Who Has the Cheapest Car Insurance Quotes in Indiana? (2020)
Who Has the Cheapest Car Insurance Quotes in Indiana? (2020)
Find Cheap Auto Insurance Quotes in Indiana
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.
Cheapest for minimum liability
Cheapest for full coverage
Cheapest for drivers with an accident
Best for customer service
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 liability-only auto insurance in Indiana, we recommend including these companies in your search when comparison shopping and getting quotes.
Find Cheap Auto Insurance Quotes in Indiana
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.
| Rank | Insurer | Annual auto insurance quote |
|---|---|---|
| 1 | Erie | $277 |
| 2 | Auto-Owners | $412 |
| 3 | Progressive | $442 |
| 4 | State Farm | $494 |
| 5 | American Family | $515 |
| 6 | GEICO | $601 |
| 7 | Allstate | $985 |
| NA | USAA | $259 |
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.
| Rank | Insurer | Annual auto insurance quote |
|---|---|---|
| 1 | Erie | $1,066 |
| 2 | Progressive | $1,218 |
| 3 | State Farm | $1,303 |
| 4 | Auto-Owners | $1,577 |
| 5 | American Family | $1,585 |
| 6 | GEICO | $1,710 |
| 7 | Allstate | $2,561 |
| NA | USAA | $892 |
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.
| Rank | Insurer | Annual auto insurance quote after an accident |
|---|---|---|
| 1 | Erie | $1,403 |
| 2 | State Farm | $1,424 |
| 3 | Auto-Owners | $1,857 |
| 4 | Progressive | $2,587 |
| 5 | American Family | $2,687 |
| 6 | GEICO | $2,925 |
| 7 | Allstate | $4,365 |
| NA | USAA | $1,267 |
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.
| Rank | Insurer | Premiums underwritten | Complaint index |
|---|---|---|---|
| 1 | State Farm | $826,078,185 | 0.41 |
| 2 | Erie | $169,218,682 | 0.50 |
| 3 | American National (United Farm Family) | $301,129,139 | 0.52 |
| 4 | Liberty Mutual (Safeco) | $127,453,075 | 0.55 |
| 5 | Standard Fire | $51,072,693 | 0.55 |
| 6 | Indiana Farmers | $100,676,726 | 0.56 |
| 7 | Auto-Owners | $131,101,130 | 0.65 |
| 8 | American Family | $93,459,247 | 0.76 |
| 9 | Progressive | $277,311,157 | 0.87 |
| 10 | Allstate | $249,194,063 | 1.47 |
| 11 | GEICO | $83,072,354 | 2.21 |
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 type | Indiana 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.
| City | Insurer | Annual auto insurance quote |
|---|---|---|
| Anderson | Erie | $1,026 |
| Progressive | $1,168 | |
| State Farm | $1,312 | |
| Avon | Erie | $1,041 |
| Progressive | $1,163 | |
| State Farm | $1,246 | |
| Bloomington | Erie | $1,015 |
| Progressive | $1,248 | |
| State Farm | $1,290 | |
| Brownsburg | Erie | $1,032 |
| Progressive | $1,179 | |
| State Farm | $1,286 | |
| Carmel | Erie | $1,012 |
| Progressive | $1,153 | |
| State Farm | $1,257 | |
| Clarksville | Erie | $1,146 |
| Progressive | $1,309 | |
| State Farm | $1,431 | |
| Columbus | Erie | $985 |
| Progressive | $1,164 | |
| State Farm | $1,204 | |
| Crawfordsville | Erie | $1,116 |
| Progressive | $1,135 | |
| State Farm | $1,158 | |
| Dyer | Erie | $1,143 |
| Progressive | $1,271 | |
| State Farm | $1,434 | |
| East Chicago | Erie | $1,330 |
| Progressive | $1,501 | |
| State Farm | $1,748 | |
| Elkhart | Erie | $999 |
| Progressive | $1,108 | |
| State Farm | $1,263 | |
| Evansville | Erie | $1,117 |
| Progressive | $1,267 | |
| State Farm | $1,470 | |
| Fishers | Erie | $1,012 |
| Progressive | $1,230 | |
| State Farm | $1,254 | |
| Fort Wayne | Erie | $1,005 |
| Progressive | $1,230 | |
| State Farm | $1,320 | |
| Frankfort | Erie | $977 |
| Progressive | $1,100 | |
| State Farm | $1,258 | |
| Franklin | Erie | $1,023 |
| Progressive | $1,169 | |
| State Farm | $1,290 | |
| Gary | Erie | $1,330 |
| Progressive | $1,452 | |
| State Farm | $1,729 | |
| Goshen | Erie | $1,037 |
| Progressive | $1,092 | |
| State Farm | $1,242 | |
| Greenfield | Erie | $1,032 |
| State Farm | $1,197 | |
| Progressive | $1,226 | |
| Greenwood | Erie | $1,023 |
| Progressive | $1,215 | |
| State Farm | $1,337 | |
| Griffith | Erie | $1,174 |
| State Farm | $1,438 | |
