Auto Insurance Basics

Who Has the Cheapest Car Insurance Quotes in Indiana?

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The cost of insuring a car in Indiana can vary widely from company to company and city to city, according to our analysis. We analyzed car insurance quotes for a minimum liability policy for a thirty year old single male driver in the state of Indiana. We found that the most expensive company cost more than 4.4x the cheapest company, depending on where drivers lived in the Hoosier State. These two points underscore the need to shop around and compare quotes. Read more about costs below, or enter your zip code above to see a list of the top companies in your area to begin.

Cheapest Auto Insurance in Indiana

Of the 32 car insurance companies we analyzed in Indiana, Cincinnati Insurance had the lowest car insurance rates in Indiana across the board with an average of $798 per year for a minimum liability policy. Erie, GEICO, Progressive, and Indiana Farmers Mutual rounded out the five cheapest auto insurance companies in Indiana. These five carriers quoted an average rate of $889 for a policy with limits of $25/$50/$25 in the state, which was 65% cheaper than what the typical insurer charged. At the opposite end of the spectrum, Hanover was the most expensive auto insurance company with annual premiums at $3,517. Rates were averaged for a thirty year old single male driving a 2011 Toyota Camry. 

This graph shows the five cheapest car insurance companies in the state of Indiana for the year 2017.

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Who Has the Cheapest Car Insurance Quotes by City?

Depending on where you live in Indiana and your driving background, the rates you can see will be different. We noticed that the cheapest auto insurance providers varied slightly by city. Below are the top three insurers our sample drivers found that had the lowest rates in the 10 largest cities in Indiana. Rate figures are annual premiums for a state minimum auto insurance policy with low levels of uninsured motorist coverage.

CityCompanyYearly Rate
AndersonThe Cincinnati$720
GEICO$837
Erie$864
BloomingtonThe Cincinnati$708
GEICO$814
Erie$828
BrownsburgThe Cincinnati$660
Erie$804
Western Reserve$804
CarmelThe Cincinnati$636
Westfield$744
Erie$792
ClarksvilleHastings Mutual$852
Erie$888
Western Reserve$888
ColumbusThe Cincinnati$624
GEICO$787
Erie$792
Crown PointThe Cincinnati$780
Nationwide$792
Erie$936
East ChicagoGEICO$1,039
Erie$1,104
Indiana Farmers Mutual$1,104
ElkhartThe Cincinnati$756
GEICO$813
Erie$828
EvansvilleThe Cincinnati$852
Erie$888
GEICO$899
FishersThe Cincinnati$636
Westfield$744
Erie$792
Fort WayneThe Cincinnati$672
Western Reserve$732
Nationwide$804
FranklinThe Cincinnati$720
Erie$792
Western Reserve$804
GaryGEICO$1,040
Erie$1,104
Progressive$1,116
GoshenThe Cincinnati$756
GEICO$810
Progressive$821
GreenfieldThe Cincinnati$624
Erie$804
Western Reserve$804
GreenwoodThe Cincinnati$720
Erie$792
Western Reserve$804
HammondGEICO$1,039
Progressive$1,076
Erie$1,104
HammondIndiana Farmers Mutual$1,104
Erie$948
Utica National$972
HighlandGEICO$980
Erie$948
GEICO$980
HobartProgressive$1,003
The Cincinnati$696
Erie$780
HuntingtonGEICO$803
The Cincinnati$720
Progressive$903
IndianapolisErie$936
Hastings Mutual$852
Erie$864
JeffersonvilleWestern Reserve$888
The Cincinnati$756
Erie$840
KokomoWestern Reserve$852
The Cincinnati$768
Erie$900
La PorteGEICO$926
The Cincinnati$660
GEICO$773
LafayetteErie$780
GEICO$922
Erie$936
LawrenceThe Cincinnati$948
The Cincinnati$780
Western Reserve$792
LogansportGEICO$809
The Cincinnati$660
Progressive$808
MarionGEICO$835
Erie$936
Nationwide$972
MerrillvilleGEICO$980
The Cincinnati$792
Erie$900
Michigan CityGEICO$926
The Cincinnati$732
Erie$804
MishawakaNationwide$816
The Cincinnati$564
GEICO$783
MuncieErie$792
Erie$948
GEICO$980
MunsterUtica National$996
The Cincinnati$852
Erie$852
New AlbanyHastings Mutual$852
The Cincinnati$684
Erie$792
New CastleProgressive$832
The Cincinnati$636
Westfield$744
NoblesvilleErie$792
The Cincinnati$660
Nationwide$792
PlainfieldErie$804
Western Reserve$804
The Cincinnati$744
PortageGEICO$840
Erie$924
The Cincinnati$696
RichmondErie$768
GEICO$799
The Cincinnati$780
ScherervilleErie$936
Nationwide$972
The Cincinnati$684
SeymourWestern Reserve$840
Erie$852
The Cincinnati$636
ShelbyvilleErie$804
Western Reserve$804
The Cincinnati$732
South BendErie$804
GEICO$849
The Cincinnati$720
Terre HauteErie$876
GEICO$906
The Cincinnati$744
ValparaisoHastings Mutual$768
GEICO$840
The Cincinnati$720
VincennesErie$852
GEICO$862
The Cincinnati$660
West LafayetteGEICO$773
Erie$780
The Cincinnati$636
WestfieldWestfield$744
Erie$792
Westfield$744
ZionsvilleThe Cincinnati$756
Western Reserve$804

