Last updated: January 13, 2026Best Auto Insurance in Indiana in 2026
USAA, GEICO, Progressive, Erie, and Nationwide are our top picks for auto insurance in Indiana for various situations.
Best for Military and Veterans
Editor's Rating:
5/5
5/5Full Coverage Averages in Indiana
- Annual Premium: $1,139
- Monthly Premium: $95
Best for Households with Teens
Editor's Rating:4.2/5
4.2/5Full Coverage Averages in Indiana
- Annual Premium: $1,545
- Monthly Premium: $129
Best After a DUI
Editor's Rating:4.7/5
4.7/5Full Coverage Averages in Indiana
- Annual Premium: $1,493 (clean record)
- Monthly Premium: $124 (clean record)
Key Takeaways
- Drivers in Indiana looking for the best customer experience should consider purchasing auto insurance from Erie. Our picks for the best auto insurance providers in the state also include Nationwide, USAA, GEICO, and Progressive.
- Auto insurance in Indiana costs $1,828 per year on average for full coverage and $558 for minimum coverage, both of which are cheaper than the national average.
- Our pricing data reflects average rates, which is useful to show overall pricing trends, but keep in mind that what you pay will vary depending on personal details such as age and driving history.
Summary of the Best Auto Insurance in Indiana
- Best for Military and Veterans: USAA
- Best for Households with Teen Drivers: GEICO
- Best After a DUI: Progressive
- Best for Customer Service: Erie
- Best for Pay-Per-Mile: Nationwide
Compare the Best Cheap Auto Insurance in Indiana
| Company | Full Coverage Monthly Avg. in IN | Minimum Coverage Monthly Avg. in IN | North Central customer satisfaction (J.D. Power) |
|---|---|---|---|
| USAA | $95 | $27 | Above average |
| GEICO | $129 | $43 | Above average |
| Progressive | $124 | $39 | Below average |
| Erie | Data not available | Data not available | Above average |
| Nationwide | Data not available | Data not available | Above average |
| Indiana | $156 | $46 | – |
FYI:
We have a whole page dedicated to car insurance requirements and laws in Indiana.
Breaking Down the Best Cheap Auto Insurance in Indiana
1. Best for Military and Veterans - USAA
What We Like Most:
- Cheap average rates in Indiana
- Service tailored to military community
- Offers competitive auto loans
Why we chose it
USAA caters to the military community with specialized coverage options, discounts, perks, and lower-than-average premiums. In addition to insurance, it offers banking and investment products to U.S. Armed Forces service members, families, and veterans.
USAA’s average rates are the cheapest in Indiana for both full and minimum coverage, and you can save with a robust set of safe-driving discounts. USAA offers two telematics programs called SafePilot and SafePilot Miles, as well as defensive driving and driver training discounts.
USAA also has a very high customer satisfaction rating in the North Central region (which includes Indiana), according to J.D. Power’s 2025 U.S. Auto Insurance Study. Its score of 728 is higher than even the top-ranked insurance provider in the region, Erie, although its limited customer base makes it ineligible for the study award criteria.
Who it’s best for
Active duty and deployed military members, safe drivers, rideshare drivers
USAA Indiana Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $95 | $27 |
| Annually | $1,139 | $324 |
| Difference from Indiana average | -39% | -42% |
2. Best for Households with Teen Drivers - GEICO
What We Like Most:
- Online quotes and purchasing
- Long list of discounts
- Affordable rates for teens in Indiana
Why we chose it
GEICO offers the most affordable average rates for teen drivers in Indiana after USAA, which is only available to those affiliated with the military. It also has below-average rates for safe adult drivers in the state. Teens pay more than any other age group for auto insurance, on average, due to their higher risk profile, so it’s especially important to find a provider that quotes you a reasonable rate.
GEICO also offers more discount opportunities than almost any other provider, including several that young drivers can take advantage of. Full-time students who maintain a good academic record (usually at least a B average) can receive a discount of up to 15 percent. Students who are away at school without regular access to a covered vehicle may also be eligible for a discount, as are young drivers who complete a driver education course.
