Why Compare Car Insurance Rates in Indiana:
The state of Indiana is ranked as one of the safest states to drive in the United States. The accident rates are on the lower side, putting the Indiana auto insurance premium in the inexpensive category. The average car insurance cost in Indiana is lower than the national average.
Just because car accident occurrences are rare does not mean that you would not need car insurance. Of course, you don't want to drain your bank account to get yourself car insurance. Shopping for the cheapest car insurance in Indiana can be frustrating and time-consuming due to the many options available. Always remember cheap car insurance in Indiana does not equal to best car insurance in Indiana.
Indiana's drivers currently pay only $354 a year to cover minimum and $1281 to cover full coverage, well below their country-wide average insurance premium at $567 for minimum and $1746 for full coverage.
If you want to access free car insurance quotes in Indiana you can get it online through Way.com or through an insurance agent who is well versed with the nitty-gritty of car insurance in Indiana.
As part of your Indiana car insurance policy, you must have the following car insurance coverage types and limits at the minimum:
| Coverage type | Coverage amount required |
|---|---|
| Bodily injury liability | $25000 per person and $50000 per accident |
| Property damage liability | $25000 per accident |
| Uninsured motorist bodily injury | $25000 per person and $50000 per accident |
| Uninsured motorist property damage | $25000 per accident |
| Underinsured motorist bodily injury | $50000 per person and $50000 per accident |
When it comes to obtaining the best auto insurance in Indiana, drivers have a lot of alternatives. Way.com collected current price quotes from Indiana insurance companies for the year 2022. We found which companies provided the most affordable coverage while still providing a wide range of coverage options and maintaining high financial stability and customer satisfaction scores.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $569 |
| State Farm | $265 |
| Progressive | $349 |
| Travelers | $387 |
| Auto Owners | $1033 |
| American Family Insurance | $309 |
| Indiana Farm Bureau | $370 |
| Nationwide | $445 |
| Farmers | $474 |
| Allstate | $670 |
| Auto-Owners Insurance Co | $243 |
| Westfield | $265 |
| Grange Insurance | $384 |
| Statewide Average | $444 |
Minimum coverage limitations can help you save money on your insurance premiums, but insurance experts recommend higher liability limits or even full coverage if you can afford it. If you cause an accident, the minimum liability limits are sometimes insufficient to pay all damages, and this could result in significant out-of-pocket payments.
Furthermore, minimum coverage does not protect your car; you must buy a comprehensive collision policy to get that coverage. Your lender will almost certainly need you to carry full coverage auto insurance if you have a loan or lease.
To be considered a licensed driver, nearly every state requires some form of car insurance coverage. These minimums are known as limits since they represent the maximum amount that car insurance will pay out in a claim. However, most firms provide higher coverage amounts.
The coverage limits are set by each state and are usually divided into three figures, which are referred to as split limits. This is written as 25/50/25 in Indiana. The first two numbers refer to per-person and per-accident physical injury coverage, respectively, while the last number refers to property damage coverage.
The bodily injury coverage per person limit is the highest amount an insurer will pay for a single individual injured in a car accident.
Suppose more than one person is injured in an accident. In that case, the bodily injury coverage per accident is the maximum monetary amount paid for all injuries caused by you.
The maximum cash amount that insurance will pay for damage caused by you in an accident is the property damage per accident limit.
In Indiana, personal injury protection (PIP) is not needed. In Indiana, PIP isn't even available. Instead of PIP insurance, Indiana insurers offer medical payments insurance (often known as MedPay), covering hospital expenditures incurred due to a car accident.
MedPay and PIP insurance are similar in that they both cover your medical expenditures even if you cause a car accident. MedPay, on the other hand, is less comprehensive than personal injury protection, with no provisions for lost pay or assistance with household chores that you are unable to perform owing to your injury.
In no-fault states, personal injury protection is a type of car insurance that covers medical expenses regardless of who caused the collision.
Indiana is an at-fault state, which means that following a collision, at least one driver is determined to be "at blame."
The average cost of insurance in Indiana – $1077 – is relatively inexpensive compared to most PIP states and other non-PIP states, thanks partly to variances in car insurance rules.
To be a legal driver in Indiana, you only need liability insurance. On the other hand, most insurance companies offer several auto insurance coverage options to provide further protection.
Motorists in Indiana are obliged to get car insurance to be considered legal drivers. Proof of insurance must be carried at all times when driving and produced to law enforcement officers upon request.
In Indiana, if you are caught driving without the required insurance coverage, you can expect the following penalties:
Due to its low population density and competitive insurance market, Indiana is one of the most affordable states in the US for car insurance. Drivers in Indiana may expect to pay an average of $378 for minimal coverage and $1269 for full coverage per year.
These typical prices are less expensive than the national average for vehicle insurance, which is $573 for minimal coverage and $1683 for full coverage each year. Indiana's low insurance costs could be attributed to the state's declining number of licensed drivers.
| Annual premium for minimum coverage | Annual premium for full coverage in Indiana |
|---|---|
| $378 | $1269 |
Car accidents in cars are never planned, and this is precisely why having car insurance is so critical. Not having the correct coverage — or high enough limits — can cost you a lot of money in addition to fines. When you can afford it, it's always a good idea to raise your limits or buy more coverage. Comparing quotes is the most effective way to find the car insurance you require.
Indiana, home of the Indianapolis 500, has a long history of celebrating cars. Even if you don't drive an Indy racing car, you'll still need Indiana auto insurance. When it comes to Indiana auto insurance, there are a lot of coverage alternatives to think about. You may begin your online car insurance quotation at any time.
Way.com can assist you in comparing rates from several top insurance companies to obtain coverage that protects you and your valuables.
