Best car insurance companies in Indiana

Fact-checked with HomeInsurance.com

Article Highlights

For drivers looking for the best car insurance in Indiana, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Indiana and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Indiana.

The average Indiana driver pays $1,205 per year for insurance, which breaks down to about $100 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Indiana and may not reflect your actual premium quote.

Indiana quickfacts

  • Cheapest carrier for full coverage in Indiana is Erie: $880
  • Cheapest carrier for minimum coverage in Indiana is Auto-Owners: $259
  • Carrier with highest customer satisfaction in Indiana: USAA
  • Number of uninsured drivers in Indiana: 16.7%
  • Indiana is on the lower end for car insurance rates

Average cost of car insurance in Indiana

Clean record1 speeding ticket1 accident
Full coverage$1,187 $1,535 $1,732
Minimum coverage$372 $480 $569

Quadrant data services, 2020

Best car insurance companies in Indiana

Average annual premiums by insurance carrier

Company Full coverage rate Minimum coverage rate
Allstate$1,264 $552
Progressive$1,312 $412
State Farm$1,067 $346
USAA$887 $271
American Family$1,041 $405
Auto-Owners$1,067 $259
Nationwide$1,254 $385
Erie$880 $262
Indiana Farmers$1,288 $346
Safe Auto$2,469 $549

Quadrant data services, 2020

Car insurance rates in Indiana by city

City Full coverage annual rate Minimum coverage annual rate
Indianapolis$1,294 $404
Fort Wayne$1,149 $377
Evansville$1,232 $408
South Bend$1,163 $360
Carmel$1,105 $372

Quadrant data services, 2020

Methodology

Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

  • $100k bodily injury liability per person
  • $300k bodily injury liability coverage per crash
  • $100k property damage liability coverage per crash
  • $500 collision coverage deductible
  • $500 comprehensive coverage deductible

Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

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