Finding Cheap Car Insurance in Indiana
Comparison shopping to find cheap car insurance in Indiana shouldn’t be a time-consuming project. We evaluated options in Indiana to find the lowest costs.
Featured Car Insurance Partners
1
Geico
Good
C-
Low
2
USAA
Excellent
C+
OK
3
State Farm
Very good
C
Low
Cheap Indiana car insurance for good drivers
Pekin Insurance and Hastings Mutual are the cheapest Indiana car insurance companies for good drivers, among the companies we analyzed.
Cheap car insurance in Indiana for drivers with a speeding ticket
A speeding ticket increases car insurance rates by 28% in Indiana. The exact rate increase will depend on the insurance company. Even though you’ll get hit with higher insurance rates, you can still compare quotes for the best car insurance.
Pekin Insurance and Buckeye Insurance Group have the best average costs for drivers with a speeding ticket in Indiana, so make sure to get quotes from those companies if you’re shopping for Indiana auto insurance and have a speeding ticket on your record.
Cheap Indiana Car Insurance for Drivers Who Caused an Accident With Injury
Causing a car crash that results in an injury to someone else will make it difficult to find cheap car insurance. Our analysis found an average increase of 49% in Indiana compared to drivers with a good driving record.
If you cause a car crash with an injury, Pekin Insurance and Indiana Farmers Mutual may have the most competitive prices among the companies in our analysis.
Cheap Indiana car insurance for drivers with a DUI
Car insurance costs in Indiana go up an average of 93% if you have a DUI conviction on your record. You can still compare car insurance quotes to find better rates.
The cheapest Indiana car insurance companies for drivers with a DUI are Indiana Farmers Mutual and Pekin Insurance, among the insurers we analyzed.
Cheap Indiana car insurance for drivers with poor credit
Indiana auto insurance companies usually charge drivers higher rates if they have poor credit. People with bad credit pay an average of 71% more for auto insurance in Indiana.
Indiana Farmers Mutual and Pekin Insurance may be good choices if you’re looking for cheap Indiana auto insurance and you have poor credit.
Cheap Indiana car insurance for adding a teen driver
Adding a teen to your insurance increases rates by an average of 85% in Indiana, compared to rates for a married couple without a teen driver.
Consider getting quotes from Progressive and Hastings Mutual if you’re looking for cheap car insurance for teens in Indiana.
Cheap Indiana car insurance for young drivers ages 18 to 25
Getting your own car insurance is a pricey entry into adulthood. Our analysis found that USAA and Pekin offer the cheapest Indiana car insurance for young drivers.
Cheap Indiana Car Insurance for Senior Drivers Ages 60-80
Geico and Pekin offer the best car insurance for seniors who are looking for low-cost insurance in Indiana. Senior drivers should also find out if there’s a discount for taking a defensive driver class.
Older Adult Discount in Indiana
Insurers often offer many types of car insurance discounts, but the only one that Indiana car insurance companies must offer is an older adult discount. This is a discount to drivers who are age 55 and over if they complete an approved accident presentation course within three years of the policy issuance or renewal.
Least Expensive Vehicles for Insurance in Indiana
You can potentially save money on car insurance with the right type of vehicle. In Indiana, the Honda CR-V and Subaru Forester and Crosstrek are among the cheapest vehicles for insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive are below.
The most expensive vehicles for insurance in Indiana among popular models are the Volvo XC90 T8 Inscription ($1,957 a year) and the Tesla Model S Performance/Plaid ($2,977 a year).
| Vehicle | Average annual premium in Indiana |
|---|---|
|
Honda CR-V LX
|
$1,223
|
|
Subaru Forester 2.5i
|
$1,233
|
|
Subaru Crosstrek
|
$1,238
|
|
Jeep Wrangler JL Sport
|
$1,245
|
|
Hyundai Tucson SE
|
$1,266
|
|
Jeep Compass Latitude
|
$1,273
|
|
Ford F-150 XL
|
$1,291
|
|
Chevrolet Trax LS
|
$1,293
|
|
Volkswagen Tiguan SE
|
$1,299
|
|
Chevrolet Equinox L
|
$1,301
|
|
Kia Sportage EX
|
$1,311
|
|
Dodge Grand Caravan SE
|
$1,323
|
|
Toyota Tacoma SR
|
$1,324
|
|
Toyota RAV4 LE
|
$1,332
|
|
Ford Edge SE
|
$1,343
|
|
Mazda CX-5 Grand Touring
|
$1,363
|
|
Nissan Rogue S
|
$1,365
|
|
Chevrolet Traverse LS
|
$1,370
|
|
Toyota Highlander LE
|
$1,375
|
|
GMC Canyon All Terrain
|
$1,379
|
Required Minimum Indiana Car Insurance
Indiana requires only liability car insurance to legally drive a vehicle. Liability insurance is important because it helps you out if you cause an accident. It pays other people for damage and injuries you cause and pays for your legal defense if you’re sued.