Who it’s best for
Families with teen drivers, members of the military and federal workers who qualify for discounts, those who want to purchase policies online
GEICO Indiana Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $129 | $43 |
| Annually | $1,545 | $513 |
| Difference from Indiana average | -17% | -8% |
3. Best After a DUI - Progressive
What We Like Most:
- Cheap rates after a DUI in Indiana
- Name Your Price tool lets you pick coverage for your budget
- Great digital tools
Why we chose it
A DUI is a serious driving violation, and it results in serious consequences. In addition to the legal ramifications, a DUI often results in a higher auto insurance premium. Progressive offers cheap auto insurance rates for Indiana drivers with less-than-stellar driving records — the average annual cost of auto insurance with Progressive after a DUI in Indiana is $1,697, or about $240 more than full coverage insurance.
Like all the companies on this list, Progressive offers a usage-based insurance program in Snapshot. The program offers a mobile app or plug-in device to track your driving habits, including braking, accelerating, driving late, distracted driving, and how much you drive. Progressive will check your driving habits every six months to adjust your rates. This is a good option to help incentivize safe driving, but if it detects risky driving, your rate could actually go up.
Who it’s best for
Drivers with a DUI on their driving record, drivers looking for accident forgiveness, customers who prefer to manage their policies digitally
Progressive Indiana Pricing
| Progressive | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $124 | $39 |
| Annually | $1,493 | $464 |
| Difference from Indiana average | -20% | -17% |
4. Best for Customer Service - Erie
What We Like Most:
- Option to lock in your rate
- Excellent customer service ratings
- Regional provider
Why we chose it
Erie is a regional insurer available in 12 states (and D.C.), including Indiana. While pricing data is not available for Indiana, Erie is known for offering competitive rates. It has a very strong customer service record in Indiana, making it our top choice for drivers looking for the best customer experience from their auto insurance provider. Erie ranked first in the North Central region for customer satisfaction in J.D. Power’s 2025 Auto Insurance Study and first in J.D. Power’s Auto Claims Satisfaction Study.
One of Erie’s unique offerings is its rate lock option, which allows policyholders to lock in their rates as long as they don’t add or remove drivers from the policy or move. This prevents yearly premium increases that are common across the board with other insurers. Erie also has some unique coverages you can choose to add to your auto policy, such as pet coverage, personal item coverage, and Auto Plus, which includes a diminishing deductible, a $10,000 death benefit, and more.
Who it’s best for
Drivers prioritizing customer service, people who want to lock in their rate, those who prefer to work with a local agent.
5. Best for Pay-Per-Mile - Nationwide
What We Like Most:
- Multiple usage-based options
- Discounts for safe driving
- Strong customer service ratings
Why we chose it
Nationwide has two usage-based insurance programs that you can take advantage of depending on your driving habits and needs: a pay-per-mile insurance plan called SmartMiles and a telematics program called SmartRide. The latter provides insights into how you drive and rewards you for driving safely with a discount of up to 40 percent on your premium. Meanwhile, SmartMiles is ideal for low-mileage drivers and charges you based on how much you drive.
In addition to its telematics programs, Nationwide offers several other discounts to help safe drivers save even more money on premiums. These include an accident-free discount for those who maintain an accident-free record, and a safe driving discount for those who have been free of major violations for at least five years. Additional discounts include multi-policy, defensive driving, and smart student discounts.
Who it’s best for
Low-mileage drivers, safe drivers, drivers of new cars.
