Based on our findings, USAA and State Farm are the cheapest car insurance providers operating in Indiana. USAA has an average rate of $31 a month for minimum-coverage auto insurance. State Farm has the second most affordable car insurance quote for minimum-coverage at $38 a month.
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Who has the cheapest car insurance in Indiana?
USAA and State Farm come in as the best car insurance companies in Indiana if you have a clean driving record and are looking for either minimum-coverage or full-coverage car insurance. Both USAA and State Farm have rates under the Indiana state averages of $31 a month for minimum-coverage car insurance and $130 a month for full coverage.
While USAA is hands down the cheapest car insurance company in Indiana, it provides insurance only to military members and their families.
Cheapest minimum-coverage car insurance in Indiana
Indiana drivers find the cheapest minimum-coverage car insurance with USAA at $31 a month. State Farm has the second-lowest average premium of $38 a month.
| Company | Monthly rate |
|---|---|
| USAA | $31 |
| State Farm | $38 |
| American Family | $48 |
| Progressive | $60 |
| Auto-Owners | $70 |
| GEICO | $83 |
| Allstate | $88 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage car insurance in Indiana
If you're looking for full-coverage car insurance in Indiana, USAA has the cheapest average rate of $67 a month and State Farm is next lowest at $77 a month.
| Company | Monthly rate |
|---|---|
| USAA | $67 |
| State Farm | $77 |
| American Family | $95 |
| Progressive | $126 |
| Allstate | $171 |
| Auto-Owners | $181 |
| GEICO | $192 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage auto insurance is the combination of liability coverage with collision and comprehensive coverage. Full coverage is important because liability insurance only covers damages or injuries you cause to others. If you've financed your car, your lender will probably require you to carry full-coverage insurance for the duration of the loan.
Cheapest car insurance for drivers with an accident history
If you have an accident on your auto insurance record, such as reckless driving, you will find the cheapest minimum-coverage rate with USAA at $100 a month. State Farm has the second-cheapest average premium at $103 a month.
| Company | Monthly rate |
|---|---|
| USAA | $100 |
| State Farm | $103 |
| American Family | $163 |
| Auto-Owners | $235 |
| Progressive | $261 |
| Allstate | $297 |
| GEICO | $305 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for drivers with a DUI
State Farm has the lowest average rate of $98 a month for minimum-coverage car insurance for Indiana drivers with a DUI. USAA is the second-cheapest rate at $104 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $98 |
| USAA | $104 |
| Progressive | $157 |
| American Family | $177 |
| Allstate | $228 |
| GEICO | $365 |
| Auto-Owners | $471 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
In Indiana, DUI is also known as operating a vehicle while intoxicated (OWI). An OWI stays on your driving record and will count as a prior forever. A first-offense OWI with a .08% blood alcohol content carries the following penalties:
- Up to 60 days in jail
- Up to $500 in fines
- Usually 180 days suspended license
If you have a suspended license, you will need to file an SR-22 to get your license reinstated. An SR-22 acts as proof that you carry Indiana's minimum-coverage car insurance. After a first-time license suspension due to a DUI, Indiana drivers are required to carry an SR-22 for three consecutive years.
Cheapest car insurance for drivers with a speeding ticket
Indiana drivers with a speeding ticket pay the cheapest average rate for auto liability insurance with State Farm at $84 a month. USAA is right behind at $85 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $84 |
| USAA | $85 |
| American Family | $108 |
| Auto-Owners | $181 |
| Progressive | $195 |
| Allstate | $225 |
| GEICO | $232 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Compare quotes from top car insurance companies
Cheapest Indiana car insurance companies for teen drivers
An 18-year-old driver in Indiana pays the cheapest rates for both minimum-coverage and full-coverage car insurance with Progressive and Allstate. These two providers are also the best for teen drivers with accidents, DUIs or speeding tickets on their records.
Teen Indiana drivers pay an average of $145 a month for minimum-coverage and $311 a month for full coverage. Teens pay the most for car insurance of any demographic. This is because car insurance companies consider teens to be high risk due to their relative inexperience driving.
Cheapest minimum-coverage car insurance for teens
Eighteen-year-old drivers in Indiana pay the cheapest minimum-coverage rates with Progressive, at an average of $61 a month. Allstate is second-cheapest at $83 a month.
| Company | Monthly |
|---|---|
| Progressive | $61 |
| Allstate | $83 |
| Nationwide | $121 |
| American Family | $176 |
| Country Mutual | $188 |
| Farmers Ins Co Of OR Annual Premium | $190 |
| GEICO Cas Annual Premium | $199 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage auto insurance for teen drivers
Progressive has the cheapest rate for teens looking for full-coverage, with an average of $134 a month. Allstate is the next most affordable at $160 a month.
| Company | Monthly |
|---|---|
| Progressive | $134 |
| Allstate | $160 |
| Nationwide | $250 |
| American Family | $342 |
| Geico | $417 |
| Country Mutual | $430 |
| Farmers | $446 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teens after an accident
If you're a teen driver with an accident on your record, your cheapest rate in Indiana is with Progressive at $188 a month. Allstate is the next-cheapest auto insurance company at $275 a month.
| Company | Monthly |
|---|---|
| Progressive | $188 |
| Allstate | $275 |
| Nationwide | $336 |
| American Family | $530 |
| Country Mutual | $562 |
| Geico | $697 |
| Farmers | $729 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teens with a DUI
Teen drivers in Indiana pay the lowest car insurance rates with Allstate at $212 a month if they have a DUI. Progressive is second-cheapest with an average premium of $214 a month.
