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Best & Cheapest Indiana Car Insurance as Rated by Customers in 2020

4.67 ★★★★★
4579 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.20 ★★★★★
207 customer reviews
rated their claim's experience positively
4.19 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16886 customer reviews
rated their claim's experience positively
4.10 ★★★★★
31 customer reviews
rated their claim's experience positively
4.10 ★★★★★
74 customer reviews
rated their claim's experience positively
4.09 ★★★★★
2059 customer reviews
rated their claim's experience positively
4.05 ★★★★★
2230 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7149 customer reviews
rated their claim's experience positively
3.96 ★★★★★
1333 customer reviews
rated their claim's experience positively
3.93 ★★★★★
746 customer reviews
rated their claim's experience positively
3.89 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
163 customer reviews
rated their claim's experience positively
3.74 ★★★★★
545 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.58 ★★★★★
239 customer reviews
rated their claim's experience positively
3.52 ★★★★★
116 customer reviews
rated their claim's experience positively
3.49 ★★★★★
58 customer reviews
rated their claim's experience positively
3.22 ★★★★★
67 customer reviews
rated their claim's experience positively
3.08 ★★★★★
295 customer reviews
rated their claim's experience positively
2.57 ★★★★★
126 customer reviews
rated their claim's experience positively
2.16 ★★★★★
133 customer reviews
rated their claim's experience positively
2.06 ★★★★★
38 customer reviews
rated their claim's experience positively
1.78 ★★★★★
56 customer reviews
rated their claim's experience positively

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 the best Indiana car insurance companies.

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, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in Indiana?

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 offers the cheapest car insurance rates for married couples on average. 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.

Company Married couple rates
Allstate Insurance $1,836
Erie Insurance Group $1,259
Indiana Farm Bureau Insurance Company $2,032
Progressive $1,962
State Farm Insurance Company $1,373

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 1 driving incident within the past 3 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 car insurance rates in Indiana?

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 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 rates displayed should only be used for comparative purposes as individual rates in Indiana will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in Indiana for car insurance

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. The city of Berne is the cheapest area in Indiana for car insurance. In the table below, you can see the top 10 cheapest areas in Indiana for car insurance based on average rates for a single adult.

Area Car insurance rates
Berne $1,019
Geneva $1,023
Decatur $1,024
Poneto $1,024
Lafayette $1,025
Keystone $1,025
Monroe $1,025
Bluffton $1,027
Westpoint $1,029
Pleasant Mills $1,030

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 1 driving incident within the past 3 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.

10 Most expensive areas in Indiana for car insurance

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.

Area Car insurance rates
Gary $1,699
East Chicago $1,642
Lake Station $1,560
Hammond $1,555
Whiting $1,545
Merrillville $1,307
Munster $1,289
Griffith $1,289
Highland $1,275
Beverly Shores $1,263

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 1 driving incident within the past 3 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.

Minimum car insurance coverage and limits in Indiana

Indiana drivers are required to purchase liability insurance, as well as uninsured motorist and underinsured motorist bodily injury coverage. There is a caveat to this required coverage, though: if you want to opt out out of the uninsured motorist coverages, Indiana allows you to do so in writing.

Indiana’s minimum required amounts for these required coverages 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.

In addition to the required coverages, Indiana insurance companies offer many optional coverages, such as collision and comprehensive, that you can add to your policy. You can learn more about different car insurance coverages on our blog.

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

Bodily injury liability provides 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.

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. 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.

How car insurance rates are calculated in Indiana

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. 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)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in Indiana

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price 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

How Clearsurance rates and ranks the best car insurance companies 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.

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

Car insurance guide

Whether you’re buying your insurance 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?

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.