Best and Cheapest Car Insurance in Indiana as Rated by Customers in 2024

With so many options, it can be difficult to decide which Indiana car insurance company is right for you. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Indiana.

With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies, so you can evaluate and compare average rates across the board.

This includes not only the cheapest companies, but also well known insurers, so that you can make more informed financial decisions. We also make sure that we have accurate content available regarding these companies and what state minimum coverage limits are, so as not to mislead anyone looking for affordable, additional protection.

In the table above, you can sort through all the Indiana car insurance companies ranked on Clearsurance. The rating next to each company the insurer's Clearsurance score is based exclusively on the ratings provided by customers.

Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Indiana car insurance rankings.

Interested in learning more about one of these Indiana car insurance companies? You can visit the company's profile page to find out what additional coverages they offer, whether they have a variety of discounts that they offer, and you can also read car insurance reviews to learn from the experiences of other policyholders. These are all vital when it comes to comparison shopping.

On this page:

• Who offers the cheapest teen car insurance rates in Indiana?
• Who offers the cheapest car insurance rates for a married couple in Indiana?
• Who offers the cheapest senior car insurance rates in Indiana?
• 10 Cheapest areas in Indiana for car insurance
• 10 Most expensive areas in Indiana for car insurance
• Minimum car insurance coverage and limits in Indiana
• Indiana’s uninsured motorists percentage

Where can drivers find cheap car insurance in Indiana?

When shopping for auto insurance rates, each company's algorithm is different. So something that drives up rates with one company might not have as big an impact at another. Some companies are generally cheaper, but there's no guarantee another won't beat their price for you with the right combination of discounts and rates for drivers.

Teen drivers often have the hardest time finding affordable car insurance. They lack driving experience, and they're more likely to be in an auto accident. Many large companies now offer discounts for good grades and other things that show responsibility. So even though you lack the time required for a clean driving record, a teen driver can still get the cheapest rates for their age group.

Out of the five largest car insurance companies in Indiana, Erie offers the cheapest car insurance rates for teens on average. In the table below, you can find Indiana teen car insurance rates for male and female drivers.

Company	Female teen rates	Male teen rates
Allstate Insurance	$1,713	$2,320
Erie Insurance Group	$610	$758
Indiana Farm Bureau Insurance Company	$1,163	$1,349
Progressive	$1,837	$2,026
State Farm Insurance Company	$1,047	$1,204

These rates are based on profiles for 18-year-old male and female drivers in Indiana. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Indiana will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Indiana??

In Indiana, Erie also offers the cheapest car insurance rates for married couples. If it seemed strange at first that your agent asked about your marital status, know that it was probably to give you a quote on lower auto insurance prices, and not because they wanted to gossip.

The table below displays Indiana car insurance rates for a married couple with two cars on a policy from the five largest companies in the state.

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years, and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Indiana will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior auto insurance policies in Indiana?

Mature, senior drivers generally are given cheap options when it comes to coverage because of their extensive driving records. This is why teenage and newly licensed drivers are often given more expensive rates; they lack the experience.

Erie Insurance Group offers the cheapest car insurance rates for both male and female seniors in Indiana. Below you can see Indiana car insurance rates for male and female senior drivers for the five largest companies in the state.

Company	Female senior rates	Male senior rates
Allstate Insurance	$1,057	$1,148
Erie Insurance Group	$643	$643
Indiana Farm Bureau Insurance Company	$1,046	$1,046
Progressive	$853	$882
State Farm Insurance Company	$679	$679

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage including collision coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The lowest rates displayed should only be used for comparative purposes as individual rates in Indiana will differ. Rate data is provided by Quadrant Information Services.

How much should you pay for cheap auto insurance based on your city?

While the state you live in affects your car insurance rates, so does the area within the state you live in. Car insurance rates in Indiana can even vary by different areas within a city. This is why, when you're looking at the average cost of coverage in your area, you need to be specific with the location.

The city of Berne is the cheapest area in Indiana for car insurance. In the table below, you can see the top ten cheapest areas in Indiana for car insurance based on average rates for a single adult.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates with insurance providers in Indiana will differ. Rate data is provided by Quadrant Information Services.

What are the ten most expensive areas to insure in Indiana?

Car insurance rates may be more expensive in some areas of Indiana based on a few factors: driving behavior in the area, frequency of accidents, and crime rate. These can cause rates to be more expensive in some cities and even different neighborhoods within the city.

The city of Gary is the most expensive areas for car insurance in Indiana. The table below displays the top 10 most expensive areas in Indiana for car insurance based on average rates for a single adult.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Indiana will differ. Rate data is provided by Quadrant Information Services.

What types of auto insurance coverage are Indiana drivers required to have?