If a good driver gets auto insurance from USAA, they'll pay 46% less than the state average. Allstate has the most expensive car insurance for good drivers in Indiana, charging 41 percent more than the state average.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $590 |
| State Farm | $661 |
| Progressive | $784 |
| Travelers | $802 |
| American Family Insurance | $561 |
| Indiana Farm Bureau | $925 |
| Nationwide | $851 |
| Farmers | $882 |
| Allstate | $1,047 |
| Auto Owners Insurance Co | $602 |
| Westfield | $719 |
| Grange Insurance | $843 |
| Statewide Average | $772 |
In Indiana, the average annual cost of affordable auto insurance for 18-year-old drivers is $3,534. USAA has the best rates for young drivers in Indiana, with an average yearly cost of $2,112 for minimal coverage, which is more than $1,412 less than the state average. State-Farm, which costs $2,290 each year, is another low-cost choice.
Young drivers' car insurance is often more expensive than older drivers' since they have less driving experience. Younger drivers' full coverage auto insurance costs an average of $3162 per year, which is 135 percent more than 30-year-olds.
| COMPANY | 17-YEAR-OLD FEMALE | 17-YEAR-OLD MALE |
|---|---|---|
| Allstate | $1,402 | $1.402 |
| American Family Insurance | $4,222 | $4,524 |
| Farmers | $1,351 | $1,435 |
| Indiana Farm Bureau | $3,437 | $4,852 |
| Nationwide | $1,505 | $1,640 |
| Progressive | $1,636 | $3,341 |
| State Farm | $1,378 | $1,754 |
| Travelers | $1,433 | $1,770 |
| USAA | $1,461 | $1,625 |
| Auto-Owners Insurance Co | $1835 | $1865 |
| Statewide Average | $1,966 | $2,281 |
Slowing down can help you save a little or a lot of money. A speeder may expect to pay $735 more per year for auto insurance than a driver with a clean driving record in Indiana. After a speeding violation, State Farm raises its rates by only approximately $68 per year, but Farmers Insurance's average rate increases by $471.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $735 |
| State Farm | $723 |
| Erie | $1,005 |
| Progressive | $1,201 |
| Travelers | $1,112 |
| American Family Insurance | $712 |
| Indiana Farm Bureau | $1,135 |
| Nationwide | $1,093 |
| Farmers | $1,172 |
| Allstate | $1,260 |
| Auto Owners Insurance Co | $741 |
| Westfield | $855 |
| Grange Insurance | 1,288 |
| Statewide Average | $1,002 |
Compared to the average Indiana premium for drivers with a clean record, your insurance rate with Indiana's most expensive insurer, Allstate, can spike by 119% if you've been in an accident. When compared to USAA-insured drivers with a clean driving record, your car insurance rate will increase by $278 on average.
You will, however, pay roughly 20% less than the general average premium for Indiana citizens with a clean driving record.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $878 |
| State Farm | $930 |
| Auto owners | $1,383 |
| Travelers | $1,162 |
| American Family Insurance | $741 |
| Progressive | $1,565 |
| Indiana Farm Bureau | $1,420 |
| Farmers | $1,415 |
| Nationwide | $1,360 |
| Allstate | $1,505 |
| Auto-Owners Insurance Co | $778 |
| Grange Insurance | $1,160 |
| Westfield | $1,565 |
| Statewide Average | $1,220 |
Driving while intoxicated is a huge public health risk, and it also harms your car insurance costs. For Indiana drivers with a DUI, Auto Owners hikes their rates by 98% on average. After a DUI, the cheapest insurer, USAA, raises its average vehicle insurance rate by 57%.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $923 |
| Progressive | $985 |
| State Farm | $835 |
| Erie | $1,303 |
| American Family Insurance | $712 |
| Travelers | $1,281 |
| Allstate | $1,275 |
| Farmers | $1,281 |
| Indiana Farm Bureau | $1,705 |
| Nationwide | $1,645 |
| Auto Owners | $2,609 |
| Grange Insurance | $1,515 |
| Auto-Owners Insurance Co | $1,595 |
| Westfield | $1,874 |
| Statewide Average | $1,488 |
In Indiana, USAA offers the lowest average rates for married drivers, followed by State Farm and Auto Owners. Progressive provides the highest discount of any company, at 16%. Compared to single or unmarried drivers, married drivers can save money on their auto insurance costs. Compared to single drivers, married drivers can save an average of $38 per year.
| Company | Monthly rate |
|---|---|
| USAA | $701 |
| State Farm | $953 |
| Auto-Owners | $1073 |
| Progressive | $1337 |
| American Family | $1457 |
| Allstate | $2261 |
American Family Insurance offers the most affordable car insurance for 25-year-olds who have been in an accident, at $798 per year. Accidents almost usually result in a considerable increase in the cost of auto insurance, which means that rates for younger drivers who have been in an at-fault collision can be many times more than for other drivers.
| Company | Annual Premium |
|---|---|
| American Family | $798 |
| Auto-Owners Insurance Co | $1,051 |
| Grange Insurance | $1,184 |
| State Farm | $1,196 |
| Nationwide | $1,658 |
| Westfield | $1,787 |
| Allstate | $1,847 |
| Progressive | $1,898 |
| Travelers | $1,272 |
| Indiana Farm Bureau | $1,606 |
| Farmers | $1,618 |
The city of Gary has the most expensive car insurance premium in the state of Indiana. This is because Gary is just 25 miles from Chicago city center. That makes the roads between Gary and Chicago busy. The average insurance rate in Gary is $1318.
