Best Car Insurance in Indiana

Last Updated on January 2, 2026

Car insurance in Indiana is often cheaper than in many other states, but premiums have still climbed in recent years. Most drivers can expect full coverage to land somewhere in the $1,700–$1,900 per year range on average (with minimum coverage often closer to $450–$550 per year), depending on your ZIP code, vehicle, and driving profile.

If your premium feels high, you’re not alone. Your driving history and your ZIP code are two of the biggest factors that can swing your rate in Indiana—so comparing quotes is usually the fastest way to find a better deal.

And before you shop, it helps to understand what insurers mean by full coverage car insurance (because it’s not a single “official” policy type). In most cases, it means you’ve added comprehensive and collision coverage to a liability policy, typically with higher limits than the state minimum.

Key Takeaways

1. Indiana Is Often Below the National Average: Many drivers in Indiana pay less than the typical U.S. full-coverage premium, but rates still vary widely by ZIP code, vehicle, and driver history.
2. Minimum Coverage Is 25/50/25: Indiana’s liability minimums are $25,000/$50,000/$25,000, but many drivers choose higher limits for stronger financial protection.
3. No-Insurance Issues Can Trigger Suspensions and SR-22 Requirements: If the state can’t verify coverage for the date of an incident, you may face reinstatement fees and an SR-22 filing requirement.
4. Shopping Around Is the Biggest Money-Saver: Comparing quotes, adjusting deductibles, bundling policies, and stacking discounts are usually the fastest ways to lower your premium.

Average Cost of Car Insurance in Indiana

Indiana drivers typically pay less than the national average, but the exact number depends on how “average” is calculated (driver age, limits, deductibles, credit-based insurance score, and more). As a starting benchmark:

• Full coverage: Often around $1,700–$1,900 per year (roughly $140–$155 per month)
• Minimum coverage: Often around $450–$550 per year (roughly $35–$45 per month)
• National average: Commonly falls in the $2,500+ per year range for full coverage

Even if Indiana is “cheap” overall, you might still pay more than you expect if you’re a newer driver, you’ve had recent tickets/accidents, you drive a higher-theft vehicle, you commute long distances, or you carry low deductibles. The good news: many of these factors are “shop-able,” meaning different insurers price them very differently.

Top Car Insurance Companies in Indiana

No single insurer is the best for everyone. The “best” company for you depends on your driving record, vehicle, location, and the coverage you want. That said, these are strong companies to compare in Indiana because they tend to be competitive on price, coverage options, and/or customer experience.

1. USAA

Best for: Military members, veterans, and eligible family members. USAA is frequently one of the best-value options when you qualify, especially for strong coverage at a competitive price.

2. GEICO

Best for: Drivers who want a streamlined online experience and consistently competitive pricing. GEICO is often strong for “plain vanilla” drivers with clean or mildly imperfect records.

3. State Farm

Best for: Drivers who prefer working with a local agent, bundling multiple policies, or getting guidance on coverage. Pricing can be excellent in some ZIP codes and average in others—so it’s worth quoting.

4. Progressive

Best for: Drivers who like online tools, flexible policy options, and who may need a more “forgiving” price after an incident. Progressive also offers features like telematics programs that can help safe drivers earn discounts.

5. Erie

Best for: Drivers who value service and claims handling (especially through independent agents). If you’re comparing regional insurers, Erie is a smart quote to include.

6. Indiana Farm Bureau

Best for: Drivers who want a more local, Indiana-focused insurer—especially in smaller towns and rural areas. Indiana Farm Bureau is a common “must-quote” in-state option, though membership may be required.

7. Auto-Owners Insurance

Best for: Drivers who prefer working with independent agents and want solid coverage options. Auto-Owners Insurance can be particularly competitive for drivers with strong insurance history.

8. American Family

Best for: Drivers who want a major insurer that can still be competitive in certain ZIP codes—especially when bundling. If you’re researching before you quote, see our American Family Insurance overview.

9. Shelter

Best for: Drivers who prioritize customer service and prefer a more regional approach. If you’re considering Shelter, here’s a deeper look at Shelter auto insurance.

10. Travelers

Best for: Drivers who want strong coverage add-ons and bundling opportunities. Travelers can be especially worth quoting if you’re comparing coverage features—not just the cheapest price.

Indiana Car Insurance Requirements

Indiana requires drivers to carry liability insurance to legally drive. The state minimum limits are often written as 25/50/25:

• $25,000 per person for bodily injury liability
• $50,000 per accident for bodily injury liability
• $25,000 per accident for property damage liability

Indiana also has a unique twist: uninsured and underinsured motorist coverage is commonly included on new policies unless you reject it in writing. This can matter a lot if you’re hit by a driver with no coverage or not enough coverage.

If you keep it, uninsured motorist coverage may include uninsured motorist bodily injury coverage (UMBI) and related protections, depending on how your policy is written.

