Who Has the Cheapest Car Insurance Quotes in Indiana? (2019)

Find the Cheapest Auto Insurance Quotes in Your Area

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The average cost of a minimum coverage car insurance policy in Indiana is $498 per year, or $42 per month.

The cost of insuring a car in Indiana, however, can vary widely from company to company and city to city. Car insurance at the most expensive insurer, for example, was 3.6 times the price of auto insurance at the cheapest carrier.

We analyzed local car insurance quotes to identify the insurers with the best rates in Indiana. While this information should give you an idea of where to start, we recommend drivers always shop around and compare quotes.

Read more about cheap car insurance below, or enter your ZIP code above to see a list of the top-rated insurance companies near you.

Cheapest minimum coverage auto insurance in Indiana

The cheapest Indiana car insurance companies for a minimum coverage policy are:

  • Erie
  • Auto-Owners
  • Progressive

These three auto insurers offered the best minimum coverage car insurance rates in Indiana, averaging $377 per year, or 24% less than the state average of $498.

If you're looking for affordable auto insurance in Indiana, we recommend including these companies in your search when comparison shopping and getting quotes.

This graph shows the cheapest car insurance companies in the state of Indiana.

Find the Cheapest Auto Insurance Quotes in Your Area

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Below we provide a list of eight Indiana car insurers ranked from cheapest to most expensive auto quotes.

Allstate was the most expensive local auto insurance company with annual premiums at $985.

RankInsurerAnnual auto insurance quote
1Erie$277
2Auto-Owners$412
3Progressive$442
4State Farm$494
5American Family$515
6GEICO$601
7Allstate$985
NAUSAA$259
USAA car insurance policies are only offered to current or former members of the military and their families.

Minimum liability coverage auto insurance only meets Indiana's minimum coverage requirements according to state law. Minimum coverage car insurance, unlike full coverage policies, doesn't include comprehensive and collision coverage, which covers the cost of damage to your car in an accident regardless of who was at-fault.

While you can buy minimum coverage for less, low coverage limits may leave you at risk of insufficient protection in the event of an accident or collision.

On average, the difference between full and minimum coverage in Indiana was $991 annually, or $83 per month.

Cheapest full coverage car insurance in Indiana

Erie, Progressive and State Farm offer drivers in Indiana the cheapest quotes for full coverage car insurance.

Together, these three companies provide auto insurance quotes of $1,196, or 20% less than the Indiana average of $1,489.

RankInsurerAnnual auto insurance quote
1Erie$1,066
2Progressive$1,218
3State Farm$1,303
4Auto-Owners$1,577
5American Family$1,585
6GEICO$1,710
7Allstate$2,561
NAUSAA$892
USAA car insurance policies are only offered to current or former members of the military and their families.

Full coverage auto insurance includes comprehensive and collision coverage, which provides drivers with protection in the event of damage to their vehicles, regardless of who is liable.

Cheapest full coverage auto insurance with a prior accident in Indiana

Erie, State Farm and Auto-Owners offer Indiana drivers with an accident history the cheapest full coverage auto insurance rates.

At an average rate of $1,561, these three insurers offer car insurance at a 33% discount to the Indiana average of $2,315.

RankInsurerAnnual auto insurance quote after an accident
1Erie$1,403
2State Farm$1,424
3Auto-Owners$1,857
4Progressive$2,587
5American Family$2,687
6GEICO$2,925
7Allstate$4,365
NAUSAA$1,267
USAA car insurance policies are only offered to current or former members of the military and their families.

A single accident on a driver's record can substantially increase his or her car insurance rates. In fact, the difference in annual auto insurance quotes in Indiana for full coverage with no accident history ($1,489) versus a policy with a single prior accident ($2,315) is $826.

Best auto insurance companies in Indiana

The best car insurance companies in Indiana are:

  • State Farm
  • Erie
  • American National

These insurers have the lowest complaint index, which is a measure of customer satisfaction with their insurance provider.

The worst-rated auto insurance companies in Indiana are:

  • GEICO
  • Allstate
  • Progressive

The lower a company's complaint index, the better the company is relative to other competitors, as the underwriter has fewer complaints than expected based on their market share.

RankInsurerPremiums underwrittenComplaint index
1State Farm$826,078,1850.41
2Erie$169,218,6820.50
3American National (United Farm Family)$301,129,1390.52
4Liberty Mutual (Safeco)$127,453,0750.55
5Standard Fire$51,072,6930.55
6Indiana Farmers$100,676,7260.56
7Auto-Owners$131,101,1300.65
8American Family$93,459,2470.76
9Progressive$277,311,1570.87
10Allstate$249,194,0631.47
11GEICO$83,072,3542.21

We ranked the best car insurance companies using complaint data from the National Association of Insurance Commissioners (NAIC) and the Indiana Department of Insurance. We display the premiums underwritten and complaint index for the largest subsidiary of the parent marketing group.

