Cheapest Car Insurance in Indiana (Best Rates in 2025)
Travelers has the cheapest car insurance in Indiana. Full coverage from Travelers costs around $129 per month — $38 per month cheaper than average.
Find Cheap Auto Insurance Quotes in Indiana
Best cheap car insurance companies in Indiana
Best and cheapest car insurance in Indiana
- Cheapest full coverage: Travelers, $129/mo
- Cheapest minimum liability: Auto-Owners, $42/mo
- Cheapest for young drivers: Progressive, $122/mo
- Cheapest after a ticket: Auto-Owners, $149/mo
- Cheapest after an accident: Travelers, $180/mo
- Cheapest for teens after a ticket: Progressive, $129/mo
- Cheapest after a DUI: Progressive, $156/mo
- Cheapest for poor credit: Travelers, $210/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Auto-Owners offers the best mix of good customer service and affordable rates for most people in Indiana. While Travelers and Progressive may have cheaper rates, their customer service reviews tend to be worse than Auto-Owners.
It could be worth spending a little extra for a company with great service because it will likely help get your life back to normal faster after a crash.
Cheapest full coverage car insurance in Indiana: Travelers
Travelers and USAA have the cheapest full coverage car insurance rates in Indiana.
Find Cheap Auto Insurance Quotes in Indiana
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Cheap full coverage car insurance in Indiana
Company | Monthly rate | |
|---|---|---|
| Travelers | $129 |
| Progressive | $132 |
| Auto-Owners | $149 |
| Farm Bureau | $165 |
| Geico | $167 |
*USAA is only available to current and former military members and their families.
Data-powered research on Indiana car insurance
| Data-powered research on IN car insurance |
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Cheapest liability-only car insurance in Indiana: Auto-Owners
Auto-Owners is the cheapest car insurance company in Indiana for minimum coverage insurance, at $42 per month.
That's around one-quarter less than the Indiana state average of $58 per month.
Cheap liability car insurance in Indiana
Company | Monthly rate |
|---|---|
| Auto-Owners | $42 |
| Travelers | $44 |
| Farm Bureau | $50 |
| Progressive | $51 |
| State Farm | $56 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Indiana
Price shouldn't be the only factor you consider when shopping for car insurance in Indiana. You should look for a company that offers reliable customer service at an affordable rate.
You may also need more coverage than the absolute cheapest policy provides. For example, if you have a car loan or lease, you're typically required to have comprehensive and collision coverage, which are part of a full coverage policy.
Cheap Indiana auto insurance for teen drivers: Progressive and Travelers
Progressive has the most affordable liability-only insurance in Indiana for young drivers.
Minimum liability coverage from Progressive costs $122 per month for an 18-year-old driver in Indiana. That's one-quarter cheaper than the Indiana state average, which is $166 per month.
Travelers has the cheapest full coverage rates for teens. At $356 per month, a policy from Travelers costs $84 per month less than the Indiana average.
Best Indiana car insurance quotes for teens
Company | Liability only | Full coverage |
|---|---|---|
| Progressive | $122 | $385 |
| Travelers | $128 | $356 |
| Geico | $140 | $397 |
| Auto-Owners | $140 | $378 |
| Farm Bureau | $180 | $581 |
*USAA is only available to current and former military members and their families.
The best way for young drivers to find cheap insurance in Indiana is by sharing a policy with their parents.
Minimum liability car insurance for 18-year-old drivers in Indiana costs nearly three times as much as for 30-year-old drivers.
Car insurance for young drivers is usually more expensive because they don't have as much experience behind the wheel. This means they're more likely to make a mistake and cause an accident.
Cheapest auto insurance in Indiana after a speeding ticket: Auto-Owners
Auto-Owners has the cheapest insurance quotes in Indiana after a speeding ticket. Full coverage insurance from Auto-Owners costs around $149 per month after a speeding ticket. That's $54 per month cheaper than average.
Cheap Indiana auto insurance rates after a ticket
Company | Monthly rate |
|---|---|
| Auto-Owners | $149 |
| Travelers | $162 |
| Progressive | $171 |
| State Farm | $183 |
| Farm Bureau | $198 |
*USAA is only available to current and former military members and their families.
One speeding ticket in Indiana can raise your rates by an average of 22%. That's an increase of around $36 per month for a full coverage policy.
Cheap Indiana car insurance after an accident: Travelers
Travelers has the best auto insurance rates for Indiana drivers after an at-fault accident. Full coverage insurance from Travelers is $180 per month, which is $62 per month cheaper than the state average.
Indiana drivers should also compare rates from Auto-Owners after an accident. At $182 per month, full coverage from Auto-Owners is only a few dollars more each month than Travelers. And Auto-Owners has better customer service reviews than Travelers. That could come in handy if you're in another accident in the future.
Low cost auto insurance in Indiana after an accident
Company | Monthly rate |
|---|---|
| Travelers | $180 |
| Auto-Owners | $182 |
| Progressive | $194 |
| State Farm | $210 |
| Farm Bureau | $245 |
*USAA is only available to current and former military members and their families.
In Indiana, having an accident on your record will increase your rates by an average of 46%, or $76 per month for full coverage insurance.
After an accident in Indiana, your insurance company must file a certificate of compliance with the Bureau of Motor Vehicles.
The certificate proves you have the minimum amount of insurance required to drive legally in Indiana. Be sure to ask your insurance agent or claims representative about filing the certificate once your insurance claim is underway.
Cheapest insurance in IN for teens after a ticket or accident: Progressive
Progressive has the best rates for Indiana teens with a bad driving record.
A minimum liability policy from Progressive costs $129 per month for an 18-year-old with a speeding ticket. That's $74 per month cheaper than the Indiana average.