The cheapest car insurance in Gary, Indiana is Progressive that provides rates at $32 per month.
| City | Annual Rate |
|---|---|
| Aberdeen | $1,409 |
| Advance | $1,301 |
| Akron | $1,337 |
| Alamo | $1,289 |
| Albany | $1,241 |
| Albion | $1,301 |
| Alexandria | $1,265 |
| Altona | $1,265 |
| Ambia | $1,277 |
| Amboy | $1,241 |
| Americus | $1,229 |
| Amo | $1,385 |
| Anderson | $1,301 |
| Andrews | $1,265 |
| Angola | $1,289 |
| Arcadia | $1,301 |
| Arcola | $1,313 |
| Argos | $1,313 |
| Arlington | $1,289 |
| Ashley | $1,301 |
| Athens | $1,337 |
| Atlanta | $1,277 |
| Attica | $1,277 |
| Atwood | $1,277 |
| Auburn | $1,265 |
| Aurora | $1,421 |
| Austin | $1,445 |
| Avilla | $1,277 |
| Avoca | $1,397 |
| Avon | $1,337 |
| Bainbridge | $1,361 |
| Bargersville | $1,337 |
| Bass Lake | $1,409 |
| Batesville | $1,361 |
| Bath | $1,337 |
| Battle Ground | $1,253 |
| Bedford | $1,409 |
| Beech Grove | $1,445 |
| Bellmore | $1,493 |
| Bennington | $1,457 |
| Bentonville | $1,313 |
| Berne | $1,205 |
| Bethlehem | $1,469 |
| Beverly Shores | $1,445 |
| Bicknell | $1,373 |
| Bippus | $1,265 |
| Birdseye | $1,301 |
| Blanford | $1,349 |
| Bloomfield | $1,397 |
| Bloomingdale | $1,361 |
| Bloomington | $1,313 |
| Bluffton | $1,229 |
| Boggstown | $1,325 |
| Boone Grove | $1,433 |
| Boonville | $1,397 |
| Borden | $1,469 |
| Boswell | $1,289 |
| Bourbon | $1,325 |
| Bowling Green | $1,409 |
| Bradford | $1,469 |
| Branchville | $1,361 |
| Brazil | $1,409 |
| Bremen | $1,313 |
| Bridgeton | $1,349 |
| Bright | $1,409 |
| Brimfield | $1,289 |
| Bringhurst | $1,301 |
| Bristol | $1,277 |
| Bristow | $1,349 |
| Brook | $1,373 |
| Brooklyn | $1,313 |
| Brookston | $1,325 |
| Brookville | $1,409 |
| Brownsburg | $1,313 |
| Brownstown | $1,397 |
| Brownsville | $1,277 |
| Bruceville | $1,373 |
| Bryant | $1,217 |
| Buckskin | $1,373 |
| Buffalo | $1,349 |
| Bunker Hill | $1,253 |
| Burket | $1,277 |
| Burlington | $1,313 |
| Burnettsville | $1,373 |
| Burns Harbor | $1,409 |
| Burrows | $1,325 |
| Butler | $1,289 |
| Butlerville | $1,385 |
| Cambridge City | $1,253 |
| Camby | $1,457 |
| Camden | $1,325 |
| Campbellsburg | $1,469 |
| Canaan | $1,445 |
| Cannelburg | $1,349 |
| Cannelton | $1,361 |
| Carbon | $1,421 |
| Carlisle | $1,445 |
| Carmel | $1,289 |
| Carthage | $1,313 |
| Cayuga | $1,373 |
| Cedar Grove | $1,385 |
| Cedar Lake | $1,481 |
| Celestine | $1,277 |
| Centerpoint | $1,409 |
| Centerville | $1,265 |
| Central | $1,481 |
| Chalmers | $1,349 |
| Chandler | $1,397 |
| Charlestown | $1,445 |
| Charlottesville | $1,325 |
| Chesterfield | $1,277 |
| Chesterton | $1,409 |
| Chrisney | $1,385 |
| Churubusco | $1,277 |
| Cicero | $1,301 |
| Clarks Hill | $1,265 |
| Clarksburg | $1,325 |
| Clarksville | $1,445 |
| Clay City | $1,421 |
| Claypool | $1,289 |
| Clayton | $1,301 |
| Clear Lake | $1,301 |
| Clermont | $1,457 |
| Clifford | $1,277 |
| Clinton | $1,361 |
| Coal City | $1,433 |
| Coalmont | $1,433 |
| Coatesville | $1,373 |
| Colfax | $1,265 |
| Columbia City | $1,241 |
| Columbus | $1,277 |
| Commiskey | $1,397 |
| Connersville | $1,289 |
| Converse | $1,277 |
| Cordry Sweetwater Lakes | $1,409 |
| Cortland | $1,373 |
| Corunna | $1,277 |
| Cory | $1,397 |
| Corydon | $1,481 |
| Country Club Heights | $1,289 |
| Country Squire Lakes | $1,397 |
| Covington | $1,301 |
| Craigville | $1,229 |
| Crandall | $1,481 |
| Crane | $1,385 |
| Crane Naval Depot | $1,385 |
| Crawfordsville | $1,253 |
| Cromwell | $1,301 |
| Cross Plains | $1,397 |
| Crothersville | $1,373 |
| Crown Point | $1,481 |
| Culver | $1,349 |
| Cumberland | $1,481 |
| Cutler | $1,313 |
| Cynthiana | $1,421 |
| Dale | $1,349 |
| Daleville | $1,241 |
| Dana | $1,385 |
| Danville | $1,301 |
| Darlington | $1,241 |
| Dayton | $1,241 |
| De Motte | $1,433 |
| Decatur | $1,217 |
| Decker | $1,361 |
| Deedsville | $1,325 |
| Delong | $1,361 |
| Delphi | $1,325 |
| Denver | $1,289 |
| Depauw | $1,481 |
| Deputy | $1,433 |
| Derby | $1,361 |
| Dillsboro | $1,421 |
| Donaldson | $1,349 |
| Dublin | $1,277 |
| Dubois | $1,289 |
| Dugger | $1,409 |
| Dunkirk | $1,241 |
| Dunlap | $1,277 |
| Dunreith | $1,289 |
| Dupont | $1,433 |
| Dyer | $1,493 |
| Earl Park | $1,265 |
| East Chicago | $1,949 |
| East Enterprise | $1,445 |
| Eaton | $1,241 |
| Eckerty | $1,445 |
| Economy | $1,253 |
| Edgewood | $1,289 |
| Edinburgh | $1,325 |
