10

Travelers

$802.99

$907.12

$1,066.13

$1,222.76

USAA

$644.55

$797.73

$940.23

$1,042.71

Indiana Car Insurance Rates by Credit Score

We also wanted to determine how much a poor credit score can raise rates over a good credit score. We used driver profiles in three categories: good credit, fair credit, and poor credit. The profiles were male and female drivers with the ages of 25, 35, and 60. Each profile had medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Drivers with poor credit don’t fare so well in Indiana, according to our data. Our driver profile with good credit pays an average of about $1,000, while the profile with poor credit had a rate nearly $700 higher.

Company

Good

Fair

Poor

Allstate

$1,541.60

$1,681.52

$2,241.09

American Family

$1,209.72

$1,442.11

$2,211.56

Farmers

$915.88

$1,168.04

$1,943.40

Geico

$777.56

$960.89

$1,144.22

Nationwide

$1,253.08

$1,336.31

$1,565.48

Progressive

$845.62

$1,052.64

$1,503.26

State Farm

$1,014.10

$1,306.35

$2,185.94

Travelers

$802.99

$923.21

$1,245.53

USAA

$644.55

$752.69

$1,168.77

Indiana Auto Insurance Minimum Coverage Requirements

Indiana’s minimum car insurance requirements are similar to what many states require:

  • $25,000 of bodily injury liability coverage per person
  • $50,000 of bodily injury liability coverage per accident
  • $25,000 of property damage liability coverage per accident

Indiana is an “at-fault” state, which means that whoever caused the accident is the one whose insurance must pay for the repairs and medical costs.

The state also requires insurers to offer underinsured motorist (UIM) coverage, which covers you in the event an at-fault driver does not have the required insurance. In that case, you can recover the costs to repair your car or pay for medical bills from your own insurance company. While Indiana requires insurers to offer UIM insurance, drivers can waive this coverage in writing when getting a new policy.

Cheapest Car Insurance in Indiana

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Single Male Young Adult Drivers

Geico

Single Female Young Adult Drivers

Travelers

Married Adult Drivers

Geico

Senior Male Drivers

Geico

Senior Female Drivers

Farmers

Drivers with Good Credit

Geico

Drivers with Poor Credit

Geico

Drivers with a Clean Record

Geico

Drivers with One Speeding Violation

Travelers

Drivers with One Accident

Travelers

Drivers with One DUI

State Farm

Low-mileage Drivers

Geico

High-mileage Drivers

Geico

Drivers with Low Coverage

Geico

Drivers with High Coverage

Travelers

Drivers with Used Cars

Geico

Drivers with New Cars

Geico

To find which car insurance company offers the lowest rates in Indiana, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

As was often the case in our study, USAA had the lowest overall car insurance rates, with an average in Indiana of $644.55. Four other companies in our study had rates below the state average of $1,000: Geico, Travelers, Progressive, and Farmers.

Why Car Insurance Rates Vary in Indiana

To find differences in car insurance rates in Indiana based on city of residence, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included males and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Smaller cities have lower average car insurance rates. With a population of 67,000, Lafayette had the lowest average rate in our study, at $901.84. This city is a one-hour drive from Indianapolis and two hours from Chicago, so most drivers are unlikely to visit these high-traffic cities on a daily basis. Carmel was a close second, with an average study rate of $939.11, followed by Bloomington, with an average rate in our study of $959.69

Cities in Indiana that are suburbs of Chicago see much higher average rates. Gary and Hammond are among the most expensive for the Indiana, with average rates of $1,333.50 and $1,273.11. As always, cities with larger populations have more vehicles, and that means there are more chances to get into accidents that lead to claims.

City

Average Rate

Indianapolis

$1,082.59

Fort Wayne

$977.65

Evansville

$1,057.98

South Bend

$977.84

Carmel

$939.11

Fishers

$974.89

Bloomington

$959.69

Hammond

$1,273.11

Gary

$1,333.50

Lafayette

$901.84

How to Get Cheapest Car Insurance in Indiana

You don’t have to be a middle-aged driver with a clean record to get a reasonable rate. There are some other ways to lower your auto insurance rates. Most of the top car insurers offer discounts for having multiple types of insurance with the same company. That could be homeowner’s or renter’s insurance along with your auto policy, or it could be insuring multiple vehicles all with the same company.

You can often find car insurance discounts for being a good student or being a member of the U.S. military. Some large businesses or organizations negotiate for discounts from major insurers as well. Check with your employer or any groups you may belong to for discounts on car insurance.

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The best way to lower your auto insurance rate is to be a good driver, even if it’s not always the easiest way. That means avoiding common ways to raise your rates, such as speeding, getting into an accident, and driving while drunk. If you remain accident free for a period of time, usually starting around six months, insurance companies will often reward you with a discount on your car insurance. The longer you remain without a claim, the deeper the discount can be.

Some insurance companies, such as Allstate, offer discounts to drivers who agree to have their driving monitored. Your phone or another plug-in tracking device records your speed, the time of day you drive, and the number of hard braking incidents. These all indicate the likelihood of getting into an accident – and filing a dreaded claim.

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Important Laws Around Auto Insurance in Indiana

Indiana is an at-fault state, meaning that the person who caused the accident is responsible for paying for repairs and medical bills through their insurance. Not having the required insurance can result in your license being suspended.

Reinstating your license after a suspension for any reason, whether it’s for being an uninsured motorist or for a DUI conviction, means that you’ll have to pay for high-risk SR22 nonowner car insurance.

Indiana allows drivers to use digital insurance cards on their devices rather than carrying a paper or plastic card.

Indiana Driving Laws and Punishments

Texting while driving has been illegal in Indiana since 2011. It’s a primary offense, meaning drivers can be pulled over for this violation alone, and it can result in a $500 fine.

As in many other states, Indiana drivers with a .08 blood alcohol level will be convicted of a DUI. The limit is .02 if the driver is under 21. Violators will have their car towed and license suspended for 90 days.

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For your first offense, you could also face up to a year in jail, court fees of $300 or more, and fines up to $5,000. And don’t forget, your insurance rate will jump an average of more than $1,300 a year, according to our study.

Indiana Car Insurance FAQs

Is car insurance required in Indiana?

Yes, car insurance is required in Indiana. Here are the minimum car insurance requirements in Indiana:

  • $25,000 of bodily injury liability coverage per person
  • $50,000 of bodily injury liability coverage per accident
  • $25,000 of property damage liability coverage per accident

Which cars are required to be insured in Indiana?

All cars are required to be insured in Indiana. If you plan on putting your car in storage for at least 90 days, you need to fill out an Affidavit of Nonuse rather than registering it traditionally with the Indiana Bureau of Motor Vehicles. You don’t need to insure that car for driving, but you might want to get comprehensive car insurance to cover it against damages that might occur while it’s in storage.

When should I get car insurance in Indiana?

You should insure your vehicle as soon as you buy a car or move to Indiana

What happens if my car is not properly insured in Indiana?

If you do not have car insurance in Indiana, your license will be suspended.

Is Indiana a no-fault state?

No, Indiana is an at-fault state. That means the driver who caused the accident pays for the damages through their insurance.

Do I need uninsured motorist coverage in Indiana?

Yes, uninsured motorist coverage is required to be included in every new auto insurance policy in Indiana, though you can waive this coverage in writing at the time of purchase.

Is liability insurance required in Indiana?

Yes, drivers are required to carry liability insurance for bodily injury and property damage.

Does Indiana accept digital insurance cards?

Yes, Indiana accepts digital insurance cards.

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.