The complaint index measures a company's share of complaints to their share of premiums underwritten in the state to arrive at the insurer's complaint index.

Minimum auto insurance coverage requirements in Indiana

Drivers in Indiana are required to carry liability auto insurance with at least the stated minimum coverage when they drive.

These are the lowest limits drivers can have while fulfilling the minimum auto insurance requirements in Indiana:

Coverage typeIndiana minimum requirements

Bodily injury

$25,000 per person, $50,000 per accident

Property damage

$25,000

Indiana also requires every licensed insurer in the state to include uninsured and underinsured motorist coverages as part of your quote when you purchase a policy for the first time. While these coverages are optional and you may reject them in writing, they are strongly recommended by insurance agents and state officials.

Cheapest car insurance in Indiana by city

In every Indiana city, Erie, Progressive and State Farm are the cheapest car insurance companies. Allstate and GEICO were generally the most expensive.

Of note, in some cases USAA may offer the best rates for drivers that are current or former members of the military, as well as their families.

Below is a list of the cheapest car insurance companies in the 50 largest cities in Indiana.

CityInsurerAnnual auto insurance quote
AndersonErie$1,026
Progressive$1,168
State Farm$1,312
AvonErie$1,041
Progressive$1,163
State Farm$1,246
BloomingtonErie$1,015
Progressive$1,248
State Farm$1,290
BrownsburgErie$1,032
Progressive$1,179
State Farm$1,286
CarmelErie$1,012
Progressive$1,153
State Farm$1,257
ClarksvilleErie$1,146
Progressive$1,309
State Farm$1,431
ColumbusErie$985
Progressive$1,164
State Farm$1,204
CrawfordsvilleErie$1,116
Progressive$1,135
State Farm$1,158
DyerErie$1,143
Progressive$1,271
State Farm$1,434
East ChicagoErie$1,330
Progressive$1,501
State Farm$1,748
ElkhartErie$999
Progressive$1,108
State Farm$1,263
EvansvilleErie$1,117
Progressive$1,267
State Farm$1,470
FishersErie$1,012
Progressive$1,230
State Farm$1,254
Fort WayneErie$1,005
Progressive$1,230
State Farm$1,320
FrankfortErie$977
Progressive$1,100
State Farm$1,258
FranklinErie$1,023
Progressive$1,169
State Farm$1,290
GaryErie$1,330
Progressive$1,452
State Farm$1,729
GoshenErie$1,037
Progressive$1,092
State Farm$1,242
GreenfieldErie$1,032
State Farm$1,197
Progressive$1,226
GreenwoodErie$1,023
Progressive$1,215
State Farm$1,337
GriffithErie$1,174
State Farm$1,438
Progressive$1,456
HammondErie$1,330
Progressive$1,468
State Farm$1,689
HighlandErie$1,174
Progressive$1,331
State Farm$1,420
HobartErie$1,159
Progressive$1,323
State Farm$1,490
HuntingtonErie$977
Progressive$1,067
State Farm$1,159
IndianapolisErie$1,137
Progressive$1,327
State Farm$1,455
JeffersonvilleErie$1,093
Progressive$1,390
Auto-Owners$1,480
KokomoErie$1,021
Progressive$1,184
State Farm$1,270
La PorteErie$1,106
Progressive$1,262
State Farm$1,384
LafayetteErie$949
Progressive$1,111
State Farm$1,138
LebanonErie$984
State Farm$1,079
Progressive$1,148
LogansportErie$1,077
Progressive$1,197
State Farm$1,247
MarionErie$992
Progressive$1,085
State Farm$1,269
MishawakaErie$996
Progressive$1,153
State Farm$1,244
MuncieErie$975
Progressive$1,112
State Farm$1,191
MunsterErie$1,174
State Farm$1,421
Progressive$1,439
New AlbanyErie$1,082
Progressive$1,343
State Farm$1,374
New CastleErie$977
Progressive$1,044
State Farm$1,144
NoblesvilleErie$1,012
Progressive$1,153
State Farm$1,288
RichmondErie$955
Progressive$1,103
State Farm$1,227
ScherervilleErie$1,143
State Farm$1,384
Progressive$1,390
SeymourErie$1,098
Progressive$1,141
State Farm$1,310
ShelbyvilleErie$982
State Farm$1,103
Progressive$1,131
South BendErie$996
Progressive$1,196
State Farm$1,348
St. JohnErie$1,143
Progressive$1,283
State Farm$1,519
Terre HauteErie$1,089
Progressive$1,222
State Farm$1,382
ValparaisoErie$1,126
Progressive$1,267
State Farm$1,368
VincennesErie$1,116
Progressive$1,218
State Farm$1,278
WestfieldErie$1,012
State Farm$1,173
Progressive$1,204
ZionsvilleErie$1,018
State Farm$1,209
Progressive$1,210

Rates are influenced by where drivers live and can fluctuate widely depending on which companies you get quotes from.