| Progressive | $1,456 | |
| Hammond | Erie | $1,330 |
| Progressive | $1,468 | |
| State Farm | $1,689 | |
| Highland | Erie | $1,174 |
| Progressive | $1,331 | |
| State Farm | $1,420 | |
| Hobart | Erie | $1,159 |
| Progressive | $1,323 | |
| State Farm | $1,490 | |
| Huntington | Erie | $977 |
| Progressive | $1,067 | |
| State Farm | $1,159 | |
| Indianapolis | Erie | $1,137 |
| Progressive | $1,327 | |
| State Farm | $1,455 | |
| Jeffersonville | Erie | $1,093 |
| Progressive | $1,390 | |
| Auto-Owners | $1,480 | |
| Kokomo | Erie | $1,021 |
| Progressive | $1,184 | |
| State Farm | $1,270 | |
| La Porte | Erie | $1,106 |
| Progressive | $1,262 | |
| State Farm | $1,384 | |
| Lafayette | Erie | $949 |
| Progressive | $1,111 | |
| State Farm | $1,138 | |
| Lebanon | Erie | $984 |
| State Farm | $1,079 | |
| Progressive | $1,148 | |
| Logansport | Erie | $1,077 |
| Progressive | $1,197 | |
| State Farm | $1,247 | |
| Marion | Erie | $992 |
| Progressive | $1,085 | |
| State Farm | $1,269 | |
| Mishawaka | Erie | $996 |
| Progressive | $1,153 | |
| State Farm | $1,244 | |
| Muncie | Erie | $975 |
| Progressive | $1,112 | |
| State Farm | $1,191 | |
| Munster | Erie | $1,174 |
| State Farm | $1,421 | |
| Progressive | $1,439 | |
| New Albany | Erie | $1,082 |
| Progressive | $1,343 | |
| State Farm | $1,374 | |
| New Castle | Erie | $977 |
| Progressive | $1,044 | |
| State Farm | $1,144 | |
| Noblesville | Erie | $1,012 |
| Progressive | $1,153 | |
| State Farm | $1,288 | |
| Richmond | Erie | $955 |
| Progressive | $1,103 | |
| State Farm | $1,227 | |
| Schererville | Erie | $1,143 |
| State Farm | $1,384 | |
| Progressive | $1,390 | |
| Seymour | Erie | $1,098 |
| Progressive | $1,141 | |
| State Farm | $1,310 | |
| Shelbyville | Erie | $982 |
| State Farm | $1,103 | |
| Progressive | $1,131 | |
| South Bend | Erie | $996 |
| Progressive | $1,196 | |
| State Farm | $1,348 | |
| St. John | Erie | $1,143 |
| Progressive | $1,283 | |
| State Farm | $1,519 | |
| Terre Haute | Erie | $1,089 |
| Progressive | $1,222 | |
| State Farm | $1,382 | |
| Valparaiso | Erie | $1,126 |
| Progressive | $1,267 | |
| State Farm | $1,368 | |
| Vincennes | Erie | $1,116 |
| Progressive | $1,218 | |
| State Farm | $1,278 | |
| Westfield | Erie | $1,012 |
| State Farm | $1,173 | |
| Progressive | $1,204 | |
| Zionsville | Erie | $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 average car insurance prices in 50 of the most populous cities in Indiana listed from cheapest to most expensive.
| Rank | City | Premium |
|---|---|---|
| 1 | Lafayette | $1,328 |
| 2 | Huntington | $1,344 |
| 3 | Richmond | $1,349 |
| 4 | Muncie | $1,357 |
| 5 | Lebanon | $1,379 |
| 6 | Frankfort | $1,380 |
| 7 | New Castle | $1,394 |
| 8 | Crawfordsville | $1,395 |
| 9 | Shelbyville | $1,398 |
| 10 | Carmel | $1,400 |
| 11 | Elkhart | $1,401 |
| 12 | Columbus | $1,403 |
| 13 | Goshen | $1,405 |
| 14 | Westfield | $1,413 |
| 15 | Noblesville | $1,419 |
| 16 | Brownsburg | $1,427 |
| 17 | Greenfield | $1,427 |
| 18 | Marion | $1,429 |
| 19 | Kokomo | $1,432 |
| 20 | Fishers | $1,435 |
| 21 | Mishawaka | $1,435 |
| 22 | Zionsville | $1,438 |
| 23 | Franklin | $1,439 |
| 24 | Bloomington | $1,443 |
| 25 | Logansport | $1,443 |
| 26 | Greenwood | $1,449 |
| 27 | Anderson | $1,451 |
| 28 | Avon | $1,451 |
| 29 | Fort Wayne | $1,466 |
| 30 | South Bend | $1,473 |
| 31 | Vincennes | $1,479 |
| 32 | Seymour | $1,499 |
| 33 | Valparaiso | $1,527 |
| 34 | New Albany | $1,533 |
| 35 | Terre Haute | $1,544 |
| 36 | Clarksville | $1,548 |
| 37 | Evansville | $1,557 |
| 38 | La Porte | $1,564 |
| 39 | Jeffersonville | $1,589 |
| 40 | Dyer | $1,624 |
| 41 | St. John | $1,633 |
| 42 | Indianapolis | $1,636 |
| 43 | Schererville | $1,640 |
| 44 | Hobart | $1,653 |
| 45 | Highland | $1,660 |
| 46 | Munster | $1,678 |
| 47 | Griffith | $1,678 |
| 48 | Hammond | $1,957 |
| 49 | East Chicago | $2,178 |
| 50 | Gary | $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 type | Study 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.
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