| Company | Monthly |
|---|---|
| Allstate | $212 |
| Progressive | $214 |
| Nationwide | $321 |
| Geico | $478 |
| American Family | $718 |
| Farmers | $887 |
| Country Mutual | $1,210 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teens with a speeding ticket
Teens with a speeding ticket pay the lowest average rate with Progressive, at $171 a month. Allstate has the next-lowest rate at $209 a month.
| Company | Monthly |
|---|---|
| Progressive | $171 |
| Allstate | $209 |
| Nationwide | $273 |
| American Family | $421 |
| Country Mutual | $470 |
| Geico | $567 |
| Farmers | $588 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors in Indiana
USAA and State Farm have the cheapest rates straight down the line for senior drivers in Indiana. If you're looking for minimum- or full-coverage or you have accidents, DUIs or speeding tickets on your record, these two companies will have the best rates for you.
Comparing quotes from multiple providers is a smart idea if you're a senior looking for auto insurance. Seniors pay higher rates than younger drivers, except for teens, due to the risk that comes with decreased reflex time as we age.
Cheapest minimum-coverage auto insurance for seniors
For senior drivers looking for minimum-coverage car insurance, USAA has the cheapest average rate of $29 a month. State Farm has the next-lowest rate of $36 a month.
| Company | Monthly |
|---|---|
| USAA | $29 |
| State Farm | $36 |
| American Family | $43 |
| Progressive | $58 |
| Geico | $70 |
| Auto-Owners | $73 |
| Allstate | $88 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage car insurance for seniors
USAA has the cheapest average rate of $60 a month for seniors looking for full-coverage auto insurance. State Farm has the next most affordable average rate of $72 a month.
| Company | Monthly |
|---|---|
| USAA | $60 |
| State Farm | $72 |
| American Family | $86 |
| Progressive | $112 |
| Geico | $148 |
| Allstate | $171 |
| Auto-Owners | $173 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors with an accident record
If you have an accident on your auto insurance record, State Farm has the lowest rate at $96 a month. USAA is the next cheapest at $98 a month.
| Company | Monthly |
|---|---|
| State Farm | $96 |
| USAA | $98 |
| American Family | $148 |
| Auto-Owners | $226 |
| Progressive | $244 |
| Geico | $273 |
| Allstate | $297 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors after a DUI
Seniors with a DUI in Indiana pay the lowest rate with State Farm at $91 a month. USAA is the next-cheapest provider with an average rate of $93 a month.
| Company | Monthly |
|---|---|
| State Farm | $91 |
| USAA | $93 |
| Progressive | $142 |
| American Family | $159 |
| Allstate | $228 |
| Geico | $374 |
| Auto-Owners | $456 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors with a speeding ticket
Senior drivers with a speeding ticket can find their lowest car insurance rate with USAA at $76 a month. State Farm has the next-lowest rate of $79 a month.
| Company | Monthly |
|---|---|
| USAA | $76 |
| State Farm | $79 |
| American Family | $97 |
| Auto-Owners | $173 |
| Progressive | $178 |
| Geico | $222 |
| Allstate | $225 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Find cheap car insurance in Indiana
Cheapest car insurance rates in Indiana by city
Drivers in Bloomington pay the cheapest rates among Indiana's biggest cities with an average of $53 a month. Carmel, Indiana, residents have the next-lowest car insurance premium at $58 a month. Evansville drivers enjoy the third-cheapest rate in the state at $61 a month.
| City | Monthly rate |
|---|---|
| Bloomington | $53 |
| Carmel | $58 |
| Evansville | $61 |
| Fishers | $58 |
| Fort Wayne | $58 |
| Hammond | $72 |
| Indianapolis | $62 |
| Lafayette | $51 |
| Noblesville | $57 |
| South Bend | $55 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
What are Indiana's car insurance requirements?
Indiana law requires drivers to carry the following minimum liability insurance to drive legally:
- Bodily injury liability per person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage liability per accident: $25,000
On top of these liability limits, Indiana requires drivers to carry the following limits of uninsured/underinsured motorist insurance, unless rejected in writing:
- Uninsured motorist bodily injury per person: $25,000
- Uninsured motorist bodily injury per accident: $50,000
- Uninsured motorist property damage: $25,000
- Underinsured motorist bodily injury per person: $50,000
- Underinsured motorist bodily injury per accident: $50,000
Indiana minimum car insurance limits are the required, not recommended, limits. While the required limits may seem considerable, they can quickly be exhausted if your insurance provider has to pay for a long hospital stay or court hearing. Any expenses over your coverage limits will come out of your pocket, possibly costing thousands of dollars. To keep this from happening, we recommend raising your liability limits to the following:
- Bodily injury per person: $100,000
- Bodily injury per accident: $300,000
- Property damage liability per accident: $100,000
Methodology
QuoteWizard studied thousands of rates through Quadrant Information Services, using the following car insurance companies operating in Indiana:
- Allstate
- American Family
- Auto-Owners
- GEICO
- Progressive
- State Farm
- USAA
Unless otherwise noted, the car insurance quotes analyzed were for a single, 35-year-old male with a clean driving record. He drives a 2012 Honda Accord LX an average of 13,500 miles per year.
When discussing minimum-coverage car insurance, we used the following limits:
- Bodily injury liability per person: $100,000
- Bodily injury liability per accident: $300,000
- Property damage liability: $100,000
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