Cheapest Auto Insurance in Indiana (2025)

Good news for Indiana drivers: The rate you pay for car insurance is far below the national average. The monthly average rate for liability and full-coverage car insurance in Indiana is $71 and $133, respectively. In comparison, the U.S. national average for liability insurance is $104 per month, and $184 per month for full-coverage premiums.

Car insurance rates are cheaper in Indiana partly because the state has a relatively low population density, and less traffic congestion leads to lower accident frequency and severity.1 But securing your own cheap quotes isn’t guaranteed. It depends on your driving record, age, gender, vehicle type, and more.

Here’s how to find affordable car insurance in Indiana.

7 of the cheapest car insurance companies in Indiana

Comparing several insurers based on factors like coverage options, discounts, and price is the best way to find the right car insurance policy for you. The three companies listed in the table below are among the leaders in the Hoosier State. Keep them in mind as you begin your search.

State Farm

USAA

GEICO

How to get the cheapest car insurance in Indiana

The rate you pay for car insurance depends on your age, gender, credit history, driving history, location, and more. Some of these factors are outside of your control, but here are some ways you can reduce your car insurance rates:

• Look for discounts. Most car insurance companies offer discounts that can reduce your premium. Before signing a policy, be sure to contact the insurer to learn what discounts you may be eligible for. You may uncover more options than you expect.

• Bundle your policies. You can often qualify for savings when you bundle two or more insurance policies from the same company. Bundle your car insurance with your renters insurance or homeowners insurance and see how much you can save.

• Choose higher deductibles. Choosing a higher deductible often lowers your premium because you’re taking on more of the risk yourself. If you opt for a higher deductible, just be sure it isn’t so high you can’t afford to pay it if you need to file a claim.

• Shop around. Before you purchase car insurance, shop around and compare rates from several different insurance companies. Comparing rates will help you find the most affordable policy for your situation.

Low-cost car insurance in Indiana

Indiana doesn’t offer a low-income insurance program to place drivers with affordable car insurance policies based on income. If you’re looking to lower your car insurance costs, consider comparing quotes from three to five car insurance companies every six months, especially at policy renewal, to make sure you’re always getting the best deal available.

Cheapest liability-only car insurance quotes in Indiana: Auto-Owners

Liability-only insurance covers your financial responsibilities when you cause an accident. Specifically, it covers the other party’s injuries and property damage, up to your policy’s limit. Liability-only insurance doesn’t provide any coverage for your vehicle or the medical bills for you or your passengers.

Liability insurance in Indiana costs an average of $71 per month.

The table below shows the cheapest car insurance companies in Indiana for liability-only insurance.

Cheapest full-coverage car insurance quotes in Indiana: Auto-Owners

Full-coverage car insurance provides more protection than liability-only insurance. A full-coverage policy typically includes liability insurance, collision insurance, and comprehensive insurance. While full coverage is optional for most drivers, lenders commonly require it if you lease or finance your vehicle.

Indiana drivers pay a monthly average of $133 for full-coverage insurance.

Below, you can see average full-coverage rates available from several top Indiana insurers.

Car insurance requirements in Indiana

Car insurance is a legal requirement in Indiana, and you must carry a minimum amount of coverage to register and drive your car. Indiana requires drivers to carry at least 25/50/25 in personal liability insurance, and you can see what’s included in those requirements in the table below.2

While state law requires drivers to have at least minimum coverage, you may seek to enhance your insurance with optional coverages like the following:

Cheapest car insurance companies in Indiana for drivers with an incident

Indiana drivers with incidents on their record, such as speeding tickets and at-fault accidents, often pay higher rates for car insurance than people with a clean record for at least three years following the infraction. More serious violations, like driving under the influence (DUI), usually have the biggest effect on car insurance rates and can cause insurers to drop you altogether, even cancelling your policy mid-term.

In the sections that follow, you’ll see how different incidents affect your car insurance rates.

Cheapest car insurance quotes for drivers with a speeding ticket: Auto-Owners

Getting pulled over for speeding might seem like a harmless offense, but it can cause your car insurance premiums to go up for at least three years via a surcharge added to your bill. The average cost of car insurance for drivers with a speeding ticket in Indiana is $169 per month for full-coverage insurance and $90 for liability-only insurance.

Here, you can see how liability rates from different insurers compare for drivers with clean records and drivers with a speeding ticket.

Cheapest car insurance quotes for drivers with an at-fault accident: Auto-Owners

If you cause an accident, your car insurance premium will probably go up for several years, unless you added accident forgiveness to your policy. Your premium may even increase after a not-at-fault collision, depending on your insurer. This is because insurers see your involvement in an accident as an indication you’re more likely to be involved in another accident in the future.

Indiana drivers with an accident on their record pay an average of $93 per month for liability coverage and $173 for full coverage.

Here, you can see the cheapest liability-only rates for drivers in Indiana with an at-fault accident on their record.

Cheapest car insurance quotes for drivers with a DUI: Auto-Owners

Driving under the influence is one of the most serious violations you can have on your record. If you’ve been convicted of a DUI, your car insurance premium will increase significantly and a DUI conviction can stay on your driving record for 5–10 years. In some cases, your insurer may drop you altogether.

The average rate for liability coverage for drivers with a DUI in Indiana is $91 per month, and the average full-coverage rate is $171 per month.

In the table below, you can see how having a DUI on your record affects your car insurance rates in Indiana.

Cheapest car insurance quotes for seniors: Auto-Owners

For most drivers, car insurance rates decrease around age 25 and increase again at age 70. Senior drivers are more likely to experience age-related vision, mobility, and other health changes that can increase the risk of a collision. In addition, the risk of being severely injured in a car accident increases with age.

Senior drivers in Indiana pay an average of $61 per month for liability-only policies.

Below, you can see the cheapest car insurance companies for seniors in Indiana.

Cheapest car insurance quotes for teens: Auto-Owners

Teen drivers typically pay some of the highest rates for car insurance. This is because data shows that young drivers ages 16–19 have a higher accident rate than drivers in any other age group.3 Teen drivers are also more likely to make critical driving errors that can cause serious accidents, such as distracted driving.

Liability-only insurance for Indiana teens costs an average of $150 per month, and full-coverage insurance costs $280 per month.

While it’s difficult for teens to avoid high car insurance rates, they can lower their car insurance premiums in a few ways. For example, staying insured on a parent’s policy is usually much cheaper than getting an individual policy. You can also look for car insurance companies that offer smart student discounts or safe driver discount programs. Although if you’re a minor teen, you’ll need the written consent of a parent or guardian in order to purchase an auto insurance policy.

The table below shows the cheapest car insurance companies for teens in Indiana with their own insurance policies.

Indiana car insurance quotes by credit tier

In Indiana, car insurance companies are allowed to consider your credit history when calculating your insurance premium. Statistically, drivers with poor credit-based insurance scores are more likely to file insurance claims, so they pay higher insurance rates than drivers with good insurance scores.

Below, you can see the average monthly car insurance premium for Indiana drivers in different credit tiers.

Car insurance rates across Indiana cities

Indiana car insurance companies take into account your particular location, down to your city and ZIP code, when setting your car insurance rates. That’s because where you live influences your likelihood of filing a claim based on factors like vehicle crime rates, weather patterns, and traffic rates. This is why car insurance rates in Indiana vary widely based on your city. Check out the table below to see the average car insurance rates for cities across Indiana.