| Edwardsport | $1,373 |
| Elberfeld | $1,361 |
| Elizabeth | $1,469 |
| Elizabethtown | $1,289 |
| Elkhart | $1,289 |
| Ellettsville | $1,361 |
| Elnora | $1,385 |
| Elwood | $1,265 |
| Eminence | $1,409 |
| English | $1,457 |
| Etna Green | $1,277 |
| Evanston | $1,337 |
| Evansville | $1,409 |
| Fair Oaks | $1,409 |
| Fairland | $1,337 |
| Fairmount | $1,289 |
| Fairview Park | $1,361 |
| Falmouth | $1,313 |
| Farmersburg | $1,433 |
| Farmland | $1,229 |
| Fillmore | $1,361 |
| Finly | $1,337 |
| Fish Lake | $1,361 |
| Fishers | $1,325 |
| Flat Rock | $1,277 |
| Flora | $1,301 |
| Florence | $1,457 |
| Floyds Knobs | $1,457 |
| Fontanet | $1,409 |
| Fort Branch | $1,385 |
| Fort Wayne | $1,337 |
| Fortville | $1,337 |
| Fountain City | $1,265 |
| Fountaintown | $1,337 |
| Fowler | $1,289 |
| Fowlerton | $1,301 |
| Francesville | $1,349 |
| Francisco | $1,361 |
| Frankfort | $1,253 |
| Franklin | $1,313 |
| Frankton | $1,277 |
| Fredericksburg | $1,481 |
| Freedom | $1,385 |
| Freelandville | $1,385 |
| Freetown | $1,409 |
| Fremont | $1,301 |
| French Lick | $1,409 |
| Friendship | $1,373 |
| Fulda | $1,373 |
| Fulton | $1,349 |
| Galveston | $1,301 |
| Garrett | $1,277 |
| Gary | $1,961 |
| Gas City | $1,265 |
| Gaston | $1,229 |
| Geneva | $1,217 |
| Gentryville | $1,349 |
| Georgetown | $1,481 |
| Glenwood | $1,277 |
| Goldsmith | $1,265 |
| Goodland | $1,373 |
| Goshen | $1,277 |
| Gosport | $1,373 |
| Grabill | $1,289 |
| Grammer | $1,313 |
| Grandview | $1,373 |
| Granger | $1,301 |
| Grantsburg | $1,457 |
| Grass Creek | $1,361 |
| Graysville | $1,409 |
| Greencastle | $1,349 |
| Greendale | $1,409 |
| Greenfield | $1,301 |
| Greens Fork | $1,301 |
| Greensburg | $1,301 |
| Greentown | $1,313 |
| Greenwood | $1,337 |
| Griffin | $1,409 |
| Griffith | $1,553 |
| Grissom AFB | $1,277 |
| Grovertown | $1,373 |
| Guilford | $1,421 |
| Gwynneville | $1,325 |
| Hagerstown | $1,265 |
| Hamilton | $1,313 |
| Hamlet | $1,385 |
| Hammond | $1,805 |
| Hanna | $1,397 |
| Hanover | $1,421 |
| Hardinsburg | $1,469 |
| Harlan | $1,289 |
| Harrodsburg | $1,301 |
| Hartford City | $1,229 |
| Hartsville | $1,253 |
| Hatfield | $1,397 |
| Haubstadt | $1,385 |
| Hayden | $1,385 |
| Hazleton | $1,361 |
| Hebron | $1,457 |
| Helmsburg | $1,433 |
| Heltonville | $1,409 |
| Hemlock | $1,325 |
| Henryville | $1,469 |
| Heritage Lake | $1,385 |
| Hidden Valley | $1,409 |
| Highland | $1,457 |
| Hillsboro | $1,313 |
| Hillsdale | $1,409 |
| Hoagland | $1,277 |
| Hobart | $1,505 |
| Hobbs | $1,277 |
| Holland | $1,301 |
| Holton | $1,373 |
| Homecroft | $1,493 |
| Homer | $1,301 |
| Hope | $1,253 |
| Howe | $1,325 |
| Hudson | $1,301 |
| Hudson Lake | $1,349 |
| Huntertown | $1,289 |
| Huntingburg | $1,289 |
| Huntington | $1,229 |
| Huron | $1,397 |
| Hymera | $1,385 |
| Idaville | $1,349 |
| Indian Heights | $1,301 |
| Indianapolis | $1,493 |
| Ingalls | $1,349 |
| Inglefield | $1,397 |
| Ireland | $1,289 |
| Jamestown | $1,277 |
| Jasonville | $1,409 |
| Jasper | $1,277 |
| Jeffersonville | $1,481 |
| Jonesboro | $1,289 |
| Jonesville | $1,277 |
| Kempton | $1,265 |
| Kendallville | $1,277 |
| Kennard | $1,301 |
| Kentland | $1,349 |
| Kewanna | $1,349 |
| Keystone | $1,229 |
| Kimmell | $1,313 |
| Kingman | $1,337 |
| Kingsbury | $1,409 |
| Kingsford Heights | $1,397 |
| Knightstown | $1,265 |
| Knightsville | $1,409 |
| Knox | $1,409 |
| Kokomo | $1,301 |
| Koleen | $1,541 |
| Koontz Lake | $1,361 |
| Kouts | $1,421 |
| Kurtz | $1,385 |
| La Crosse | $1,397 |
| La Fontaine | $1,241 |
| La Paz | $1,349 |
| La Porte | $1,421 |
| Laconia | $1,481 |
| Ladoga | $1,265 |
| Lafayette | $1,229 |
| Lagrange | $1,301 |
| Lake Cicott | $1,289 |
| Lake Dalecarlia | $1,433 |
| Lake Santee | $1,301 |
| Lake Station | $1,721 |
| Lake Village | $1,445 |
| Lakes Of The Four Seasons | $1,481 |
| Laketon | $1,277 |
| Lakeville | $1,337 |
| Lamar | $1,337 |
| Landess | $1,301 |
| Lanesville | $1,457 |
| Laotto | $1,289 |
| Lapel | $1,313 |
| Larwill | $1,289 |
| Lawrence | $1,517 |
| Lawrenceburg | $1,409 |
| Leavenworth | $1,469 |
| Lebanon | $1,241 |
| Leesburg | $1,277 |
| Leiters Ford | $1,349 |
| Leo | $1,301 |
| Leo-Cedarville | $1,289 |
| Leopold | $1,361 |
| Leroy | $1,469 |
| Lewis | $1,433 |
| Lewisville | $1,253 |
| Liberty | $1,289 |
| Liberty Center | $1,265 |
| Liberty Mills | $1,289 |
| Ligonier | $1,289 |
