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Last updated: March 20, 2025
Compare Cheap Auto Insurance in Indiana
Hastings Mutual offers the cheapest full coverage auto insurance in Indiana while USAA has the best rates for minimum coverage.
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At $1,713 per year, the average cost of full coverage auto insurance in Indiana is 29 percent lower than the national average of $2,399. Minimum coverage is also affordable in the Hoosier State, at $500 per year on average, which is 21 percent below the national average of $635.
Indiana is a relatively rural state and it uses an at-fault insurance system, both of which contribute to low average premiums. However, drivers in more densely populated urban areas such as Indianapolis and Evansville can expect to pay more for auto insurance on average.
Overview
- Auto insurance in Indiana costs $1,713 annually on average for full coverage. The average cost of minimum coverage is $500 annually.
- Hastings Mutual and USAA offer the cheapest rates for full coverage and minimum coverage, respectively.
- Travelers, Auto-Owners and GEICO also provide competitive rates in most categories for nonmilitary drivers.
Jump to:
- Cheapest full coverage auto insurance in Indiana: Hastings Mutual ($1,003 annually) and USAA ($1,031 annually)
- Cheapest minimum coverage: USAA ($293 annually) and Grange Insurance ($376 annually)
- Cheapest with a teen driver: USAA ($2,968 annually) and GEICO ($3,896 annually)
- Cheapest with a speeding ticket: USAA ($1,270 annually) and Travelers ($1,674 annually)
- Cheapest with an at-fault accident: USAA ($1,522 annually) and Travelers ($1,842 annually)
- Cheapest with a DUI: Progressive ($1,727 annually) and USAA ($1,818 annually)
- Cheapest with low credit: USAA ($2,395 annually) and Travelers ($2,755 annually)
Cheapest Car Insurance in Indiana for Full Coverage: Hastings Mutual
The cheapest full coverage auto insurance in Indiana is offered by Hastings Mutual at $1,003 annually on average — 41 percent lower than the state average of $1,713 annually. USAA comes in second place with an average annual rate of $1,031 but it is only available to military-affiliated drivers.
| Provider | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Hastings Mutual | $1,003 | $84 |
| USAA | $1,031 | $86 |
| Travelers | $1,326 | $111 |
| GEICO | $1,411 | $118 |
| Auto-Owners | $1,530 | $128 |
| Progressive | $1,567 | $131 |
| Grange Insurance | $1,688 | $141 |
| Indiana average | $1,713 | $143 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Indiana for Minimum Coverage: USAA
USAA has the cheapest average rates for minimum coverage in the Hoosier State at $293 per year, which is 41 percent below the statewide average. Grange Insurance and Auto-Owners also offer affordable rates at $376 annually and $391 annually, respectively.
| Provider | Annual Minimum Coverage | Monthly Minimum Coverage |
|---|---|---|
| USAA | $293 | $24 |
| Grange Insurance | $376 | $31 |
| Auto-Owners | $391 | $33 |
| Travelers | $450 | $38 |
| Progressive | $466 | $39 |
| GEICO | $490 | $41 |
| State Farm | $642 | $54 |
| Indiana average | $500 | $42 |
| National average | $635 | $53 |
Tip:
Although minimum coverage is the cheapest auto insurance available, you may end up paying more in the long run if you have to file a claim and don’t have enough coverage. Minimum limits often don’t provide sufficient coverage, so we recommend increasing your limits to at least 100/300/100 and considering full coverage if you can afford to do so.
Cheapest Car Insurance in Indiana for Teen Drivers: USAA
Teen auto insurance is more expensive on average than coverage for other age groups due to their inexperience on the road. In Indiana, USAA has the cheapest average premium for teens at $2,968 per year, which is 40 percent cheaper than the statewide average. However, teens must be affiliated with the military, either themselves or via their parents, to be eligible for USAA. GEICO and Progressive have the next cheapest rates at $3,896 per year and $3,941 per year, respectively.
