Best Car Insurance in Indiana for 2025

With stunning natural sites, delicious food, and exciting sports and cultural events, entertainment isn't more than a short drive away for many residents of the Hoosier State. Thankfully, car insurance rates are generally more affordable than in other states, making it the perfect excuse to hop in the car for a getaway.

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Key takeaways

The best car insurance in Indiana is USAA, which offers comprehensive coverage for a monthly average of $65.
Drivers with a clean driving record pay an average of $138 per month in Indiana.

Best car insurance companies in Indiana

The best car insurance in Indiana generally comes from USAA, which has the state's cheapest full and minimum coverage. Allstate had the most expensive car insurance on our list, costing an average of $145 per month for full coverage and $86 a month for minimum coverage.

Provider	J.D. Power customer satisfaction rating	Estimated monthly full coverage	Estimated monthly minimum liability coverage
USAA	878/1,000	$65/month	$39/month
State Farm	837/1,000	$61/month	$36/month
GEICO	831/1,000	$74/month	$54/month
Allstate	822/1,000	$145/month	$86/month
Progressive	816/1,000	$101/month	$51/month
Farmers	816/1,000	$127/month	$75/month

USAA: Highest customer satisfaction

USAA earned the highest customer satisfaction score in Indiana. It also provided the cheapest coverage in the state, averaging $39 monthly for minimum coverage and $65 per month for full coverage. USAA has multiple policy options, including some optional coverages like roadside assistance. However, its policies are not available to the general public.

Pros

USAA has multiple discounts, including up to 10% off for bundling home and auto policies
It had the best pricing on our list for full and minimum car insurance

Cons

Only military members and their families qualify for USAA policies
USAA has fewer specialty policy options than some competitors

Get a quote now | USAA review

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Erie: Most affordable coverage

Erie Insurance had the most affordable coverage available to everyone in the state. Its full coverage averages $786 annually, and its minimum coverage is only $301 per year. Erie has standard coverages like collision and comprehensive, but it also offers optional coverages not found with some competitors, such as locksmith services, pet coverage, and personal item protection.

Pros

Erie earned the second-highest customer satisfaction score on our list
It has various discounts, including first-accident forgiveness

Cons

Erie only has agents in and around the Indianapolis area
Its safe driving app, YourTurn, does not offer policy savings, just $5 gift cards

Get a quote now | Erie review

State Farm: Best for new drivers

State Farm had Indiana's third-cheapest car insurance, costing an average of $61 monthly for full coverage and $36 for minimum coverage. While you may pay more to use State Farm in Indiana, it may be worth it to families with teenagers since it offers specific policies and discounts totaling as much as 25% for new drivers.

Pros

State Farm received relatively high customer satisfaction ratings
It has multiple insurance agents throughout Indiana

Cons

You can likely find more discounts with a competitor
It doesn't offer some specialized policies, like gap insurance

Get a quote now | State Farm review

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GEICO: Best for multi-driver discounts

GEICO is a more expensive option for insurance in Indiana, averaging $74 monthly for full coverage and $54 for minimum coverage. However, GEICO gives customers up to 25% off their premium for insuring more than one vehicle, and some drivers may qualify for additional savings by bundling multiple policies together.

Pros

GEICO has multiple policy options, including rental reimbursement
Its minimum coverage was less expensive than that of some competitors

Cons

GEICO only has three insurance agents in the state
It earned only average customer service scores

Get a quote now | GEICO review

Allstate: Best for coverage options

While Allstate was the most expensive carrier on our list, it offers more policy options, including accident forgiveness, rideshare insurance, vanishing deductible, and rental reimbursement. It also has policies specific to new or classic cars.

Pros

Allstate's Drivewise program offers a policy credit for every six months of safe driving
It has a wide variety of policy options

Cons

You may find more discounts with a competitor
It was the most expensive carrier on our list

Get a quote now | Allstate review

Indiana auto insurance requirements

Many states require drivers to carry a minimum level of insurance to drive legally. In Indiana, the minimum limits are:

$25,000 in bodily injury liability for one person in an accident
$50,000 in bodily injury liability for two or more people in an accident
$25,000 in personal property protection

Drivers must also have uninsured motorist protection equal to the liability minimums above.

How to choose a car insurance provider in Indiana

If you're new to an area or need a new car insurance provider, consider the following while researching:

Get multiple quotes: Request quotes from at least three companies and ensure the coverages and limits match your current insurance. You can get quotes online or over the phone, or consider using an insurance broker to help you gather quotes from multiple companies.
Verify a company's financial health: Use a website like AM Best to confirm an insurance company can financially pay claims. Visit the Indiana Department of Insurance or the National Association of Insurance Commissioners (NAIC) websites to verify a company is licensed to do business in Indiana.
Research customer complaints: Read online reviews about customer complaints and how a company solves problems on a website like the Better Business Bureau. Ask friends and family members for recommendations and their experiences finding insurance in Indiana.

How much does car insurance cost in Indiana?

The average cost of car insurance in Indiana is $138 per month for full coverage insurance and $72 for the state's minimum coverage. The average monthly cost of car insurance in the U.S. is $194, so Indiana drivers generally pay less than the rest of the country.

Indianapolis drivers generally pay the most for car insurance, an average of $166 per month.

Indiana car insurance rates by city

If you live in a densely populated city, you may pay more for car insurance. Since more people generally mean a higher rate of accidents or theft, highly populated areas are more likely to see higher insurance rates.

Indianapolis residents pay the most for car insurance in Indiana, and according to the analytics website NeighborhoodScout, they have a one-in-30 chance of being victims of property crimes like car theft and vandalism. In contrast, residents of Fort Wayne pay an average of $141 monthly for car insurance, and have a one-in-42 chance of experiencing property crimes.

City	Avg. monthly full-coverage premium
Indianapolis	$166/month
South Bend	$132/month
Fort Wayne	$141/month

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in Indiana

What are the minimum car insurance coverage requirements in Indiana?

Indiana's minimum car insurance requirements are $25,000 in bodily injury liability for one person and $50,000 for two or more people in an accident. Drivers must also have $25,000 in property damage liability and uninsured motorist coverage that match the liability minimums.

How much does car insurance cost in Indiana?

Car insurance in Indiana costs an average of $138 per month for full coverage and $72 monthly for minimum coverage.

Which car insurance companies cover Indiana?

Many nationally recognized insurance companies cover Indiana, including Allstate, State Farm, USAA, GEICO, Progressive, and more.

What is the cheapest car insurance company in Indiana?

The cheapest car insurance company in Indiana is USAA, which costs a monthly average of $65 for full coverage and $39 for minimum coverage.

Data throughout provided by Insurify.

Save On Your Auto Insurance

You could save up to $600 with some companies.
Compare dozens of providers in under 5 minutes.
Fast, free, and easy way to shop for insurance.
Quickly find the perfect rate for you.

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Author Details

Kate Daugherty

Kate Daugherty is a writer for FinanceBuzz with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.