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The Best Cheap Indiana Car Insurance for 2022

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It's illegal to get behind the wheel in Indiana without auto insurance. Fortunately, it's pretty reasonably priced, especially for drivers who focus their search on the best car insurance in Indiana. Here's a look at which providers offer the most affordable rates based on several common driver profiles.

  • Best for typical drivers: Geico
  • Best for drivers with prior accidents: Geico
  • Best for drivers with prior speeding tickets: Geico
  • Best for young drivers: Allstate
  • Best for senior drivers: Geico
  • Best for drivers looking for minimum coverage: Geico
  • Best for drivers with poor credit: Geico

Best for typical drivers

A 35-year-old female driver with a clean record pays about $1,501 annually for Indiana auto insurance, while a 35-year-old male with a clean record pays just slightly more at $1,534 per year. But drivers who go with Geico can get their annual premiums down to about $763 and $759, respectively.

Geico

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Best for Indiana drivers with a clean driving recordGeico
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Drivers can also find cheap car insurance quotes in Indiana with the following companies:

  • Auto-Owners Insurance, where male and female drivers pay about $1,267 per year on average
  • Progressive, where female drivers with clean record have average annual premiums of about $1,339 while male drivers pay about $1,315 per year

Best for drivers with prior accidents

A single accident will raise the average Indiana auto insurance premium to $2,140 per year, but once again, Geico offers a much lower rate. Drivers with one accident on their records pay about $1,464 annually.

These insurers also offer low-cost car insurance to drivers with an accident history:

  • American Family, where drivers with one accident pay about $1,608 annually
  • Auto-Owners Insurance, which charges these drivers about $1,623 per year

Best for drivers with prior speeding tickets

Speeding tickets drive Indiana auto insurance premiums up to about $2,019 per year. But drivers who go with Geico pay close to half this amount -- about $1,108 annually.

The following companies also offer affordable car insurance in Indiana to drivers with one speeding ticket:

  • State Farm, where drivers with a single speeding ticket pay about $1,464 annually
  • Erie Insurance, which charges these drivers about $1,727 per year

Best for young drivers

Teen drivers pay about $3,664 for Indiana auto insurance. This is based on the profile of an 18-year-old male driver with a clean record. Allstate offered the most affordable rate to this group with average annual premiums of about $2,347.

Allstate

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Best for new drivers in IndianaAllstate
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These companies also make the list of the best car insurance companies in Indiana for teen drivers:

  • Geico, where 18-year-old drivers with clean records pay about $2,420 per year
  • Progressive, where teen drivers pay about $2,935 per year

Best for senior drivers

Senior drivers typically score cheap auto insurance in Indiana, with average premiums of about $1,378 per year. But seniors who choose Geico only pay about $654 annually for their coverage.

Older drivers can also score great Indiana auto insurance rates with these companies:

  • Auto-Owners Insurance, which charges the average 65-year-old driver $1,180 per year
  • Progressive, where these drivers pay about $1,215 per year

Best for drivers looking for minimum coverage

Cheap liability car insurance in Indiana costs about $478 per year on average. However, Geico offers drivers that same coverage for about $288 annually.

Drivers can also find great deals on Indiana minimum car insurance with these insurers:

  • Auto-Owners Insurance, where minimum coverage costs about $312 per year on average
  • Indiana Farm Bureau Insurance, where state minimum coverage carries a $418 average annual premium

Best for drivers with poor credit

Drivers with poor credit pay about $2,324 per year for Indiana auto insurance. But Geico once again stands out as the most affordable, offering this group coverage for about $1,375 per year on average

These companies also offer some of the best car insurance in Indiana for drivers with poor credit:

  • Trustgard Insurance, which charges about $1,842 per year on average
  • Progressive, where these drivers pay about $2,006 annually

Average car insurance cost in Indiana compared to the national average

How much is car insurance in Indiana? The average annual premium is $1,778, which is almost 40% below the national average of $2,646 per year. But every driver's situation is different, so your premiums could be higher or lower than these averages.

Average Rate Category Indiana National Average
Overall $1,778 $2,646
Young drivers $3,664 $5,988
1 accident on driving record $2,140 $3,092
1 speeding ticket on driving record $2,019 $2,766
What drivers in Indiana can expect to pay for car insurance compared to the national average

Indiana auto insurance laws

Drivers should familiarize themselves with these Indiana car insurance laws:

Indiana is an at-fault auto insurance state

In at-fault auto insurance states like Indiana, the driver who is found to be at fault in the accident is responsible for paying the medical bills for all parties involved in the accident. These expenses can quickly exceed state minimum coverage.

Consequences of driving without insurance in Indiana

Driving without Indiana auto insurance brings the following consequences:

  • Driving privileges suspended for anywhere from 90 days to one year
  • Reinstatement fees ranging between $250 and $1,000

Indiana minimum coverage requirements

All drivers must carry at least the following Indiana auto insurance:

Bodily injury liability coverage

Drivers must have at least:

  • $25,000 in bodily injury liability coverage per person
  • $50,000 in bodily injury liability coverage per accident

Property damage liability coverage

In addition, drivers must have at least $25,000 in property damage liability coverage to pay for items they damage in an accident.

How to get cheap auto insurance in Indiana

Drivers hoping to score the cheapest car insurance in Indiana should try the following:

  • Get quotes from several companies: Each insurer weighs the components of a driver's application a little differently, which is why every company offers different car insurance quotes. Comparing several side by side is the only way to know for sure which company can offer you the best rate.
  • Claim all discounts you're eligible for: Every company has its own slate of discounts on car insurance. They apply some to qualifying drivers' premiums automatically, but some may require you to opt in. For example, companies who have driver monitoring programs typically offer discounts to drivers willing to enroll.
  • Choose a higher deductible: Raising the auto insurance deductible typically lowers premiums. However, drivers who do this have to be prepared for higher out-of-pocket costs following an accident.

Other things to consider when looking for car insurance in Indiana

Here are some other things to bear in mind when shopping for Indiana auto insurance:

Nearly 16% of Indiana drivers are uninsured

Despite the laws against it, nearly 16% of Indiana drivers don't have insurance, according to the Insurance Information Institute. Drivers who are hit by someone without insurance will have to pay for their medical bills and vehicle repairs on their own unless they add uninsured motorist coverage. This protects the policyholder if they're hit by a driver without insurance. There's also underinsured motorist insurance, which kicks in if the driver who caused the accident doesn't have enough insurance to pay for all the damages.

State minimum coverage won't protect your vehicle

Drivers who want help paying for their own vehicle repairs following an accident must add collision and comprehensive coverage to their policy. Collision coverage helps pay for the policyholder's vehicle repairs following an accident with another car, while comprehensive coverage pays for animal-vehicle collisions, weather-related damages, theft, vandalism, and more.

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