The Best Auto Insurance in Indiana

If you’re high risk, either because you’re young and/or inexperienced or because you have multiple traffic violations on your record, then your auto insurance premium will be higher than average. Allstate offers robust coverage options to keep you whole and usage-based insurance to keep your costs down. That’s why 16 million people in the United States use Allstate.

Coverage options

Just because Indiana’s minimum coverage requirements are low, doesn’t mean you shouldn’t opt for more coverage. Low limits make insurance affordable, but liability insurance does not cover your injuries and damages. Allstate provides coverage for cars, motor homes, RVs, and classic cars, among other products. You can also add the following coverage options:

• Collision
• Comprehensive
• Medical payments
• Mexico coverage
• Uninsured/underinsured motorist coverage
• 24/7 roadside assistance
• Windshield and glass repairs
• Rental reimbursement
• Umbrella policy

Discounts for High-Risk Drivers

Allstate’s safe driving discounts can apply to your premium even if you have a poor driving record (or no driving history). There are also numerous other discounts Allstate offers that you may be eligible for. Check online or with a local agent; they’re everywhere from Anderson to Wolcottville.

These are the discounts we recommend you inquire about, especially if you’re a high-risk driver who is likely to have higher premiums:

• Multiple-policy discount: Bundle your home or renters insurance with an auto policy to save up to 25 percent.
• New-car discount: This applies if your vehicle is the current model year or one year older and you are the original owner.
• Smart student discount: Allstate offers several ways to achieve a student discount, including maintaining a GPA of 2.7, completing a driver’s education program, and garaging your car at home while you go to college in another city or state.
• Vehicle equipment discount: Save on your premium if your car has an anti-theft device.
• Paid-in-full discount: This may be self-explanatory, but you will save money if you pay your policy in full or if you have not received a cancellation notice for nonpayment in the past year
• Paperless and automatic billing: Allstate gives you a discount if you go green by setting up automatic withdrawals for your premium or ePolicy documents.

Drivewise

Allstate has our favorite pay-per-mile insurance mobile app: Drivewise. The safe driving program provides insights into how you drive and rewards you for driving safely with discounts on your premium. This program can help young, inexperienced drivers build up safe habits. It also includes Crash Detection, which sends assistance if you are in an accident.

USAA caters to a very specific clientele with specialized coverage options, discounts, perks, and lower-than-average premiums. It offers insurance, banking, and investment products to U.S. Armed Forces service members, families, and veterans. USAA has a very high customer satisfaction rating in Indiana, according to J.D. Power’s 2023 survey; its score of 878 is higher than even the top-ranked insurance provider in the North Central region, although its limited customer base makes it ineligible for the study award criteria.¹

Safe-Driving Perks

USAA offers low rates in general, but you can also save with a robust set of safe-driving discounts. USAA offers a telematics-based driver behavior program called SafePilot, as well as defensive driving and driver training discounts.

Membership Requirements

USAA requires an acceptable military document and government-issued identification to sign up for an auto insurance policy. Acceptable documents include:

• DD214 (long version)
• DD Form 4, if you are in a Delayed Entry Program
• Discharge Certificate
• Government-issued ID, such as a driver’s license, ID card, or passport
• Leave & Earnings statement
• Military orders, if you’re actively serving

A whopping 70 percent of housing units in Indiana are occupied by their owners, according to the United States Census, with an average of 2.5 persons per household.² With rising interest rates and inflation, it’s safe to say most homeowners are looking for ways to reduce the costs associated with owning property. One way to do so is to bundle your home and auto insurance policies through Liberty Mutual. It offers the most savings opportunities for homeowners and customers who bundle with auto.

Bundling Home and Auto

Liberty Mutual offers a discount of 10 to 25 percent when you bundle your auto insurance with homeowners, condo, renters, or motorcycle insurance. It also has a discount for homeowners without bundling. Homeowners insurance protects your family and your home from unforeseen incidents, including theft and natural disasters.

RightTrack Driver Monitoring Program

Liberty Mutual’s driver behavior program, RightTrack, can save you up to 30 percent on your auto policy when you practice safe driving habits. After you enroll and download the app, you’ll enter a 90-day monitoring period and receive an automatic 10 percent initial discount. Liberty Mutual determines your RightTrack score from your driving habits and applies it to your policy at the end of the three months. Behaviors the app is tracking for Indiana drivers include braking, acceleration, nighttime driving, rush hour driving, frequency at lower speeds, and distracted driving.

Partner Programs

Liberty Mutual partners with over 15,000 companies and organizations, such as the Autism Society of America and the Navy Federal Credit Union. Homeowners receiving insurance through one of these affinity partnerships receive lower annual premiums, program support from trained representatives, and easy payment options.