CheapInsurance.com  has put together information, tips, and price comparisons to help you find cheap car insurance in Indiana.

Although Indiana has hundreds of miles of farmland and more than 80% of the land consists of forests, only 14% of the residents live in rural areas.

Most car owners live in urban centers in the state, such as Indianapolis and Evansville, where they are likely to pay more for vehicle coverage.

The average cost of car insurance in Indiana is $367 for minimum insurance and $1,254 for full car insurance.

Hoosier Highways: Indiana Updates & Insurance Insights for 2024

Explore Indiana’s charming towns and scenic byways with these key updates for 2024:

Indiana Vehicle Code Changes:

  • Hands-free law expands: As of July 1st, 2024, using a phone while driving becomes illegal, even at stoplights. Hands-free devices are still allowed. (Source: Indiana House Bill 1072)
  • Increased penalties for driving without insurance: Expect harsher fines and potential vehicle impoundment for driving without valid auto insurance. (Source: Indiana Code Title 9)
  • Motorcycle lane splitting clarification: No explicit legal provisions, but filtering (moving between lanes in slow traffic) is allowed if done safely and not exceeding 10 mph faster than surrounding traffic. (Source: Indiana State Police)

Remember: These are just highlights, and other changes may apply. Visit the Indiana Bureau of Motor Vehicles website for complete information. (Source: Indiana Bureau of Motor Vehicles)

Average Auto Insurance Rates in Indiana (2024):

(Sources: ValuePenguin, The Zebra)

CompanyMinimum CoverageFull Coverage
State Farm$172$408
GEICO$167$371
Progressive$178$363
Farmers$183$394
USAA$189$389

Remember: Individual rates in Indiana can vary significantly based on driving history, location, vehicle type, and desired coverage.

Is Indiana an “At-Fault” State?

Indiana is an at-fault state. This means that if you are involved in a car accident, you will pay the other driver’s damages resulting from the incident (if you caused the crash), or your damages will be paid by the other driver (if they caused the crash).

These damages may include, but are not limited to, the following:

  • Medical bills.
  • Property damage.
  • Lost wages.
  • Pain and suffering.

What you pay for car insurance will depend on factors in your unique driving profile, including:

  • Driving history.
  • Credit rating.
  • Marital status.
  • Age.
  • Gender.
  • Vehicle type.
  • Insurance provider.
  • Location within the state.
  • Coverage type.
  • Set deductible.

To help you find the best deals on car insurance in the state, we’ve compared quotes from these car insurers:

  • Elephant.
  • Clearcover.
  • Midvale.
  • Liberty Mutual.
  • State Auto.
  • Dairyland.

Because the cost of car insurance is dependent on your individual driving profile, we’ve gone a step further and compared the cost of Indiana car insurance for these types of drivers:

  • Good drivers (those with a clean driving record).
  • Young drivers (those aged between 16-25).
  • Bad drivers (those with a history of traffic violations).

Is It Legal to Drive without Car Insurance in Indiana?

Indiana requires all drivers to carry liability coverage, uninsured motorist coverage, and underinsured motorist coverage.

To meet Indiana’s minimum requirements, Indiana drivers should make sure that their car insurance policies include:

  • Bodily injury liability: $25,000 per person/$50,000 per accident.
Key Point: An Explanation of Bodily Injury Liability
  • $25,000 is the maximum bodily injury liability payment under the policy for injury (or death) to one person involved in a single accident.
  • $50,000 is the maximum bodily injury liability payment that can be made for injuries (or deaths) to all persons involved in a single accident.
  • Property damage liability: $25,000 per accident.
  • Underinsured motorist bodily injury: $50,000 per person/$50,000 per accident.
  • Uninsured motorist bodily injury: $25,000 per person/$50,000 per accident.
  • Uninsured motorist property damage: $25,000 per accident.

If you have car insurance, but you can’t provide proof when a law enforcement officer requests it, you have 40 days to provide a certificate of compliance.

After those 40 days, the state will typically suspend your license if you haven’t submitted your certificate.

The state will remove the suspension from your record once you or your insurance provider submits the certificate.

