Best cheap car insurance in IN
Travelers, Auto-Owners and Progressive are the cheapest companies for most people in Indiana.
- Want full coverage? Travelers: $129/mo
- Only need minimum coverage? Auto-Owners: $42/mo
- Want the best customer service? Farm Bureau: $165/mo
- Have a speeding ticket? Auto-Owners: $149/mo
- Caused an accident? Travelers: $180/mo
- Need coverage for a teen? Progressive: $122/mo
- Got a DUI? Progressive: $156/mo
- Have poor credit? Travelers: $210/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in IN: Travelers and USAA
Travelers and USAA are the best options for full coverage car insurance rates in Indiana.
- Travelers is the cheapest option in the state for most people, at $129 per month. However, Travelers doesn't have great customer service reviews. So it may take longer to get your car fixed after an accident.
- Farm Bureau is the best choice if you're willing to pay a bit more for great service. At $65 per month, Farm Bureau offers the best mix of affordable rates and reliable customer service.
- USAA has the cheapest rates for Indiana drivers with military ties, at around $82 per month. But only active-duty military members, veterans and some of their family members can buy car insurance from USAA.
Find Cheap Car Insurance Quotes in Indiana
Cheap full coverage car insurance in Indiana
Company | Monthly rate |
|---|---|
| Travelers | $129 |
| Progressive | $132 |
| Auto-Owners | $149 |
| Farm Bureau | $165 |
| USAA | $82 |
USAA is only available to current and former military members and their families.
Data-powered research on Indiana car insurance
Cheapest liability-only car insurance in IN: Auto-Owners
Auto-Owners has the best minimum liability car insurance in Indiana, at $42 per month. That's around one-quarter cheaper than the Indiana state average of $58 per month.
Cheap liability car insurance in Indiana
Company | Monthly rate |
|---|---|
| Auto-Owners | $42 |
| Travelers | $44 |
| Farm Bureau | $50 |
| Progressive | $51 |
| USAA | $28 |
USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Indiana
Senior Writer, Licensed Property and Casualty Insurance Agent
Indiana gives drivers the option to get (but doesn't require) medical payments coverage. This coverage helps pay for your injuries and your passengers' injuries when you're in an accident, whether you cause it or not.
Unless you truly can't afford anything but a bare-bones policy, you should probably buy medical payments coverage. The coverage is typically cheap, so it won't add much to your monthly rate.Medical care can be expensive even if you have health insurance, and any extra help to pay the bills is useful for most people. Plus, medical payments coverage on a car insurance policy doesn't have a deductible, which means it immediately starts paying for your medical bills.
Average cost of car insurance in Indiana by city
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Travelers is the most affordable company in nearly 70% of cities and towns across Indiana, including South Bend and Bloomington.
Progressive is the lowest-cost option in many of the remaining areas, most notably Indianapolis and many of its suburbs. So it could be the cheapest option for many people living in Indiana.
- Gary, near Chicago, is the most expensive city in Indiana for car insurance. Drivers in Gary pay an average of $259 per month for full coverage car insurance.
- Tipton, a small city north of Indianapolis, has the cheapest rates in the state, at $159 per month.
Find Cheap Car Insurance Quotes in Indiana
Cheapest Indiana car insurance rates by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Indianapolis | $208 | Progressive | $142 |
| Fort Wayne | $180 | Progressive | $129 |
| Evansville | $187 | Progressive | $131 |
| Fishers | $172 | Progressive | $127 |
| South Bend | $182 | Travelers | $129 |
| Carmel | $171 | Progressive | $120 |
| Bloomington | $176 | Travelers | $125 |
| Hammond | $238 | Travelers | $153 |
| Noblesville | $171 | Progressive | $120 |
| Lafayette | $162 | Travelers | $115 |
| Gary | $259 | Travelers | $146 |
| Greenwood | $181 | Progressive | $132 |
| Muncie | $164 | Progressive | $118 |
| Kokomo | $167 | Progressive | $123 |
| Terre Haute | $186 | Progressive | $132 |
| Westfield | $169 | Progressive | $122 |
| Anderson | $172 | Progressive | $120 |
| Elkhart | $167 | Progressive | $122 |
| Columbus | $167 | Travelers | $120 |
| Jeffersonville | $189 | Travelers | $131 |
| Mishawaka | $169 | Travelers | $123 |
| Lawrence | $213 | Auto-Owners | $143 |
| West Lafayette | $163 | Travelers | $117 |
| Portage | $191 | Progressive | $138 |
| New Albany | $186 | Travelers | $140 |
| Richmond | $160 | Travelers | $117 |
| Crown Point | $197 | Progressive | $136 |