Cheapest Car Insurance in Indiana: by City

Let's take a look at how much auto insurance costs in each city, and which companies on average had the best rates. Rates are influenced by where drivers live and park their car. Furthermore, companies view the same individual differently, so your rates can fluctuate widely depending on which companies you get quotes from. Our analysis was based on a thirty year old single male driver for a policy with slightly wider coverage than the state minimum requirements.

Indianapolis, IN

The largest city in Indiana (and also the capital) is Indianapolis, IN. Home to more than 10% of the state's population, Indianapolis's auto insurance rates follow the general correlation of high costs in densely populated areas. Premiums in the city are about 13% higher than the state average at $1,365 annually or $114 monthly, which ranks the city on the more expensive half of our study. Every year, race cars take to the Indianapolis Motor Speedway for a 500-mile race. For a tamer route 1/10th of the length, regular commuters and drivers have Interstate 465 circling the city. For cheap auto insurance in Indianapolis, we suggest including Cincinnati, Progressive, and Erie in your comparison shopping. That's because their auto insurance rates were the three lowest in our company list. The three average of $853 a year, which is 38% lower than the overall city average.

In this graph, we identify the five companies with the best auto insurance rates for our driver in Indianapolis: The Cincinnati, Progressive, Erie, GEICO and Western Reserve.

Fort Wayne, IN

Fort Wayne is the second largest city in the Hoosier State with 255,000 residents. Located at the junction of three rivers, the St. Joseph River, St. Marys River, and Maumee River, Fort Wayne started as a trading post for European pioneers in the region and is purported to be the final resting place for Johnny Appleseed. The city is a three-time All American City Award winner and the site of a number of higher education institutions.

The average cost of insurance for all of our sample drivers in Fort Wayne is $1,274 a year, but you can save by going with three of the cheaper car insurance companies here. They're Cincinnati, Western Reserve, and Nationwide. On average, these companies will cost you $736 a year for a minimum liability policy, which is a reduction of $629 or 46% compared to the citywide average.

This chart shows which car insurance companies in Fort Wayne had the lowest annual rates compared to the citywide average.

Evansville, IN

Evansville is the location of the third oldest and continually-operated baseball stadium in the United States: Bosse Field, and the oldest library in the state: Willard Library. So how much does auto insurance cost in Indiana's third largest city? That's $1,417 a year across our list of companies for a policy meeting the state's minimum requirements. Cincinnati, Erie, and GEICO overall have the three cheapest auto insurance rates in Evansville. Rates among these companies average $880 a year, which is 36% less than the city average of $1,365. Our data also suggests that single Evansville drivers include Hasting Mutual onto their shortlist of insurers for quote comparisons as well.

Listed in this graph are the five companies with the most affordable rates for insuring our Evansville driver's car.

South Bend, IN

With an average annual premium of $1,276 for our sample driver’s state minimum policy, South Bend's costs are just 7% lower than the state average. For the best auto insurance rates, we suggest people add Cincinnati, Erie, and GEICO to their list of cheap companies to consider. These companies had an overall annual cost of $795, which was 42% lower than the citywide average. Pekin Insurance and Progressive round out the top 5 insurers that our sample drivers found most affordable in South Bend, if you want to see more before making a decision.