If you operate a motor vehicle without purchasing car insurance and it’s your first offense, you could face the following penalties:

  • A $250 reinstatement fee.
  • A 90-day license suspension.
  • An SR-22 certificate for three years.

How Much Does the Minimum Car Insurance Cost in Indiana?

Car insurance costs in Indiana can vary considerably based on factors such as your age, driving history, ZIP code, make and model of vehicle, and credit score.

All drivers in Indiana have to meet the minimum coverage of car insurance.

If you’re found to be at-fault in a car accident and do not meet the minimum coverage car insurance requirements, you will be held personally responsible for paying the other party’s medical bills, legal bills, and lost wages.

What is minimum liability insurance?

Minimum liability insurance is the least amount of coverage you have to pay for any damages you cause. Liability insurance includes:

  • Bodily injury liability coverage: Bodily injury liability coverage covers other people’s physical damages in an accident.
  • Property damage liability coverage: Property damage liability coverage covers damages to the other driver’s property.

Minimum liability insurance requirements are usually listed as three amounts:

  • The first amount refers to the bodily injury liability limit per person.
  • The second amount refers to the bodily injury liability limit per accident.
  • The third amount refers to your total property damage coverage.

These limits are the maximum that your insurance company will pay out.

Key Point: Is Minimum Liability Coverage Enough?

While it may seem like a good idea to save money by getting only the minimum liability insurance required to comply with Indiana law, this may not be sufficient in many instances.

Let’s look at an example. The Indiana minimum coverage for bodily injury liability is $25,000.

If you’ve caused a serious accident and the other party’s medical bills total $40,000, you have to pay $15,000 from your pocket (the difference between $25,000 and $40,000).

Remember, liability insurance only protects third parties and doesn’t reimburse you if your car is stolen, damaged, or totaled.

We have found that on average, the cost of a minimum liability car insurance policy in Indiana is $123.22.

Elephant offers the lowest insurance rates for minimum liability coverage on average, costing $87.20.

Cheapest Minimum Liability Car Insurance in Indiana 
ProviderMarion CountyLake CountyAllen CountyHamilton CountySt. Joseph CountyAverage
Elephant$93.00$95.00$83.00$87.00$78.00$87.20
Clearcover$102.00$118.00$90.00$85.00$89.00$96.80
Midvale$129.00$134.00$133.00$130.00$133.00$131.80
Liberty Mutual$136.00$138.00$132.00$130.00$128.00$132.80
State Auto$146.00$140.00$119.00$116.00$110.00$126.20
Dairyland$180.00$149.00N/AN/AN/A$164.50

Find Cheap Comprehensive Car Insurance in Indiana

While having a comprehensive car insurance policy is optional in Indiana, you should consider taking it if you can afford to.

If you choose not to take out comprehensive car insurance, it would benefit you to have savings       that will cover damage to your vehicle in the event of the following:

  • Theft or theft of parts.
  • Non-crash damage (natural disasters, fire, flooding).
  • A broken windshield.
  • Car damage from hitting an animal.

Repairing car damage can easily amount to thousands of dollars. Without comprehensive car insurance, you risk finding yourself in a situation where you are unable to drive your car because you cannot afford to repair it.

To help you find the cheapest comprehensive car insurance in Indiana, we compared the rates offered by six insurers. We found that the two cheapest insurance companies in Indiana are:

  • Elephant with average rates of $120.60.
  • Clearcover with average rates of $118.80.
Cheapest Full Coverage Insurance In Indiana
ProviderMarion CountyLake CountyAllen CountyHamilton CountySt. Joseph CountyAverage
Elephant$124.00$133.00$115.00$123.00$108.00$120.60
Clearcover$124.00$144.00$112.00$105.00$109.00$118.80
Midvale$146.00N/A$144.00$130.00$144.00$141.00
State Auto$163.00$159.00$133.00$127.00$124.00$141.20
CSAA$240.00N/AN/AN/AN/A$240.00
Bristol West$213.00$186.00$163.00N/A$165.00$181.75

Cheap Car Insurance in Indiana for Drivers with Clean Driving Records

You can qualify for good driver car insurance rates if you have a history of safe driving.

If your motor vehicle record is free of accidents and claims, you represent a low risk for the insurance company, resulting in lower premium costs.