| Valparaiso | $185 | Progressive | $136 |
| Goshen | $166 | Progressive | $120 |
| Hobart | $206 | Progressive | $144 |
| Marion | $170 | Progressive | $116 |
| Greenfield | $176 | Travelers | $129 |
| Franklin | $177 | Travelers | $127 |
| East Chicago | $250 | Travelers | $154 |
| La Porte | $184 | Travelers | $129 |
| Seymour | $177 | Travelers | $108 |
| Shelbyville | $168 | Travelers | $116 |
| Aberdeen | $187 | Progressive | $139 |
| Advance | $175 | Progressive | $119 |
| Akron | $177 | Travelers | $126 |
| Alamo | $173 | Travelers | $118 |
| Albany | $166 | Progressive | $113 |
| Albion | $170 | Travelers | $125 |
| Alexandria | $168 | Progressive | $105 |
| Altona | $168 | Travelers | $119 |
| Ambia | $173 | Travelers | $118 |
| Amboy | $165 | Travelers | $111 |
| Americus | $163 | Travelers | $116 |
| Amo | $180 | Travelers | $123 |
| Andrews | $163 | Travelers | $115 |
| Angola | $171 | Travelers | $114 |
| Arcadia | $169 | Travelers | $120 |
Best car insurance in Indiana: Farm Bureau
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Full coverage rate$165/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
-
Customer satisfactionExcellentThis is based on Indiana Farm Bureau's score on the J.D. Power customer satisfaction survey.
-
AM Best ratingAAn A financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Indiana based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Indiana
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheapest auto insurance in Indiana after a speeding ticket: Auto-Owners
Auto-Owners has the cheapest car insurance quotes for Indiana drivers with a recent speeding ticket. Full coverage insurance from Auto-Owners costs around $149 per month after a speeding ticket. That's $54 per month cheaper than average in the state.
Cheap Indiana auto insurance rates after a ticket
Company | Monthly rate |
|---|---|
| Auto-Owners | $149 |
| Travelers | $162 |
| Progressive | $171 |
| State Farm | $183 |
| USAA | $103 |
USAA is only available to current and former military members and their families.
One speeding ticket in Indiana can raise your rates by an average of 22%. That's an increase of around $36 per month for a full coverage policy.
Cheap Indiana car insurance after an accident: Travelers
- Travelers is the most affordable option for Indiana drivers after an at-fault accident. Full coverage insurance from Travelers is $180 per month, which is $62 per month cheaper than the state average.
- Auto-Owners is also a good option after a crash. At $182 per month, full coverage from Auto-Owners is only a few dollars more each month than Travelers. And Auto-Owners has better customer service reviews than Travelers, which could come in handy if you're in another accident in the future.
Low-cost auto insurance in Indiana after an accident
Company | Monthly rate |
|---|---|
| Travelers | $180 |
| Auto-Owners | $182 |
| Progressive | $194 |
| State Farm | $210 |
| USAA | $118 |
USAA is only available to current and former military members and their families.
In Indiana, having an accident on your record could increase your rates by an average of 46%, or $76 per month, for full coverage insurance.
Do I need to report an accident to the Indiana BMV?
After an accident in Indiana, your insurance company must file what's called a certificate of compliance with the Bureau of Motor Vehicles.
The certificate proves you have the minimum amount of insurance required to drive legally in Indiana. It's a good idea to ask your insurance agent or claims representative about filing the certificate once your insurance claim is underway.
Cheap Indiana auto insurance for teen drivers: Progressive and Travelers
Progressive and Travelers have the cheapest car insurance in Indiana for young drivers.
- Progressive has the cheapest minimum liability coverage, at around $122 per month for an 18-year-old driver in Indiana. That's one-quarter cheaper than the Indiana state average, which is $166 per month.
- Travelers has the cheapest full coverage rates for teens. At $356 per month, a policy from Travelers costs $84 per month less than the Indiana average.
Best Indiana car insurance quotes for teens
Company | Liability only | Full coverage |
|---|---|---|
| Progressive | $122 | $385 |
| Travelers | $128 | $356 |
| Geico | $140 | $397 |
| Auto-Owners | $140 | $378 |
| USAA | $70 | $192 |
USAA is only available to current and former military members and their families.
The best way for young drivers to find cheap insurance in Indiana is by sharing a policy with their parents.
But price shouldn't be the only thing you consider when shopping for car insurance in Indiana. You should look for a company that offers reliable customer service at an affordable rate.