| Lincoln City | $1,349 |
| Linden | $1,253 |
| Linn Grove | $1,253 |
| Linton | $1,385 |
| Lizton | $1,301 |
| Logansport | $1,289 |
| Long Beach | $1,421 |
| Loogootee | $1,361 |
| Losantville | $1,241 |
| Lowell | $1,433 |
| Lucerne | $1,301 |
| Lynn | $1,217 |
| Lynnville | $1,373 |
| Lyons | $1,385 |
| Mackey | $1,385 |
| Macy | $1,325 |
| Madison | $1,433 |
| Manilla | $1,265 |
| Marengo | $1,469 |
| Mariah Hill | $1,349 |
| Marion | $1,289 |
| Markle | $1,241 |
| Markleville | $1,325 |
| Marshall | $1,373 |
| Martinsville | $1,373 |
| Marysville | $1,469 |
| Matthews | $1,265 |
| Mauckport | $1,481 |
| Maxwell | $1,325 |
| Mays | $1,301 |
| McCordsville | $1,349 |
| Mecca | $1,385 |
| Medaryville | $1,373 |
| Medora | $1,409 |
| Mellott | $1,325 |
| Melody Hill | $1,409 |
| Memphis | $1,457 |
| Mentone | $1,289 |
| Meridian Hills | $1,433 |
| Merom | $1,409 |
| Merrillville | $1,517 |
| Metamora | $1,349 |
| Mexico | $1,265 |
| Miami | $1,301 |
| Michiana Shores | $1,421 |
| Michigan City | $1,433 |
| Michigantown | $1,265 |
| Middlebury | $1,301 |
| Middletown | $1,277 |
| Midland | $1,421 |
| Milan | $1,397 |
| Milford | $1,277 |
| Mill Creek | $1,349 |
| Millersburg | $1,313 |
| Millhousen | $1,493 |
| Milltown | $1,457 |
| Milroy | $1,289 |
| Milton | $1,265 |
| Mishawaka | $1,313 |
| Mitchell | $1,409 |
| Modoc | $1,229 |
| Mongo | $1,313 |
| Monon | $1,337 |
| Monroe | $1,217 |
| Monroe City | $1,373 |
| Monroeville | $1,277 |
| Monrovia | $1,361 |
| Monterey | $1,361 |
| Montezuma | $1,397 |
| Montgomery | $1,373 |
| Monticello | $1,337 |
| Montmorenci | $1,241 |
| Montpelier | $1,241 |
| Mooreland | $1,265 |
| Moores Hill | $1,433 |
| Mooresville | $1,301 |
| Morgantown | $1,373 |
| Morocco | $1,397 |
| Morris | $1,361 |
| Morristown | $1,325 |
| Mount Auburn | $1,253 |
| Mount Ayr | $1,409 |
| Mount Saint Francis | $1,457 |
| Mount Summit | $1,277 |
| Mount Vernon | $1,409 |
| Mulberry | $1,265 |
| Muncie | $1,229 |
| Munster | $1,553 |
| Muscatatuck | $1,385 |
| Nabb | $1,469 |
| Napoleon | $1,361 |
| Nappanee | $1,301 |
| Nashville | $1,457 |
| Nebraska | $1,385 |
| Needham | $1,313 |
| New Albany | $1,433 |
| New Carlisle | $1,337 |
| New Castle | $1,265 |
| New Chicago | $1,625 |
| New Goshen | $1,385 |
| New Harmony | $1,409 |
| New Haven | $1,313 |
| New Lisbon | $1,289 |
| New Market | $1,313 |
| New Middletown | $1,457 |
| New Palestine | $1,349 |
| New Paris | $1,301 |
| New Point | $1,325 |
| New Richmond | $1,265 |
| New Ross | $1,241 |
| New Salisbury | $1,493 |
| New Trenton | $1,373 |
| New Washington | $1,481 |
| New Waverly | $1,289 |
| New Whiteland | $1,325 |
| Newberry | $1,397 |
| Newburgh | $1,397 |
| Newport | $1,361 |
| Newtown | $1,313 |
| Noblesville | $1,289 |
| Nora | $1,325 |
| Norman | $1,397 |
| North Judson | $1,385 |
| North Liberty | $1,337 |
| North Manchester | $1,277 |
| North Salem | $1,361 |
| North Terre Haute | $1,397 |
| North Vernon | $1,397 |
| North Webster | $1,289 |
| Norway | $1,337 |
| Notre Dame | $1,337 |
| Oakford | $1,325 |
| Oakland City | $1,349 |
| Oaktown | $1,385 |
| Oakville | $1,289 |
| Odon | $1,373 |
| Ogden Dunes | $1,433 |
| Oldenburg | $1,325 |
| Onward | $1,325 |
| Oolitic | $1,397 |
| Ora | $1,385 |
| Orestes | $1,277 |
| Orland | $1,313 |
| Orleans | $1,421 |
| Osceola | $1,301 |
| Osgood | $1,361 |
| Ossian | $1,253 |
| Otisco | $1,493 |
| Otterbein | $1,277 |
| Otwell | $1,301 |
| Owensburg | $1,409 |
| Owensville | $1,385 |
| Oxford | $1,301 |
| Palmyra | $1,481 |
| Paoli | $1,433 |
| Paragon | $1,445 |
| Paris Crossing | $1,385 |
| Parker City | $1,217 |
| Patoka | $1,373 |
| Patricksburg | $1,409 |
| Patriot | $1,457 |
| Paxton | $1,421 |
| Pekin | $1,505 |
| Pendleton | $1,325 |
| Pennville | $1,241 |
| Perrysville | $1,349 |
| Peru | $1,277 |
| Petersburg | $1,313 |
| Petroleum | $1,253 |
| Pierceton | $1,277 |
| Pierceville | $1,385 |
| Pimento | $1,433 |
| Pine Village | $1,289 |
| Pittsboro | $1,313 |
| Plainfield | $1,349 |
| Plainville | $1,385 |
| Pleasant Lake | $1,289 |
| Pleasant Mills | $1,241 |
| Plymouth | $1,337 |
| Point Isabel | $1,289 |
| Poland | $1,409 |
| Poneto | $1,217 |
| Portage | $1,421 |
| Porter | $1,409 |
| Portland | $1,241 |
| Poseyville | $1,421 |
| Princes Lakes | $1,397 |
| Princeton | $1,373 |
| Purdue University | $1,217 |
| Putnamville | $1,349 |
| Quincy | $1,433 |