Companies may offer one or both of two common types of good driver discounts:

  • A discount for avoiding violations for a certain number of years.
  • A discount for avoiding accident claims for a certain number of years.

If you are a new driver without enough driving experience to qualify for a good driver discount, you may wish to consider enrolling in a defensive driving course in order to increase your road sense.

Some car insurance companies will offer an additional discount if you have completed an accredited defensive driving course.

We looked at the average car insurance rates offered by car insurance companies for good drivers. The three cheapest car insurance companies for good drivers are:

  • Elephant with average rates of $92.20.
  • Clearcover with average rates of $109.80.
  • Midvale with average rates of $136.75.
Cheapest Car Insurance for Good Drivers (Clean Driving Records) in Indiana
ProviderMarion CountyLake CountyAllen CountyHamilton CountySt. Joseph CountyAverage
Elephant$96.00$101.00$88.00$93.00$83.00$92.20
Clearcover$115.00$134.00$103.00$97.00$100.00$109.80
Midvale$140.00N/A$137.00$133.00$137.00$136.75
State Auto$156.00$151.00$127.00$123.00$118.00$135.00
Liberty Mutual$166.00$164.00$150.00$150.00$144.00$154.80
Bristol West$191.00$164.00$145.00$147.00$146.00$158.60

Cheap Car Insurance in Indiana for High-Risk Drivers

Car insurance companies use the term ‘high risk’ to describe drivers who are more likely to make a claim against their auto insurance policy.

Some of the offenses that may lead to being considered a high-risk driver include:

  • Receiving a DUI conviction.
  • Reckless driving.
  • Speeding tickets.
  • Driving without meeting the minimum liability coverage requirements.
  • A poor credit score.
  • Unpaid insurance policy premiums.

If you are a high-risk driver, Indiana car insurance companies are likely to increase the cost of your insurance.

We’ve done the hard work of comparing quotes from various insurers to help you find the best rate.

  • The cheapest car insurance company for high-risk drivers is Traders at $147.00.
  • The most expensive car insurance company for high-risk drivers is The General at $314.75.
Cheap Auto Insurance for Bad Drivers in Indiana (DUI, traffic ticket)
ProviderMarion CountyLake CountyAllen CountyHamilton CountySt. Joseph CountyAverage
Traders$147.00N/AN/AN/AN/A$147.00
Elephant$157.00$162.00$136.00$145.00$127.00$145.40
Midvale$187.00$194.00$191.00$189.00$193.00$190.80
Liberty Mutual$213.00$210.00$200.00$204.00$194.00$204.20
Dairyland$214.00N/AN/AN/AN/A$214.00
The General$308.00$328.00N/A$318.00$305.00$314.75

Cheapest Car Insurance in Indiana for Young Drivers

Since young drivers have less experience behind the wheel, insurers tend to charge them higher rates compared to more mature drivers.

A full coverage policy is recommended for teen drivers if they can afford it.

Teens tend to get into accidents more often than adult drivers, so they’re more likely to benefit from having repairs on their car covered.

A minimum coverage policy, though it is much cheaper, could ultimately cost more if a teen gets into a serious accident and has to pay for repairs completely out-of-pocket.

Good student and driver safety course discounts can help young drivers reduce their rates, as can staying on a parent’s policy for as long as possible.

On average, most drivers will see their rates drop as they get older, with a significant decrease once they turn 25 years old.

We’ve compared the cost of car insurance for young drivers to help you save on auto insurance costs.

The cheapest car insurance for young drivers is Clearcover with average rates of $59.00 per month.

Cheapest Car Insurance for Young Drivers in Indiana
ProviderMarion CountyLake CountyAllen CountyHamilton CountySt. Joseph CountyAverage
Clearcover$59.00N/AN/AN/AN/A$59.00
Elephant$92.00$100.00$95.00$100.00$90.00$95.40
Traders$116.00$148.00$132.00$132.00$133.00$132.20
Liberty Mutual$140.00$217.00$189.00$195.00$183.00$184.80
Midvale$155.00$220.00$199.00$197.00$200.00$194.20
CSAA$237.00N/AN/A$288.00N/A$262.50

Need Cheap Car Insurance in Other States?