You may also need more coverage than the absolute cheapest policy provides. For example, if you have a car loan or lease, you're typically required to have what's called comprehensive and collision coverage, which are part of a full coverage policy.
Cheapest insurance in IN for teens after a ticket or accident: Progressive
Progressive offers the cheapest car insurance for Indiana teens with bad driving records.
- Speeding ticket: A minimum liability policy from Progressive costs $129 per month for an 18-year-old with a speeding ticket. That's $74 per month cheaper than the Indiana average.
- Accident: Progressive also has the cheapest rates for teens after an accident. At around $138 per month, Progressive is $111 per month cheaper than the state average.
Auto-Owners is also a good choice for Indiana teens with a ticket or accident on their records. The company has more reliable customer service than Progressive, so spending a little extra may be worth it if you ever get into an accident and have to make a claim.
Liability-only quotes for Indiana teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Progressive | $129 | $138 |
| Auto-Owners | $143 | $182 |
| Travelers | $159 | $188 |
| Geico | $171 | $218 |
| USAA | $115 | $128 |
USAA is only available to current and former military members and their families.
In Indiana, teen car insurance rates go up by an average of 23% after one speeding ticket and 50% after an accident.
There's a difference of $312 per month between the most and least expensive insurance companies for teens after a crash. That's why it's so important for teens and their families to shop around for multiple quotes after a ticket or an accident.
Cheapest Indiana car insurance after a DUI: Progressive
Progressive has the most affordable car insurance rates for Indiana drivers with a recent DUI. At $156 per month, a full coverage policy from Progressive is $126 per month less expensive than the state average. It's also $30 per month less than the second-cheapest company, Travelers.
Most affordable car insurance in Indiana after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $156 |
| Travelers | $186 |
| Farm Bureau | $295 |
| State Farm | $304 |
| USAA | $157 |
USAA is only available to current and former military members and their families.
Indiana drivers could see their rates go up by an average of 69% after a DUI.
You may also need an SR-22 filing in Indiana after a DUI. An SR-22 filing typically costs between $15 and $50 on top of any increase in your insurance rates.
Progressive makes it easy to request an SR-22 when you get a quote online, which is just another reason that it's a great option after a DUI.
Cheapest quotes for Indiana drivers with poor credit: Travelers
Travelers has the cheapest car insurance for drivers with poor credit in Indiana, at $210 per month for full coverage. That's $134 per month cheaper than the Indiana state average.
Cheap auto insurance in Indiana if you have poor credit
Company | Monthly rate |
|---|---|
| Travelers | $210 |
| Progressive | $217 |
| Geico | $254 |
| Farm Bureau | $338 |
| USAA | $150 |
USAA is only available to current and former military members and their families.
In Indiana, the average cost of car insurance is $344 per month for drivers with poor credit. That's almost twice as much as drivers with good credit pay for full coverage in Indiana.
Insurance companies typically charge higher rates for drivers with poor credit. That's because companies believe people with bad credit are more likely to file a claim.
Is your car insurance company raising rates in Indiana in 2026?
Only one company, Liberty Mutual, has raised rates in Indiana in 2026. But a number of companies have lower rates across the state, including a major decrease from State Farm.
- ↑ Biggest increase: Liberty Mutual at +2.0%
- ↓ Biggest decrease: State Farm at -19.1%
Company | 2026 rate change | 5-year rate change |
|---|---|---|
| State Farm | ↓ 19.1% | ↑ 4.8% |
| American Family | ↓ 4.9% | ↑ 42.7% |
| Farm Bureau | ↓ 3.0% | ↑ 37.4% |
| Allstate | ↓ 1.5% | ↑ 32.7% |
| Geico | ↓ 1.0% | ↑ 46.4% |
| Erie | ↓ 0.4% | ↑ 83.1% |
| Farmers | ↓ 0.3% | ↑ 70.2% |
| USAA | ↓ 0.1% | ↑ 22.5% |
| Progressive | 0.0% | ↑ 10.6% |
| Travelers | 0.0% | ↑ 31.9% |
| AAA | 0.0% | ↑ 36.0% |
| Auto-Owners | 0.0% | ↑ 40.9% |
| Liberty Mutual | ↑ 2.0% | ↑ 49.4% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
If your car insurance rates went up, there are a few things you can do to lower your insurance bill:
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Compare quotes from the cheapest companies in Indiana, including Travelers, Auto-Owners and Progressive.
The most expensive company for full coverage in Indiana, Farmers, costs twice as much as the cheapest company, Travelers. So you could save more than $1,500 per year just by switching insurance companies.