| Provider | Annual With Teen Driver | Monthly With Teen Driver |
|---|---|---|
| USAA | $2,968 | $247 |
| GEICO | $3,896 | $325 |
| Progressive | $3,941 | $328 |
| Travelers | $4,656 | $388 |
| Auto-Owners | $4,883 | $407 |
| Progressive | $5,450 | $454 |
| Allstate | $5,594 | $466 |
| State Farm | $5,803 | $484 |
| Indiana average | $4,978 | $415 |
| National average | $5,327 | $444 |
Cheapest Car Insurance in Indiana With a Speeding Ticket: USAA
Drivers in Indiana with a speeding ticket who are eligible for USAA can benefit from the affordable rates offered by this provider, which has an average rate of $1,270 per year. Nonmilitary drivers can still find competitive rates from Travelers and Auto-Owners, whose rates are 13 percent and 11 percent below the state average, respectively.
| Provider | Annual With Speeding Ticket | Monthly With Speeding Ticket |
|---|---|---|
| USAA | $1,270 | $106 |
| Travelers | $1,674 | $140 |
| Auto-Owners | $1,719 | $143 |
| State Farm | $1,968 | $164 |
| Progressive | $1,980 | $165 |
| GEICO | $2,017 | $168 |
| Statewide average | $1,935 | $161 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in Indiana With an At-Fault Accident: USAA
USAA also offers the cheapest rates for Indiana drivers with an at-fault accident at $1,522 annually, which is 35 percent cheaper than the state average. Drivers not eligible for USAA may find the best rates from Travelers and Auto-Owners.
| Provider | Annual With At-Fault Accident | Monthly With At-Fault Accident |
|---|---|---|
| USAA | $1,522 | $127 |
| Travelers | $1,842 | $154 |
| Auto-Owners | $1,883 | $157 |
| State Farm | $2,161 | $180 |
| Progressive | $2,241 | $187 |
| GEICO | $2,421 | $202 |
| Allstate | $3,727 | $311 |
| Statewide average | $2,350 | $196 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in Indiana With a DUI: Progressive
Progressive offers the cheapest rates for drivers in Indiana with a DUI, with an average annual premium of $1,727 — 40 percent lower than the state average. Progressive was named the best auto insurance provider for drivers with DUIs in our 2025 analysis. USAA and Travelers also offer affordable rates, but, again, the former is only available to the military community. Insurance premiums can increase by an average of 68 percent following a DUI conviction in Indiana, so getting a good deal is especially important.
| Provider | Annual With DUI | Monthly With DUI |
|---|---|---|
| Progressive | $1,727 | $144 |
| USAA | $1,818 | $151 |
| Travelers | $1,902 | $159 |
| State Farm | $2,703 | $225 |
| GEICO | $2,930 | $244 |
| Auto-Owners | $3,105 | $259 |
| Allstate | $3,135 | $261 |
| Statewide average | $2,883 | $240 |
| National average | $3,305 | $275 |
Cheapest Car Insurance in Indiana With Low Credit: USAA
Drivers with poor credit pay significantly more on average for car insurance than those with excellent credit. USAA’s average annual premium of $2,395 is the lowest for drivers with poor credit in Indiana, followed by Travelers at $2,755 annually and GEICO at $3,008 annually.
| Provider | Annual With Low Credit | Monthly With Low Credit |
|---|---|---|
| USAA | $2,395 | $200 |
| Travelers | $2,755 | $230 |
| GEICO | $3,008 | $251 |
| Progressive | $3,881 | $323 |
| Statewide average | $3,204 | $267 |
| National average | $3,377 | $281 |
Best Claims and Customer Satisfaction in Indiana: State Farm
While cost is a very important metric when evaluating car insurance policies, customer service experience is worth considering as well. In Indiana, State Farm has the strongest customer satisfaction ratings for nonmilitary drivers (USAA is best for military drivers). State Farm tends to have average to above-average rates in Indiana, but paying a higher premium may be worth it to some drivers if customer service is a priority.
| Provider | North Central Customer Satisfaction (J.D. Power)1 | Claims Satisfaction (J.D. Power)2 | CRASH Network Insurer Report Card Grade3 |
|---|---|---|---|
| USAA | 759 | 726 | D+ |
| State Farm | 665 | 710 | C- |
| Grange Insurance | 655 | N/A | C+ |
| Allstate | 652 | 691 | D |
| Progressive | 648 | 672 | C |
| Auto-Owners | 646 | 692 | B |
| GEICO | 641 | 692 | C- |
| Travelers | 606 | 684 | C |
| Hastings Mutual | N/A | N/A | B- |
| Average | 652 | 697 | C+ |
How to Find the Cheapest Car Insurance Rates in Indiana
- Compare rates: Always get quotes and compare rates from at least three different companies as rates can vary widely. This way, you can make sure you’re getting a good deal.