| Ragsdale | $1,373 |
| Ramsey | $1,469 |
| Redkey | $1,265 |
| Reelsville | $1,361 |
| Remington | $1,373 |
| Rensselaer | $1,373 |
| Reynolds | $1,361 |
| Richland | $1,385 |
| Richmond | $1,241 |
| Ridgeville | $1,229 |
| Rising Sun | $1,433 |
| Roachdale | $1,325 |
| Roann | $1,289 |
| Roanoke | $1,265 |
| Rochester | $1,313 |
| Rockfield | $1,337 |
| Rockport | $1,385 |
| Rockville | $1,373 |
| Rocky Ripple | $1,601 |
| Rolling Prairie | $1,409 |
| Rome | $1,349 |
| Rome City | $1,301 |
| Romney | $1,241 |
| Rosedale | $1,385 |
| Roseland | $1,325 |
| Roselawn | $1,421 |
| Rossville | $1,277 |
| Royal Center | $1,337 |
| Rushville | $1,265 |
| Russellville | $1,385 |
| Russiaville | $1,313 |
| Saint Anthony | $1,289 |
| Saint Croix | $1,385 |
| Saint Joe | $1,289 |
| Saint Meinrad | $1,349 |
| Saint Paul | $1,301 |
| Salamonia | $1,253 |
| Salem | $1,469 |
| Salt Creek Commons | $1,409 |
| San Pierre | $1,373 |
| Sandborn | $1,397 |
| Santa Claus | $1,337 |
| Saratoga | $1,217 |
| Schererville | $1,493 |
| Schneider | $1,445 |
| Schnellville | $1,289 |
| Scipio | $1,349 |
| Scotland | $1,397 |
| Scottsburg | $1,469 |
| Sedalia | $1,289 |
| Seelyville | $1,397 |
| Sellersburg | $1,445 |
| Selma | $1,241 |
| Servia | $1,289 |
| Seymour | $1,373 |
| Shadeland | $1,229 |
| Sharpsville | $1,289 |
| Shelburn | $1,409 |
| Shelbyville | $1,277 |
| Shepardsville | $1,385 |
| Sheridan | $1,277 |
| Shipshewana | $1,313 |
| Shirley | $1,313 |
| Shoals | $1,397 |
| Shorewood Forest | $1,421 |
| Silver Lake | $1,277 |
| Simonton Lake | $1,277 |
| Smithville | $1,361 |
| Smithville-Sanders | $1,325 |
| Solsberry | $1,397 |
| Somerset | $1,277 |
| Somerville | $1,385 |
| South Bend | $1,349 |
| South Haven | $1,409 |
| South Milford | $1,325 |
| South Whitley | $1,265 |
| Southport | $1,493 |
| Speedway | $1,505 |
| Spencer | $1,397 |
| Spencerville | $1,289 |
| Spiceland | $1,241 |
| Springport | $1,277 |
| Springville | $1,409 |
| Spurgeon | $1,349 |
| St. Bernice | $1,361 |
| St. John | $1,493 |
| St. Mary of the Woods | $1,421 |
| Stanford | $1,349 |
| Star City | $1,349 |
| State Line | $1,301 |
| Staunton | $1,409 |
| Stendal | $1,325 |
| Stilesville | $1,385 |
| Stinesville | $1,361 |
| Stockwell | $1,229 |
| Straughn | $1,253 |
| Stroh | $1,325 |
| Sullivan | $1,397 |
| Sulphur | $1,457 |
| Sulphur Springs | $1,301 |
| Sumava Resorts | $1,421 |
| Summitville | $1,301 |
| Sunman | $1,397 |
| Swayzee | $1,301 |
| Sweetser | $1,289 |
| Switz City | $1,373 |
| Syracuse | $1,265 |
| Talbot | $1,445 |
| Taswell | $1,445 |
| Taylorsville | $1,277 |
| Tefft | $1,385 |
| Tell City | $1,349 |
| Templeton | $1,313 |
| Tennyson | $1,385 |
| Terre Haute | $1,409 |
| Thayer | $1,409 |
| Thorntown | $1,289 |
| Tipton | $1,241 |
| Topeka | $1,301 |
| Town of Pines | $1,457 |
| Trafalgar | $1,373 |
| Trail Creek | $1,421 |
| Tri-Lakes | $1,241 |
| Troy | $1,337 |
| Tunnelton | $1,373 |
| Twelve Mile | $1,301 |
| Tyner | $1,349 |
| Underwood | $1,493 |
| Union City | $1,229 |
| Union Mills | $1,409 |
| Uniondale | $1,229 |
| Unionville | $1,361 |
| Universal | $1,337 |
| Upland | $1,265 |
| Urbana | $1,265 |
| Utica | $1,469 |
| Vallonia | $1,421 |
| Valparaiso | $1,397 |
| Van Buren | $1,289 |
| Veedersburg | $1,325 |
| Velpen | $1,325 |
| Versailles | $1,385 |
| Vevay | $1,469 |
| Vincennes | $1,349 |
| Wabash | $1,277 |
| Wadesville | $1,421 |
| Wakarusa | $1,313 |
| Waldron | $1,265 |
| Walkerton | $1,349 |
| Wallace | $1,325 |
| Walton | $1,301 |
| Wanatah | $1,397 |
| Warren | $1,241 |
| Warren Park | $1,517 |
| Warsaw | $1,241 |
| Washington | $1,361 |
| Waterloo | $1,277 |
| Waveland | $1,301 |
| Wawaka | $1,289 |
| Waynetown | $1,265 |
| Webster | $1,265 |
| West Baden Springs | $1,421 |
| West College Corner | $1,349 |
| West Harrison | $1,421 |
| West Lafayette | $1,229 |
| West Lebanon | $1,289 |
| West Middleton | $1,337 |
| West Newton | $1,481 |
| West Terre Haute | $1,421 |
| Westfield | $1,289 |
| Westphalia | $1,397 |
| Westpoint | $1,241 |
| Westport | $1,361 |
| Westville | $1,421 |
| Wheatfield | $1,397 |
| Wheatland | $1,373 |
| Wheeler | $1,601 |
| Whiteland | $1,325 |
| Whitestown | $1,277 |
| Whiting | $1,781 |
| Wilkinson | $1,313 |
| Williams | $1,421 |
| Williams Creek | $1,433 |
| Williamsburg | $1,265 |
| Williamsport | $1,301 |
| Winamac | $1,337 |
| Winchester | $1,217 |