Progressive also has the cheapest rates for teens after an accident. At around $138 per month, Progressive is $111 per month cheaper than the state average.
Indiana teens with a ticket or accident on their record should also look at Auto-Owners. The company has more reliable customer service than Progressive, so spending a little extra may be worth it if you ever get into an accident and have to make a claim.
Cheap quotes for Indiana teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Progressive | $129 | $138 |
| Auto-Owners | $143 | $182 |
| Travelers | $159 | $188 |
| Geico | $171 | $218 |
| State Farm | $211 | $248 |
*USAA is only available to current and former military members and their families.
In Indiana, teen car insurance rates go up by an average of 23% after one speeding ticket and 50% after an accident.
There's a difference of $312 per month between the most and least expensive insurance companies for teens after a crash. That's why it's so important for teens and their families to shop around for multiple quotes after a ticket or accident.
Cheapest Indiana car insurance after a DUI: Progressive
Progressive has the cheapest rates in Indiana for drivers with a recent DUI. At $156 per month, a full coverage policy from Progressive is $126 per month less expensive than the state average. It's also $30 per month less than the second-cheapest company, Travelers.
Most affordable car insurance in Indiana after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $156 |
| Travelers | $186 |
| Farm Bureau | $295 |
| State Farm | $304 |
| Geico | $308 |
*USAA is only available to current and former military members and their families.
Indiana drivers can see their rates go up by an average of 69% after a DUI. You may also need an SR-22 filing in Indiana after a DUI. An SR-22 filing typically costs between $15 and $50 on top of any increase in your insurance rates.
Cheapest quotes for Indiana drivers with poor credit: Travelers
Travelers has the best rates for drivers with poor credit in Indiana, at $210 per month for full coverage. That's $134 per month cheaper than the Indiana state average.
Cheap auto insurance in Indiana if you have poor credit
Company | Monthly rate |
|---|---|
| Travelers | $210 |
| Progressive | $217 |
| Geico | $254 |
| Farm Bureau | $338 |
| Allstate | $346 |
*USAA is only available to current and former military members and their families.
In Indiana, the average cost of car insurance is $344 per month for drivers with poor credit. That's almost twice as much as drivers with good credit pay for full coverage in Indiana.
Insurance companies typically charge higher rates for drivers with poor credit. That's because companies believe people with bad credit are more likely to file a claim.
Best car insurance in Indiana: USAA
USAA is the best insurance company in Indiana because of its affordable rates and excellent customer service.
But only military members, veterans and their family members can buy car insurance from USAA.
Auto-Owners offers the best mix of cheap rates and reliable customer service for people who can't get USAA. State Farm and Farm Bureau are also very well rated, but tend to be more expensive than Auto-Owners.
Top insurance companies in Indiana
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| Farm Bureau | 645 | A | |
| Auto-Owners | 638 | A+ | |
| Farmers | 622 | A |
Average car insurance cost in Indiana by city
Gary, a city near the Indiana-Illinois border, is the most expensive city in Indiana for car insurance.
Drivers in Gary pay an average of $259 per month for full coverage car insurance.
Tipton, a small city north of Indianapolis, has the cheapest rates in the state, at $159 per month.
Full coverage Indiana car insurance rates by city
City | Monthly rate | % from average |
|---|---|---|
| Aberdeen | $187 | 13% |
| Advance | $175 | 5% |
| Akron | $177 | 6% |
| Alamo | $173 | 4% |
| Albany | $166 | 0% |
Depending on where you live in Indiana, average full coverage car insurance rates can vary by as much as $100 per month.
Insurance is typically more expensive in places where accidents and auto theft are more common, especially large cities. That's because people living in these areas are more likely to file a claim, which makes them more expensive to insure.
Minimum car insurance requirements in Indiana
Indiana requires drivers to have a minimum amount of liability coverage to drive legally, sometimes written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
What's the best car insurance coverage for Indiana drivers?
Full coverage is the best choice for most people in Indiana.
That's because full coverage includes comprehensive and collision coverage, along with liability insurance.
- Collision coverage pays for damage to your car after an accident, regardless of whose fault it is.
- Comprehensive coverage pays for other types of damage to your car, including theft or storm damage.
Lenders typically require you to have full coverage car insurance if you have a car loan or lease. And it's a good idea for cars that are less than 8 years old or worth more than $5,000.
Minimum liability is the cheapest kind of auto insurance because it includes only coverage legally required by the state. In Indiana, minimum coverage insurance pays for injuries to others or damage to their property if you cause a crash.
But a minimum coverage policy won't pay for damage to your car. And the liability limits may not be high enough to cover the cost of an expensive wreck. For example, if you crash into a brand new pickup truck on the highway, $25,000 may not be enough to fully cover the cost to fix or replace it.
Frequently asked questions
What is the cheapest car insurance in Indiana?
In 2026, Travelers has the cheapest full coverage car insurance in Indiana, at $129 per month. That's around one-quarter less than the state average.
Auto-Owners is the cheapest company for minimum liability car insurance in Indiana, at $42 per month.
How much is car insurance in Indiana per month?
The average cost of full coverage car insurance in Indiana is $166 per month. Minimum coverage is $58 per month.
Is car insurance cheap in Indiana?
Car insurance in Indiana is much cheaper than the national average. Full coverage insurance in Indiana costs $126 per month, which is 23% less than average. At $44 per month, minimum liability insurance in Indiana is 30% cheaper than the national average.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Indiana from the state's largest insurance companies. Rates are for a 30-year-old man with good credit and a 2018 Honda Civic EX.
Full coverage quotes include higher liability limits than required in Indiana plus comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