To help you get a better picture of insurance quotes in Indiana, we delved further into the cheapest auto insurance in:

  • Indianapolis
  • Fort Wayne
  • Evansville
  • South Bend
  • Carmel

Cheap car insurance in Indianapolis, Indiana

  • Average annual auto insurance quote = $1,636
  • 10% more expensive than Indiana average

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. For the best auto insurance rates in Indianapolis, we suggest including Erie, Progressive and State Farm in your comparison quote shopping. The three carriers have an average cost of $1,307 a year, which is 20% lower than the Indianapolis average for a full coverage policy.

Cheap car insurance in Fort Wayne, Indiana

  • Average annual auto insurance quote = $1,466
  • 2% cheaper than Indiana average

The average cost of insurance for all of our sample local drivers in Fort Wayne is in line with the Indiana state average, but you can save by going with three of the cheaper car insurance companies near you. In this case, they're Erie, Progressive and State Farm. The difference in price between the most expensive insurer, Allstate, and the cheapest, Erie, was $1,478.

Cheap car insurance in Evansville, Indiana

  • Average annual auto insurance quote = $1,557
  • 5% more expensive than Indiana average

Car insurance in Evansville is only slightly more costly than the Indiana average. However, rates can differ substantially depending on the insurer. For example, insurance at the most expensive carrier cost 2.3 times as much as the cheapest insurance company.

Cheap car insurance in South Bend, Indiana

  • Average annual auto insurance quote = $1,473
  • 1% cheaper than Indiana average

For the best auto insurance rates in South Bend, we suggest drivers add Erie, Progressive and State Farm to their list of cheap companies to get quotes from. These companies had an overall annual cost of $1,180, which was 20% lower than the South Bend average.

Cheap car insurance in Carmel, Indiana

  • Average annual auto insurance quote = $1,400
  • 6% cheaper than Indiana average

Erie, Progressive and State Farm had the three best auto insurance rates in Carmel for our sample driver. However, rates vary greatly depending on the carrier. The difference in cost between the cheapest and most expensive insurers in Carmel was $1,267.

Average cost of car insurance in Indiana by city

The average cost of full coverage auto insurance in Indiana is $1,489 per year, or $124 per month. Quotes, however, differ significantly based on where you live.

The cheapest cities for car insurance in Indiana, with an average annual quote of $1,340, were:

  • Lafayette
  • Huntington
  • Richmond

The most expensive Indiana cities for auto insurance, with an average annual rate of $2,114, were:

  • Gary
  • East Chicago
  • Hammond

The most expensive cities were all near the metro area of Chicago in the northwest corner of the state.

Here's a look at car insurance prices in 50 of the most populous cities in Indiana listed from cheapest to most expensive.

RankCityPremium
1Lafayette$1,328
2Huntington$1,344
3Richmond$1,349
4Muncie$1,357
5Lebanon$1,379
6Frankfort$1,380
7New Castle$1,394
8Crawfordsville$1,395
9Shelbyville$1,398
10Carmel$1,400
11Elkhart$1,401
12Columbus$1,403
13Goshen$1,405
14Westfield$1,413
15Noblesville$1,419
16Brownsburg$1,427
17Greenfield$1,427
18Marion$1,429
19Kokomo$1,432
20Fishers$1,435
21Mishawaka$1,435
22Zionsville$1,438
23Franklin$1,439
24Bloomington$1,443
25Logansport$1,443
26Greenwood$1,449
27Anderson$1,451
28Avon$1,451
29Fort Wayne$1,466
30South Bend$1,473
31Vincennes$1,479
32Seymour$1,499
33Valparaiso$1,527
34New Albany$1,533
35Terre Haute$1,544
36Clarksville$1,548
37Evansville$1,557
38La Porte$1,564
39Jeffersonville$1,589
40Dyer$1,624
41St. John$1,633
42Indianapolis$1,636
43Schererville$1,640
44Hobart$1,653
45Highland$1,660
46Munster$1,678
47Griffith$1,678
48Hammond$1,957
49East Chicago$2,178
50Gary$2,208

Methodology

We collected auto insurance quotes for cities in Indiana from eight car insurance companies. Our sample driver was a:

  • 30-year-old male
  • Driving a 2015 Honda Civic EX

The driver was profiled as having no credit history, making him equivalent to a driver with below-fair to poor credit, according to our data source, Quadrant Information Services.

Our sample driver held full coverage car insurance with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For a minimum coverage policy, our sample driver had coverage equivalent to the minimum Indiana state requirements.

Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP codes, vehicle type, coverage limits chosen and other factors.

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.

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.