Out-of-state insurance is illegal in almost all U.S. states and is considered to be insurance fraud. This means that your car insurance must be registered in the state in which you live.

Some of the penalties for committing insurance fraud include:

  • Up to five years in prison.
  • A $50,000 fine.

If you plan to move from Indiana, you will need to find a new car insurance company in the state you move to. You will usually have a 90-day grace period to cancel your car insurance and get car insurance in your new state.

Top Tips for Finding Affordable Car Insurance

Consider how you use your car

If you only use your car to drive short distances such as to work and the grocery store, most types of standard car insurance should cover your needs.

If, however, you have unique needs, you should check whether your car insurance company covers these requirements.

Unique needs may include:

  • Multiple drivers sharing one car.
  • Using your car for ridesharing.
  • Using your car for work-related deliveries.
  • Consolidating all of your insurance policies under one provider.

Compare quotes from different car insurance companies

It’s always a good idea to shop around before making a decision about car insurance.

Although you can do the research yourself, going through an insurance agent can save you a lot of time and money.

The only way to be completely certain that you’re getting the best rates on your car insurance is to compare quotes from multiple insurers.

To save time, you can go through a licensed insurance agent or compare quotes from different insurance providers by using our online quote finder.

Top Car Insurance Companies in Indiana

Midvale

Midvale Insurance is part of American Family Insurance, widely known as AmFam. In the U.S., AmFam is:

  • The 13th largest property & casualty (P&C) insurance group.
  • The eighth largest homeowners insurance company.
  • The ninth largest private passenger auto insurer, based on written premiums.

AmFam splits its product lines into three sections: vehicle insurance, property & business, and added protection.

Under vehicle insurance, the firm covers cars, motorcycles, RVs, boats, ATVs, snowmobiles, and classic cars.

With over 90 years of experience, AmFam has built itself into one of the most popular U.S. insurance brands.

It has gained popularity by following up on its promise to provide excellent insurance coverage and support for its clients.  

Bristol West

Founded in 1973, Bristol West’s national footprint makes it one of the top ten biggest insurance companies in the U.S.

Bristol West was originally created to provide high-risk drivers with affordable insurance policies and has since expanded its services to all types of drivers.

Some of the benefits offered by Bristol West include:

  • Multiple policy bundling discounts.
  • Personalized car insurance policies.
  • Rideshare coverage.
  • Medical payments.
  • Gap coverage.
  • Towing and roadside assistance.
  • Rental car reimbursement.

Car Insurance in Indiana FAQs

Do I need to have car insurance in the State of Indiana?

Like car accident laws, car insurance requirements vary from state to state. In Indiana, every motorist must carry the following:

  • Bodily injury liability: $25,000 per person/$50,000 per accident.
  • Property damage liability: $25,000 per accident.
  • Underinsured motorist bodily injury: $50,000 per person/$50,000 per accident.
  • Uninsured motorist bodily injury: $25,000 per person/$50,000 per accident.
  • Uninsured motorist property damage: $25,000 per accident.

What are the cheapest car insurance companies in Indiana?

The amount you pay for a car insurance policy in Indiana depends on several criteria, including your age, credit score, and gender, along with your claims and driving history.

For minimum liability, the cheapest auto insurance on offer is from Elephant at $87.20 while the cheapest comprehensive cover is available from Clearcover for $118.80.

We found that the two cheapest insurance companies in Indiana are:

  • Elephant with average rates of $120.60.
  • Clearcover with average rates of $118.80.

What is the best auto insurance company in Indiana?

Determining the best auto insurance company in Indiana comes down to individual preferences and needs.

When choosing the best auto insurance, consider what is most important to you, such as price, coverage offerings, available discounts, or customer satisfaction.

The best car insurance company may not have the cheapest rates but may excel in another important area for you.

How long do you have to insure a new car in Indiana?

The Indiana new-car insurance grace period is 2 to 30 days in most cases.

The new-car grace period is how long insured drivers are allowed to drive a newly purchased vehicle before adding it to an existing car insurance policy.

Is car insurance expensive in Indiana?

To find the cheapest car insurance in Indiana, we recommend comparing insurance quotes from multiple companies.

This can be a time-consuming process, so find the best deals by starting a free quote.