Car owners in Indiana must buy liability coverage with at least:
- $25,000 for bodily injury to one person
- $50,000 for bodily injury to multiple people in one accident
- $25,000 for damage to property in one accident
Those looking for better insurance should buy higher limits of liability insurance. Once your liability insurance pays out its maximum amount, you can still be sued by others for their car accident bills. If you have assets such as a house and savings, you’ll want to protect your wealth with better liability insurance.
What Else Should I Have in Indiana?
Uninsured motorist coverage. Indiana does not require uninsured motorist coverage but you have to reject it in writing if you don’t want it. If you have car damage or injuries after being hit by someone without insurance, you’ll be glad to have uninsured motorist (UM). You can make a claim on your own UM coverage when someone else doesn’t have auto insurance.
Underinsured motorist coverage. What about people who have some insurance but not enough? Underinsured motorist coverage can pay your medical bills if you’re injured by someone who has liability insurance but not enough.
If you buy UM or UIM in Indiana, the minimum limits you must have are:
- $25,000 for UM bodily injury to one person, $50,000 per accident
- $25,000 for UM property damage per accident
- $50,000 for UIM bodily injury per accident
And here’s a monkey wrench: In Indiana, UIM in Indiana will cover only injuries, not car damage. UM covers both. So what do you do if someone else hits your car or other property and they don’t have enough insurance? You could make a claim on your collision coverage.
Collision insurance. This insurance type pays for your car repairs in a variety of situations: You back into a pole, you crash into a fence or someone else hits your car.
Comprehensive insurance. Car damaged by a flood? Fire? Stolen? Comprehensive insurance pays for all of these, plus problems such as damage from hail, vandalism, riots, falling objects and collisions with animals like deer.
Collision and comprehensive coverage are generally sold as a package together and are usually required if you have a car loan or lease.
Medical payments coverage, aka MedPay. This pays for medical bills for you and your passengers if you’re injured while in the vehicle or getting in or out of it. It pays no matter who was at fault. It can also cover the deductibles, copays and co-insurance from your health plan, if you’re making car accident injury claims through your health insurance.
MedPay is handy if someone else hits you and you don’t want to wait for a lawsuit to settle to get reimbursement.
Summary: Required Indiana Auto Insurance
| Coverage type | Required minimum in Indiana |
|---|---|
|
Liability insurance
|
• $25,000 per person for bodily injury liability
• $50,000 per accident for bodily injury liability
• $25,000 for property damage
|
|
Uninsured/underinsured motorist coverage
|
Not required
|
|
Medical payments
|
Not required
|
|
Collision coverage
|
Not required
|
|
Comprehensive coverage
|
Not required
|
Can I Show My Insurance ID Card from My Phone in Indiana?
Indiana allows you to use your phone to show an auto insurance ID card. Check with your auto insurance company to see if it offers a mobile app that includes access to electronic ID cards.
Factors Allowed in Indiana Car Insurance Rates
Car insurance companies usually look at your driving record, past claims, vehicle model and more when setting rates. In Indiana, companies can also use these factors.
| Factor | Allowed in Indiana? |
|---|---|
|
Age
|
Yes
|
|
Credit
|
Yes
|
|
Education & occupation
|
Yes
|
|
Gender
|
Yes
|
|
Marital status
|
Yes
|
|
ZIP code
|
Yes
|
Source: American Property Casualty Insurance Association. Other factors will be used to calculate your rates, including driving record and the amount of coverage you want.
How Many Uninsured Drivers are in Indiana?
About 16% of Indiana drivers have no auto insurance, according to the Insurance Research Council. If they crash into you, you can try to sue them. Or you can use your uninsured motorist coverage for injuries and car damage or your collision coverage for vehicle damage.
Penalties for Driving Without Auto Insurance in Indiana
If you’re caught driving without insurance in Indiana, your driver’s license can be suspended for 90 days to one year.
When Can a Vehicle Be Totaled In Indiana?
A vehicle can be totaled in Indiana when damage exceeds 70% of its value. Totaling could be due to a crash, flood, fire or other problem that results in severe damage.
Get Help Solving Insurance Problems
The Indiana department of insurance is responsible for monitoring insurance companies and taking consumer complaints. The department has complaint forms online
Methodology
To find the cheapest auto insurance companies in Indiana, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Except where noted, rates are based on a 40-year-old female driver with a clean record insuring a new Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (known as 100/300/100), uninsured motorist coverage and any other coverage required in the state. Rates also include collision and comprehensive insurance with a $500 deductible.
State averages for Indiana are based on rates from Allied, Allstate, American Family, Auto-Owners, Buckeye Insurance Group, Celina Insurance Group, Farmers, Geico, General Casualty, Grange Mutual, Hastings Mutual, Indiana Farmers Mutual, Motorists Mutual, Nationwide, Pekin Insurance, Progressive, Safe Auto, State Auto, State Farm, Travelers, United Farm Bureau of Indiana, USAA, Western Reserve and Westfield.