| Windfall | $1,265 |
| Winfield | $1,493 |
| Wingate | $1,277 |
| Winona Lake | $1,253 |
| Winslow | $1,325 |
| Wolcott | $1,349 |
| Wolcottville | $1,313 |
| Wolflake | $1,313 |
| Woodburn | $1,265 |
| Worthington | $1,385 |
| Wyatt | $1,373 |
| Yeoman | $1,349 |
| Yoder | $1,265 |
| Yorktown | $1,253 |
| Young America | $1,301 |
| Zanesville | $1,289 |
| Zionsville | $1313 |
Cheap auto insurance in Indiana with bad credit
| Company | Avg. Annual Premium |
|---|---|
| Auto-Owners Insurance Co | $1,656 |
| USAA | $1,756 |
| Farmers | $1,343 |
| Progressive | $2,485 |
| State Farm | $1,650 |
| Allstate | $1,301 |
| Indiana Farm Bureau | $1,932 |
| American Family | $879 |
| Nationwide | $1,058 |
| Grange Insurance | $10,99 |
| Travelers | $1,255 |
| Westfield | $1,292 |
| Statewide Average | $1,510 |
Indiana auto insurance rate by violation.
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $1,276 | 1% | $10 |
| One Med/PIP claim | $1,279 | 1% | $13 |
| Not-at-fault accident | $1,359 | 7% | $83 |
| Two Med/PIP claims | $1,374 | 8% | $99 |
| One comp claim | $1,371 | 9% | $106 |
| Two comp claims | $1,459 | 15% | $193 |
| Failure to show documents | $1,501 | 19% | $235 |
| Failure to wear a seat belt | $1,502 | 19% | $237 |
| Child safety restraint | $1,531 | 21% | $265 |
| Driving without lights | $1,531 | 21% | $265 |
| Driving with expired registration | $1,536 | 22% | $271 |
| Cell phone violation | $1,588 | 26% | $322 |
| Speeding 6 - 10 MPH over limit | $1,591 | 26% | $326 |
| Texting while driving | $1,595 | 26% | $329 |
| Driving too slowly | $1,596 | 26% | $330 |
| Speeding in school zone | $1,596 | 26% | $330 |
| Speeding 11 - 15 MPH over limit | $1,601 | 27% | $336 |
| Illegal turn | $1,609 | 27% | $344 |
| Following too closely | $1,612 | 27% | $346 |
| Failure to yield | $1,612 | 28% | $346 |
| Failure to stop at a red light | $1,614 | 28% | $349 |
| Wrong way/wrong lane | $1,616 | 28% | $350 |
| Speeding 16 - 20 MPH over limit | $1,620 | 28% | $355 |
| Improper passing | $1,621 | 28% | $355 |
| At-fault accident - less than $1000 | $1,636 | 29% | $370 |
| Passing school bus | $1,676 | 33% | $410 |
| Speeding 21 - 25 MPH over limit | $1,759 | 39% | $493 |
| In 65 MPH zone | $1,831 | 45% | $565 |
| At-fault accident - $1000-$2000 | $1,854 | 45% | $568 |
| At-fault accident - greater than $2000 | $1,862 | 47% | $597 |
| Open container | $1,991 | 58% | $725 |
| Operating a vehicle without permission | $2,011 | 59% | $746 |
| Racing | $2,397 | 90% | $1,131 |
| Reckless driving | $2,398 | 90% | $1,132 |
| Refusal to submit to a chemical test | $2,403 | 90% | $1,137 |
| DUI | $2,437 | 93% | $1,171 |
| Driving with a suspended license | $2,470 | 95% | $1,204 |
| Leaving scene of an accident/hit and run | $2,508 | 98% | $1,242 |
Car insurance price trends in Indiana
| Year | Avg. Annual Premium — Indiana | Yearly Change — Indiana | Avg. Annual Premium — US | Yearly Change — US |
|---|---|---|---|---|
| 2021 | $1,271 | $83 | $1,539 | $56 |
| 2020 | $1,198 | $37 | $1,493 | -$51 |
| 2019 | $1,171 | -$17 | $1,554 | $33 |
| 2018 | $1,198 | $87 | $1,531 | $94 |
| 2017 | $1,121 | $102 | $1,447 | $79 |
| 2016 | $1,029 | $64 | $1,378 | $98 |
| 2015 | $975 | $68 | $1,290 | $61 |
| 2014 | $917 | $43 | $1,239 | $44 |
| 2013 | $884 | $77 | $1,205 | -$90 |
| 2012 | $817 | -$106 | $1,286 | $92 |
When shopping for the lowest insurance in Indiana, getting quotes from various businesses can be quite beneficial. To determine how much you will pay for insurance, each business considers several criteria. Driving history, location, car type, and marital status are examples of such factors. Each organization, however, assesses the relevance of each aspect differently.
As a result, certain factors may be less essential to one employer than another, such as your marital status. This is why it is critical to shop around and obtain prices from various firms.
Comparing discounts can also help you determine if a firm is a good fit for you. Each company has its own set of discounts. You might be able to lower your premium if you can find a business that offers a variety of discounts. Most companies publish discounts on their websites, but you may also phone an agent to find the reductions you could be eligible for.