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Look for a company that offers lots of discounts you qualify for. Most companies offer discounts for bundling policies or signing up for automatic payments.
But you could get a discount with some companies for belonging to certain alumni or professional associations, driving a brand-new car or driving fewer miles. So it's worth searching for a company that has discounts tailored to you.
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Try a safe driving program. Many companies offer a discount if you let them track your driving habits using a mobile app or device that plugs into your car. If you practice safe driving habits, these discounts could really add up, with some companies offering up to 40% off your car insurance bill.
Just be careful about which program you sign up for, as some companies, like Progressive and Geico, will actually raise your rates if you have bad driving habits.
Minimum car insurance requirements in Indiana
Indiana requires drivers to have a minimum amount of liability coverage to drive legally, sometimes written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
Other than an insurance policy, there are two ways to prove you are a financially responsible driver in Indiana. Specifically, the BMV will grant your vehicle registration if you can provide one of the following:
Surety bond: A surety bond is issued when a licensed Indiana surety company promises to pay in your place when you are unable to do so. The bond should be good for payments of at least the amounts that a minimum insurance policy would pay for each accident you cause. Send a copy of this bond to the Bureau of Motor Vehicles. When a Certificate of Compliance is requested of you, have the surety company provide the necessary information to the BMV.
Cash/security deposit: You can make a $40,000 deposit of either cash or securities, such as a government bond or note, with the treasurer of state. In the event that you cause an accident, the amount of payment you are ruled responsible for will be deducted from this deposit. Once the treasurer accepts your deposit, the BMV will also get a copy of the receipt in your files.
Indiana treats a first offense for driving without insurance as a Class A infraction. If you're caught driving without insurance again, the offense becomes a Class C misdemeanor and may lead to additional fines and jail time.
Potential fines and penalties for driving without insurance in IndianaFirst offense:
- Fees: $250 reinstatement fee
- Penalties: Must have an SR-22 certificate for 180 days
Second offense:
- Fine: Up to $500
- Jail: Up to 60 days
- Fees: $500 reinstatement fee
- Other penalties: Must have an SR-22 certificate for 180 days
Third and subsequent offenses:
- Fine: Up to $500
- Jail: Up to 60 days
- Fees: $1,000 reinstatement fee
- Other penalties: Must have an SR-22 certificate for 180 days
What's the best car insurance coverage for Indiana drivers?
Full coverage is the best choice for most people in Indiana.
That's because full coverage includes comprehensive and collision coverage, along with liability insurance.
- Collision coverage pays for damage to your car after an accident, regardless of whose fault it is.
- Comprehensive coverage pays for other types of damage to your car, including theft or storm damage.
Lenders typically require you to have full coverage car insurance if you have a car loan or lease. And it's a good idea for cars that are less than 8 years old or worth more than $5,000.
Minimum liability is the cheapest kind of auto insurance because it includes only coverage legally required by the state. In Indiana, minimum coverage insurance pays for injuries to others or damage to their property if you cause a crash.
But a minimum coverage policy won't pay for damage to your car. And the liability limits may not be high enough to cover the cost of an expensive wreck. For example, if you crash into a brand-new pickup truck on the highway, $25,000 may not be enough to fully cover the cost to fix or replace it.
Common insurance questions in Indiana
Is hitting a deer covered by car insurance in Indiana?
Hitting a deer is covered by car insurance if you have comprehensive coverage. This optional add-on is typically part of a full coverage policy, which is usually required if you have a car loan or lease.
There are more than 14,000 car accidents per year involving deer in Indiana, according to the Indiana DNR. So, it's a good idea to add comprehensive coverage to your policy, even if it's not required.
Does car insurance cover storm damage in Indiana?
Your car insurance will typically cover storm damage if you have comprehensive coverage. This coverage protects against damage caused by "acts of God," such as hail, tornadoes, floodwater or a falling tree branch.
Comprehensive coverage is especially important in Indiana, where severe storms and tornadoes can cause serious damage to your car.
Do college students need their own car insurance in Indiana?
College students can sometimes stay on their parents' policy. If you're attending a school like IU or Purdue but keep your car at home, you can usually stay on a parent’s policy and maybe even get an extra discount on your insurance. But if you have your car in Indiana full time, you may need an Indiana insurance policy. It's best to check with your insurance company to make sure you're properly covered before moving out of state for school.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Indiana from the state's largest insurance companies. Rates are for a 30-year-old man with good credit and a 2018 Honda Civic EX.
Full coverage quotes include higher liability limits than required in Indiana, plus comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Auto insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Indiana Department of Insurance. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