South Bend drivers looking for the lowest auto insurance rates should start with quotes from the five companies in this graph.

Gary, IN

The infamous distinction of having the most expensive auto insurance in Indiana goes to none other than the city of Gary, IN. The birthplace of Michael Jackson, Gary is the 5th largest city in Indiana and is situated right by the shores of the beautiful Lake Michigan. Gary's car insurance rates are a whopping 53% higher than the Indiana state average costing residents over $2,092 per year for a minimum auto insurance policy.

However, with the right insurers, you may still be able to keep your bills under budget. GEICO, Erie, and Progressive had the three best auto insurance rates for our sample driver. They were able to find quotes of $1,087 on average for the minimum liability policy in Indiana, which were 48% lower than the city’s average. Together with Utica National and The General, these were the five cheapest companies in Gary.

This column chart identifies the five insurers that ranked with the least expensive auto insurance quotes for our driver in Gary, IN.

Best Auto Insurance Companies in Indiana

We ranked the best car insurance companies using complaint data from the National Association of Insurance Commissioners (NAIC) and the state’s Department of Insurance, between the years of 2012 and 2014. We compared a company's share of complaints to their share of premiums underwritten in the state to arrive at the insurer's complaint index. 

The lower a company's complaint index, the better the company is relative other competitors. For example, the Erie, Indiana Farm Bureau (an Indiana local insurer!), and Wolverine Mutual were rated the best car insurance companies in Indiana using this metric. State Farm, the largest insurance company in Indiana, had a better than average index number as well. With an index of 1.05, the Western Reserve Group was an average company in terms of complaints compared to other insurers.

Rank Company Complaint Index
1 Erie 0.11
2 Indiana Farm Bureau 0.17
3 Farmers 0.34
4 Wolverine Mutual 0.37
5 Hastings Mutual 0.43
6 Kemper Specialty 0.47
7 Cincinnati Insurance 0.58
8 State Auto 0.66
9 Pekin Insurance 0.67
10 State Farm 0.69
11 American Family 0.82
12 Indiana Farmers Mutual 0.83
13 Cal Casualty 0.92
14 Western Reserve 1.05
15 Allstate 1.22
16 Victoria 1.27
17 Grange Mutual 1.29
18 General Casualty 1.31
19 The General 1.33
20 Liberty Mutual 1.62
21 Hanover 1.73
22 Sentry 2.98
23 Safe Auto 4.03
24 Titan 5.23
25 The Hartford 8.19
26 InsureMax 9.57
27 American Freedom 14.98

Cost of Car Insurance in Indiana: by City

Here's a look at 50 of the most populous cities in Indiana listed from cheapest to most expensive. Numbers in the chart are annual car insurance premiums for an auto insurance policy consisting of the minimum required bodily limits of $25k per person, $50k per accident and $10k of property damage. These are the lowest limits drivers can have while fulfilling the minimum auto insurance requirements in Indiana.

Graph shows how each city in Indiana ranks for car insurance based on our study

Minimum Auto Insurance Coverage Requirements in Indiana

Coverage Type Indiana Minimum Requirements Analysis Limits
Bodily Injury $25,000 per person, $50,000 per accident $25,000 per person, $50,000 per accident
Property Damage $10,000 $25,000
UM/UI Bodily Injury Optional $25,000 per person, $50,000 per accident
UM/UI Property Damage Optional $25,000
Collision/Comprehensive Optional Not Included

Assumptions & Methodology

We used a thirty year old single male driver for our sample driver profile. For the purposes of the study, every policy is quoting a 2011 Toyota Camry that the driver owns and uses primarily for commuting to and from work (averaging 12,000 miles per year). Coverage is considered basic and not comprehensive. Our drivers have had no accidents or driving violations in the last 5 years. We looked at quotes from 50 top-tier car insurance companies, both national and regional, in Indiana, including Allstate, Erie Insurance, Indiana Farmers Mutual, State Farm, Cincinnati Insurance, Titan, and Liberty Mutual. Rates were averaged across fifty one auto insurers to come up with our final "city average".

Surveyed auto insurance costs in Indiana are for illustrative purposes only and actual quotes will vary based on your physical residence, driving history, and other factors.

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