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Indiana has an estimated 6.7 million residents, according to the U.S. Census Bureau, and there were 4.8 million vehicles insured in 2015. The average statewide auto insurance rates from the top nine car insurance companies in our study 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.

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 nine largest car insurance companies in the United States, using certain driver profiles. Your rates will differ. 

How We Found the Cheapest Car Insurance Companies

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 rankings 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 nine 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 study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 15,000 miles per year and 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.

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How Much Does Car Insurance Cost in Indiana

See the Cheapest Car Insurance Companies

The average car insurance rate in Indiana, according to our findings, was just above $1,000. The range of average rates in the state is wide, with the least expensive in our study coming in at about $650 from USAA and the most expensive being about $1,500 from Allstate.

Indiana Car Insurance Rates by Age

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

$1,633

$1,512

$1,530

$1,496

$1,445

$1,329

American Family

$1,399

$1,332

$1,123

$1,080

$1,014

$994

Farmers

$1,555

$1,461

$1,215

$1,226

$1,100

$1,023

Geico

$732

$857

$693

$741

$626

$642

Nationwide

$1,581

$1,448

$1,175

$1,128

$1,070

$976

Progressive

$937

$920

$703

$741

$665

$656

State Farm

$1,102

$993

$904

$904

$818

$818

Travelers

$1,079

$1,027

$1,020

$968

$848

$799

USAA

$832

$777

$582

$591

$543

$539

The study rates for our 25-year-old driver profile averaged about $1,200 for male drivers and $1,150 for female drivers. At age 35, the study rates for our driver profiles in Indiana were nearly identical, at about $990. There was a little more of a difference between the driver profiles at 60 years old. The male profile had a study rate of $900, while the female profile had an average rate of about $860.

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Indiana Car Insurance Rates by Credit Score

Company

Good

Fair

Poor

Allstate

$1,491

$1,666

$2,054

American Family

$1,157

$1,324

$1,810

Farmers

$1,263

$1,410

$2,012

Geico

$715

$819

$1,079

Nationwide

$1,230

$1,311

$1,537

Progressive

$770

$949

$1,294

State Farm

$923

$1,293

$2,173

Travelers

$957

$1,176

$1,631

USAA

$644

$782

$1,229

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 about $630 higher. State Farm penalized the poor credit profile the most. Its average rate for a driver with good credit was typical for Indiana, at $923. But its study rate for the driver profile with poor credit was more than double, at $2,173.

Based on profiles of male and female drivers aged 25, 35, and 60, our study verified that credit scores affect car insurance rates. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis.

Indiana Car Insurance Rates by Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,491

$1,919

$2,332

$1,933

American Family

$1,157

$1,219

$1,219

$1,219

Farmers

$1,263

$1,707

$1,899

$1,865

Geico

$715

$1,065

$1,265

$1,609

Nationwide

$1,230

$1,463

$1,898

$2,357

Progressive

$770

$1,224

$1,697

$1,035

State Farm

$923

$999

$1,242

$1,416

Travelers

$957

$1,259

$1,312

$1,449

USAA

$644

$797

$940

$1,042

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 $1,017 for a profile with a clean record to nearly $1,300. A single accident or a DUI added to the profile with a clean record raised study rates by about $500 on average.

Our analysis turned up a couple of interesting rates. American Family’s average rate for a clean driving record in our study was $1,157. When we added a speeding ticket, an accident, or a DUI to that profile, American Family’s average rate was $1,220 for any of the three infractions, a 10% increase. Most insurers in our study added about 40% to the rates for profiles with a clean driving record. But Geico, the second least expensive insurer in Indiana according to our findings, had a DUI study rate that was more than double its rate for a profile with a clean record. Nationwide, which had one of the more expensive average rates in our study, also doubled its rate for the driver profile with a DUI, from $1,230 with a clean record to $2,358. 

To find out just how much of an effect a person's driving record has on insurance rates, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females who drove 12,000 miles per year and had a medium level of insurance coverage and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Why Car Insurance Rates Vary in Indiana

City

Average Rate

Bloomington

$1,002

Carmel

$955

Evansville

$1,074

Fishers

$990

Fort Wayne

$985

Gary

$1,318

Hammond

$1,268

Indianapolis

$1,093

Lafayette

$935

South Bend

$1,011

Smaller cities have lower average car insurance rates. With a population of 67,000, Lafayette had the lowest average rate in our study, at about $935. 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 $955, followed by Fort Wayne, with an average rate in our study of $985.

Cities in Indiana that are suburbs of Chicago see much higher average rates. Gary and Hammond are among the most expensive for Indiana, with average rates of $1,318 and $1,269. As always, cities with larger populations have more vehicles, and that means there are more chances to get into accidents that lead to claims. 

Within each state, insurance rates can vary dramatically from city to city. To get a sense of how these differences affect car insurance premiums, we looked at average representative rates across 10 of Iowa’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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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

Young Adult Drivers

GEICO

Married Male Adult Drivers

GEICO

Married Female Adult Drivers

Progressive

Senior Drivers

GEICO

Drivers with Good Credit

GEICO

Drivers with Poor Credit

GEICO

Drivers with a Clean Record

GEICO

Drivers with One Speeding Violation

State Farm

Drivers with One Accident

American Family

Drivers with One DUI

Progressive

Low-mileage Drivers

GEICO

High-mileage Drivers

GEICO

Drivers with Low Coverage

GEICO

Drivers with High Coverage

GEICO

Drivers with Used Cars

GEICO

Drivers with New Cars

GEICO

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, Progressive, State Farm, and Travelers. 

To find which car insurance company offers the lowest rates, our study used representative driver profiles with good credit, medium insurance coverage, and a clean driving record. Our profiles included males and females aged 25, 35, and 60 who drove 12,000 miles per year. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

How to Get the 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. 

Wutthichai Luemuang / EyeEm / Getty Images

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 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. 

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 SR-22 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. 

kali9 / Getty Images

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. 

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

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