- Bundle policies: Most insurers provide savings opportunities for purchasing more than one type of insurance policy from them. If you’re in the market for more than just auto insurance, including home or renters insurance, get quotes for both so that you can take advantage of any bundling discounts.
- Drop unnecessary coverages: Every coverage you add to your auto policy increases your premium. While many of these may be necessary for you, evaluate whether it may make sense to drop any. For example, if you have an older car, full coverage may no longer be worth paying for. If you have roadside assistance via a program like AAA, you may not need to pay for that through your auto insurance as well.
- Lower your liability limits: Similar to dropping coverage, decreasing your limits for bodily injury and/or property damage liability will lower your premium. However, before doing so, make sure the lower rate is worth potentially having to pay more out of pocket if your low coverage limits are not able to cover a future claim.
Average Auto Insurance Cost in Indiana by City
Your auto insurance premiums can change based on where you live in Indiana. For example, average rates are highest in the capital of Indianapolis at $1,852 per year. This is slightly higher than the Indiana average. However, rates in Carmel are 8 percent lower than the state average, at $1,568 annually.
| City | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Indianapolis | $1,852 | $154 |
| Evansville | $1,740 | $145 |
| South Bend | $1,655 | $138 |
| Fort Wayne | $1,637 | $136 |
| Carmel | $1,568 | $131 |
| Indiana average | $1,713 | $143 |
Minimum Car Insurance Requirements in Indiana
Indiana law requires drivers to have an auto insurance policy with at least the following bodily injury and property damage liability limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000 per accident
Indiana’s minimum coverage limits are in line with many other states and offer a basic level of financial protection, but they may fall short if you cause an accident and need to file a claim. To help mitigate financial risk and prevent having to pay an exorbitant amount out of pocket, plan to get higher liability limits if possible. It’s also a good idea to opt for full coverage if you want to cover damages to your own vehicle, as this is not included in minimum coverage.
Frequently Asked Questions
What is the cheapest car insurance in Indiana?
USAA, Grange Insurance and Hastings Mutual tend to offer the cheapest car insurance in Indiana. For minimum coverage, the cheapest average rates are offered by USAA ($293 annually) and Grange Insurance ($376 annually). The cheapest average rates for full coverage are from Hastings Mutual ($1,003 annually) and USAA ($1,031 annually).
How much is car insurance per month in Indiana?
Car insurance in Indiana costs an average of $143 per month for full coverage and $42 per month for minimum coverage. This is 29 percent and 21 percent below the national average, respectively.
Does credit score affect car insurance?
Credit score itself doesn’t technically affect car insurance rates, but insurers use your overall credit history to calculate a credit-based insurance score, which is a factor used to determine premiums in most states. Since credit score is part of your credit history, maintaining a high credit score and good overall credit can help you secure lower rates in Indiana.
Are there any specific car insurance companies that offer better rates for drivers with prior incidents in Indiana?
Yes, certain companies have lower rates, on average, for drivers with prior incidents in Indiana. The exact rate you’re quoted will depend on various factors, including your specific driving profile, but here are the companies with the cheapest average rates for different violations:
| Violation Type | Cheapest Company | Annual Average Rate | Monthly Average Rate |
|---|---|---|---|
| Speeding Ticket | Travelers* | $1,674 | $140 |
| At-Fault Accident | Travelers* | $1,842 | $154 |
| DUI | Progressive | $1,727 | $144 |
*USAA is technically the cheapest in these categories, but it’s only available to the military community.
Methodology
We analyze average auto insurance premiums in Indiana for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with speeding tickets, DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:
- 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
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyInsurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/
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