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Among Indiana's most budget-friendly insurance options, Auto-Owners, State Farm, and USAA consistently deliver competitive rates for Hoosier drivers.
Monthly premiums for full coverage car insurance average $132 in Indiana, which sits below the national benchmark of $186. Many factors besides your state influence your final rates, such as your age, driving history, and exactly where you live. Per usual, getting quotes from at least a few insurance companies is the smartest approach to tracking down better prices.
Our comprehensive analysis examines Indiana's most affordable car insurance choices, organized by coverage levels, driver profiles, and insurance carriers.
Affordable full-coverage car insurance in Indiana
Monthly full coverage car insurance premiums in Indiana average $132, positioning the state favorably against the $186 national average. Auto-Owners, State Farm, and USAA are among the cheapest car insurance providers available to Indiana residents.
| Average monthly full coverage cost | |
| Indiana average | $132 |
| National average | $186 |
| Auto-Owners | $75 |
| State Farm | $79 |
| USAA | $84 |
| GEICO | $88 |
Affordable liability-only car insurance in Indiana
When examining the cheapest liability-only car insurance providers, Indiana drivers can find excellent value through Auto-Owners, State Farm, and USAA.
Monthly liability coverage in Indiana costs $71 on average, offering the potential for substantial savings compared to the $104 national average.
| Average monthly liability-only cost | |
| Indiana average | $71 |
| National average | $104 |
| Auto-Owners | $46 |
| State Farm | $48 |
| USAA | $51 |
| Progressive | $56 |
Cheap car insurance in Indiana by age
Driver age leads to different insurance rates across all coverage types. Young drivers seeking car insurance for teens, for example, face the steepest costs, with Indiana policies averaging $280 per month. These drivers have less experience behind the wheel, so they present more risk to insurers.
Twenty-something drivers enjoy reduced rates, typically paying around $179 monthly. Further reductions benefit drivers in their thirties and forties, with premiums averaging $141 and $131 monthly.
Senior drivers may experience premium increases starting around age 60. Indiana drivers in their sixties pay approximately $113 each month, while those in their seventies average $120.
These age-based pricing differences stem from actuarial risk calculations, where inexperienced drivers present a higher claims probability and senior drivers may face increased rates due to health-related driving concerns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $280 | $150 |
| 20s | $179 | $96 |
| 30s | $141 | $76 |
| 40s | $131 | $70 |
| 50s | $125 | $67 |
| 60s | $113 | $61 |
| 70s | $120 | $64 |
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Cheap car insurance in Indiana for high-risk drivers
Driving infractions and a history of collisions typically result in significantly increased insurance costs. Our analysis reveals Indiana's average rates for motorists with accidents, traffic violations, or impaired driving charges in their histories, based on data on car insurance for those with a poor driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $173 | $93 |
| Speeding ticket | $169 | $91 |
| DUI | $175 | $94 |
Compare low-cost car insurance after an accident
Following collision incidents, Indiana drivers can secure more than reasonable rates through Auto-Owners, State Farm, and USAA. Monthly full coverage for drivers with accident records averages $173.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $95 | $58 |
| State Farm | $101 | $61 |
| USAA | $109 | $66 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Auto-Owners, State Farm, and USAA continually provide competitive options for Indiana drivers with speeding infractions. Comprehensive coverage averages $169 per month for those with traffic violations.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $95 | $58 |
| State Farm | $99 | $60 |
| USAA | $106 | $64 |
Compare low-cost car insurance after DUI conviction
Indiana motorists with impaired driving convictions may be able to obtain lower rates on coverage through Auto-Owners, State Farm, and USAA. Full-coverage policies for drivers with DUI records cost approximately $175 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $105 | $64 |
| State Farm | $111 | $67 |
| USAA | $118 | $72 |
Cheap car insurance in Indiana by credit score
Financial creditworthiness has a substantial impact on insurance pricing throughout Indiana, as in many states that permit the use of credit scores in rate setting. Drivers with excellent credit profiles enjoy monthly rates around $120. On the flip side, drivers with compromised credit histories are likely to find themselves up against higher costs, with average premiums climbing to $162 per month.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $120 | $64 |
| Good | $129 | $69 |
| Average | $135 | $73 |
| Poor | $162 | $87 |
This pricing differential reflects insurers' correlation between credit management and claim likelihood, where poor financial history often translates to higher premium assessments.
FAQs
What are Indiana's minimum car insurance requirements?
Indiana requires drivers to carry 25/50/25 liability coverage, meaning $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. This is pretty standard minimum coverage in the U.S. But the state also mandates uninsured motorist coverage with the same 25/50 limits, unless you sign a written waiver, and this is much less common.
What should I know about the Indiana Automobile Insurance Plan?
If you're denied coverage by standard insurers due to poor credit, multiple violations, or high-risk status for another reason, you can seek coverage through the Indiana Automobile Insurance Plan (INAIP). This state-administered program ensures all drivers can access basic liability coverage, though premiums are typically higher than the voluntary market. INAIP serves as Indiana's insurance of last resort for high-risk drivers.
What happens if I'm hit by an uninsured driver in Indiana?
Uninsured motorist coverage is required of all drivers in Indiana who do not waive it. Your uninsured motorist coverage would pay for damages up to your policy limits when an at-fault driver who has no insurance hits you, and it extends to your own eligible medical bills and damage to your vehicle.
How do weather patterns affect car insurance costs in Indiana?
Indiana's position in Tornado Alley means frequent severe weather, including thunderstorms, hailstorms, and tornadoes. If you want to protect yourself financially and purchase coverage for severe weather insurance claims, consider comprehensive car insurance. Weather-related damage is not covered by liability coverage, but a full-coverage policy that includes comprehensive coverage would extend to non-collision damages like this.
Bottom line
Despite these companies representing Indiana's cheapest car insurance options, your individual circumstances may yield different results. Secure quotes from multiple providers and compare both cost and service quality to find your ideal coverage.
Data throughout provided by Insurify.
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