Indiana drivers are required to show financial responsibility by purchasing liability insurance, uninsured motorist, and underinsured motorist coverage. There is a caveat to this required coverage, though. If you want to opt out of the uninsured motorist coverages, Indiana allows you to do so in writing.

Indiana's minimum required amounts for these required types of coverage are detailed below, but it's important to consider purchasing higher limits. These minimums likely wouldn't be enough to cover your costs in an expensive accident, and uninsured motorist coverage is meant for bodily injuries. If your car is damaged or totaled, you would be on your own to repair or replace it with state minimum coverage.

Indiana state minimum requirements:

Liability:

• Bodily injury — $25,000 per person
• Bodily injury — $50,000 per accident
• Property damage — $25,000 per accident

Uninsured motorist:

• Bodily injury — $25,000 per person
• Bodily injury — $50,000 per accident
• Property damage — $25,000 per accident

Underinsured motorist:

• Bodily injury — $50,000 per accident

In addition to the required coverage per person, Indiana insurance companies offer many optional, affordable coverage types, such as collision and comprehensive, that you can add to your policy. You may have to hunt a little more to find cheap rates or insurance discounts that will offset their cost, but it'll be worth it when you're given comprehensive compensation for a tree branch falling on your vehicle, or your car is the victim of any number of natural disasters that could occur in your area. You can learn more about different car insurance coverages on our blog.

Bodily injury liability provides auto insurance coverage for injuries sustained by the other vehicle's driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else's property in a car accident. This is most commonly the other vehicle, but also includes things like a home or fence.

So while it's true that opting out of most optional coverage will give you cheaper rates each month or year, depending on how you pay for your policy, you may end up in a black hole of debt because you only went with the minimum limits.

What is Indiana’s uninsured motorist percentage?

As we mentioned, Indiana does offer drivers the opportunity to opt out of uninsured motorist coverage in writing, but the data suggests this coverage could come in handy. According to 2015 data from the Insurance Information Institute, 16.7 percent of Indiana drivers are uninsured, which is the 8th highest percentage in the country. An uninsured driver could spell financial disaster for other, safe drivers who are on the road. Having uninsured motorist protection might be an extra cost, but it's worth attempting to fit it into your budget, because the numbers don't lie.

So, if you do decide to opt out of the coverage, remember that almost one in every five drivers in the state is without insurance. Uninsured motorist bodily injury coverage is more than just peace of mind. It could be the part of your coverage policy that saves you hundreds of dollars after an accident with someone who is driving without insurance.

What ensures that you are getting the cheapest auto insurance rates?

When searching and comparing quotes from the best auto insurance companies in Indiana, it can be frustrating trying to understand how your insurance rates are calculated. When you ask an insurer for an accurate quote, they usually ask you multiple questions about your life and driving history. But what is actually used to calculate what your annual premium will cost?

While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

• Your driving record
• How much you drive
• Location
• Age
• Marital status
• Gender
• Your car’s make, model and year
• Your credit history
• Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

Insurance quotes give you a snapshot of these factors. When you go through online calculators, you give companies a basic questionnaire of information. Then they give you a quote. Some ask about common discounts like anti-lock brake and security systems. If you're on the insurer's website, you can also check if they offer other discounts like a telematics program in the first 90 days.

When you're comparing rates from different companies, always make sure you're comparing like products with reputable companies. Companies like State Farm and GEICO are nationally known, but there are many local insurance companies that also offer competitive coverage options.

How do you save money on your car insurance in Indiana?

At the end of the day, we'd all like to have an affordable policy with high coverage limits and plenty of protection from one of the best Indiana car insurance companies.

While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

• Bundle your car insurance with other policies
• Consider raising your deductibles
• Pay your car insurance policy in full
• Try usage-based car insurance
• Monitor price changes to your policy
• Shop for better insurance rates

Are there specific ways that Clearsurance rates and ranks each insurance provider in Indiana?

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

• Price
• Customer Service
• Claim service
• Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better for a comprehensive analysis. For comparison purposes, looking at sample rates, financial strength ratings, and how well they handle customer satisfaction can give us a much better idea of how a company works, rather than only focusing on if they offer numerous discounts.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Whether you're buying an auto insurance policy direct or going through an agent, understanding the different car insurance coverage options is a must.

Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works? Do you want the minimum coverage for your car, or do you need more? Do you have a particular auto insurance company in mind?

If you're still not content, and have questions like the ones above, you can look into other informative guides.

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.

Most drivers benefit from going beyond the minimum requirements. While it's true that you'll see a higher annual cost for higher policy limits, you may also find that in the event of a crash that would otherwise be financially debilitating, you walk away with minimal bills due.

You should also be aware of what sort of auto coverage you're going to be required to carry. Depending on if your car is financed and other factors, you may need proof of insurance with collision coverage and comprehensive insurance. There's a wide range of policy options out there, which means it should be easy to find one if you comparison shop.