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – North Central1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| USAA | 728 | D+ | 741 | 2.74 |
| Progressive | 634 | C | 673 | 2.51 |
| GEICO | 651 | C- | 697 | 1.95 |
| Erie | 684 | A- | 743 | 1.13 |
| Nationwide | 674 | C | 729 | 2.78 |
| Average | 643 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Average Cost of Auto Insurance in Indiana
Full Coverage Rates in Indiana
The average cost of full coverage auto insurance in Indiana is roughly $1,828 per month, which is over $500 lower than the national average.
| Category | Full coverage average (annual) | Full coverage average (monthly) |
|---|---|---|
| Indiana average | $1,828 | $152 |
| National average | $2,356 | $196 |
Minimum Coverage
Minimum coverage insurance is also lower in Indiana compared to the national average. It costs an average of $558 per year in the state, or $46 per month, which is 23 percent cheaper than the national average.
| Category | Minimum coverage average (annual) | Minimum coverage average (monthly) |
|---|---|---|
| Indiana average | $558 | $46 |
| National average | $722 | $60 |
Cost of Auto Insurance in Indiana by City
The cost of auto insurance can vary depending on where you live, even down to the city. In Indiana, for example, Carmel has some of the cheapest rates compared to other cities at $131 per month, which is below the state average. Meanwhile, Indianapolis is the most expensive city for car insurance, with an average monthly premium of $154.
| City | Monthly average premium | Annual average premium |
|---|---|---|
| Indianapolis | $154 | $1,428 |
| Evansville | $145 | $1,341 |
| South Bend | $138 | $1,276 |
| Fort Wayne | $136 | $1,262 |
| Carmel | $131 | $1,209 |
How Many Car Accidents Happen in Indiana?
In 2023, there were 198,247 car accidents in Indiana, which represented a slight decrease from 2022.5 There were 871 fatal accidents resulting in 928 fatalities. Another 44,552 accidents caused injuries, while the majority involved only property damage. Of those killed, 627 were drivers, 160 were passengers, 134 were pedestrians, and seven were cyclists. The most dangerous months were October and November, while the most dangerous days were Thursday and Friday.
Minimum Auto Insurance Requirements in Indiana
Indiana residents are required under state law to carry auto insurance with at least these minimum coverage limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000 per accident
Minimum coverage is the most affordable auto insurance option in terms of the premiums you pay, but if you get into a bad accident, you may end up paying significantly more out of pocket. To ensure you’re adequately covered, it’s wise to get higher liability limits and add full coverage to your policy.
Methodology
We evaluated auto insurance providers in Indiana based on the following key criteria:
- Pricing (40%): We reviewed average annual premiums for full and minimum coverage for a typical driver. We also assessed rates for high-risk profiles, such as drivers with DUIs. Pricing analysis also encompassed discounts such as bundling, good student, and telematics options. We base our minimum coverage limits on state laws, and use the following limits for full coverage:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): We assessed the efficiency and fairness of claims processing by listening to customer feedback and consulting third-party evaluations from reputable sources like J.D. Power and AM Best.
- Customer Experience (25%): This category evaluated the overall experience of obtaining quotes, purchasing policies, and interacting with insurers. We considered factors such as the ease of online processes, regional customer satisfaction scores from studies like J.D. Power’s U.S. Auto Insurance and Digital Experience studies, complaint data from NAIC, and BBB ratings.
- Coverage Options (10%): We favored insurers that offered a wide range of coverage options beyond basic requirements, including gap insurance, rideshare coverage, accident forgiveness, and other enhancements.
Read more about our ratings and methodology.
Frequently Asked Questions
USAA offers the cheapest auto insurance in Indiana for both full coverage ($1,139) and minimum coverage ($324), but it’s only available to military-affiliated drivers. Hastings Mutual has the next-cheapest full coverage rates ($1,203), and Auto-Owners has the next-cheapest minimum coverage rates ($402).
Car insurance costs an average of $152 per month — about 22 percent lower than the national average.
GEICO has better customer service ratings in Indiana than Progressive, but which company is better ultimately depends on your situation. For example, if you have a DUI on your record, you may find that Progressive offers much better rates, and that may make it a better company for you.
Sources
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, Jun 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. CRASH Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htmCrash Statistics. Indiana Criminal Justice Institute. (2026).
https://www.in.gov/cji/research/crash-statistics/
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