There are additional ways to save besides carefully selecting your company and discounts. If you've decided to buy comprehensive or collision insurance, you can raise the deductibles on these policies. If you submit a claim, your deductible is the amount you will pay out of pocket. The bigger your deductible, the lower your premium will be.
However, make sure to get an estimate from your agent before making this adjustment, as it may not save you any money.
Also, make sure you select a deductible that you can afford to pay if you need to file a claim. Increasing your credit score, maintaining a clean driving record, and driving a low-cost vehicle can all help you keep your premium low.
Indianapolis drivers appear to pay more than the remainder of the state for car insurance. Fortunately, you can find low-cost car insurance in Indy if you shop around and compare quotes. We examined all the leading car insurance companies in Indianapolis and found that Cincinnati gives the lowest rates, averaging $720 a year. Other low-cost options are Progressive and Erie.
It depends on what you're seeking in a business to find the top-class car insurance provider in Indianapolis. Cincinnati is your best bet if costs are a priority. On the other hand, Progressive might be the company for you if you want pace and convenience.
Driving without insurance in Indiana is against the law. If you drive in Indiana without auto insurance, uninsured driving penalties include a 90-day suspension or a one-year suspension for repeated infringements in three years. In Indiana, driving penalties without insurance include fines, revocation of licenses, and enhanced supervision of three years. The state of Indiana mandates that all drivers be covered up to $50000 for physical harm, including $25000 for property damage and at least $25000 for each accident.
Discounts for car insurance in Indiana are given below
| Common Discounts in Indiana |
|---|
| Accident-Free Discount |
| Advanced Quote Discount |
| Anti-Lock Braking and Passive Restraint Safety Equipment Discounts |
| Paperless Discount |
| Protective System Discount |
| Claims Experience Discount |
| Top Scholar Discount |
| Driver Education Discount |
| Top Scholar Discount |
| Youthful Driver Discount |
| Full Payment Discount |
| Loyalty Discount |
| Mature Driver Rates |
| Multiple vehicles car insurance Discount |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Driving in Indiana is against the law without auto liability insurance. When you plan to drive in Indiana without auto insurance, uninsured driving penalties include a 90-day suspension or a one-year suspension for repeated infringements in three years.
For complete coverage in car insurance, Indiana's drivers pay on an average of $496 a year. And if you purchase the minimum coverage, you will have to pay an average of $253 a year.
Responsibility for bodily injuries: $25000 minimum per person and $50,000 minimum for each accident. Responsibility for property damages: $25000 or less per accident. Injury: minimum of $25000 per person per accident and $50000 per accident.
We examined the leading car insurers in Indiana and found Erie Insurance to have the highest driver coverage rate of $266.
Auto insurance was generally compulsory in 1927. In 1925 Connecticut was the first state to sell car insurance.
In Indiana, driving penalties without insurance include fines, revocation of licenses, and enhanced supervision of three years. The state of Indiana mandates that all drivers be covered up to $50000 for physical harm, including $25000 for property damage and at least $25000 for each accident.
The court is obliged to revoke the driving rights for 90 days, along with fines and court expenses. If the person has been convicted in the past five years of a similar crime, the license's revocation has to be for one year, however.
You can take the person to court to sue for the costs if you do not have uninsured motorist insurance. The amount of time and resources that you would require would be a lot.
Indiana is NOT a ‘no-fault' state. Indiana rules for persons involved in auto accidents are 'at-fault.'
Auto insurance in Indiana typically accompanies the car. Auto insurance in Indiana covers serious harm, personal injury liability, accident, and extensive coverage. In Indiana, you are supposed to take responsibility for bodily harm and property damages.
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