Important: The state minimum is just that—the minimum. Medical bills and vehicle repairs can easily exceed these limits. Many drivers choose higher liability limits (like 50/100/50 or 100/300/100) for better protection.

Driving Without Insurance in Indiana

Driving without insurance in Indiana can trigger serious consequences—especially because Indiana actively verifies financial responsibility after certain events (like an accident or certain violations). If you can’t show valid coverage for the date in question, you could face a suspension, reinstatement fees, and an SR-22 requirement.

If you’re pulled over and you don’t have proof available, it can also lead to complications—including what may happen after a no-proof-of-insurance situation.

One of the biggest “gotchas” in Indiana is that your insurer typically needs to submit proof electronically to the BMV. In many cases, you’ll be asked to have your insurer submit a Certificate of Compliance (COC) showing you were insured on the date of the incident. If you cannot provide proof for that date, you may need to file an SR-22 and keep it active to regain driving privileges.

Practical steps if you get a BMV notice:

1. Call your insurer immediately and ask them to submit the required proof to the Indiana BMV (not just email you an ID card).
2. Check the dates carefully. Indiana usually needs proof for the specific vehicle and incident date.
3. If you didn’t have coverage on that date, ask your insurer about an SR-22 filing and what you need to do to reinstate your license.

Reinstatement fees for no-insurance suspensions are often tiered based on prior history and can increase significantly after repeat suspensions. Requirements can also differ depending on whether your case is BMV-administered or court-ordered, so it’s smart to review your driver record and any notices closely.

Best Car Insurance in Indiana by Driver Type

Below are common driver profiles that can raise rates in Indiana, along with strategies that tend to work when you’re shopping for a better premium.

Car Insurance in Indiana After a DUI

A DUI typically causes a major premium increase, and some companies may treat you as a high-risk driver for years. Start by understanding how much insurance can go up after a DUI, then compare multiple quotes—especially from insurers known for pricing high-risk drivers more competitively.

Tip: If you’re required to file an SR-22, confirm the insurer can file it electronically in Indiana and ask about any filing fees.

Car Insurance in Indiana With an At-Fault Accident

An at-fault accident can raise your rate for several years, but different companies surcharge accidents differently. If you’ve otherwise been claim-free, look for insurers that offer (or sell) accident forgiveness or similar protections—especially if you’re switching companies anyway.

Car Insurance in Indiana With Speeding Tickets

One minor ticket doesn’t always cause a huge increase, but pricing varies by insurer. If you’re worried about the impact of a single speeding ticket, shop around and ask about safe-driver programs or telematics options that could offset the increase over time.

Car Insurance in Indiana for Young Drivers

Young drivers are expensive to insure everywhere—including Indiana. Premiums often start dropping once you build a longer history (and rates often improve around age 25), but there are still ways to save now.

To reduce costs, compare quotes and look for good-student discounts, driver-training savings, and usage-based programs. You can also review our guide to cheap car insurance for young drivers to see which strategies tend to move the needle the most.

Car Insurance in Indiana With Poor Credit

Indiana insurers commonly use credit-based insurance scoring, which means credit can affect your car insurance rates. If your credit is hurting your premium, don’t assume you’re stuck—some companies weigh credit more heavily than others.

Tip: If you’ve recently improved your credit, ask your insurer to re-run your insurance score at renewal (or re-shop your policy). A better score can sometimes unlock better pricing faster than you’d expect.

SR-22 and SR-50 in Indiana

An SR-22 is a certificate of financial responsibility filed by your insurer to show the state you carry valid coverage. If the BMV or a court requires it, you typically must keep it active for a set period with no lapses. Here’s a deeper explainer on how long an SR-22 lasts and what can restart the clock.

You may also see the term “SR-50” referenced in older Indiana paperwork. In simple terms, an SR-50 in Indiana is tied to proving current insurance coverage in specific (usually older) scenarios. If you’re dealing with a suspension or reinstatement today, the exact form you need depends on your BMV notice and your driver record—so confirm requirements before you pay fees or buy a policy.

How to Save on Car Insurance in Indiana

Once you’ve confirmed you’re getting comparable coverage, these tactics are the most reliable ways to lower your premium in Indiana:

• Compare at least 3–5 quotes every renewal (pricing can change quickly).
• Raise deductibles if you have an emergency fund that can cover them.
• Bundle policies (auto + home/renters) if the bundled discount outweighs any price increase elsewhere.
• Ask for every discount you qualify for (safe driver, multi-car, good student, defensive driving, paperless, pay-in-full). Here’s a discount rundown from one major carrier: Farmers auto insurance discounts.
• Review coverage annually—especially if your car is older or your commute/mileage has changed.

FAQs on Car Insurance in Indiana

Conclusion: How to Find the Best Auto Insurance in Indiana

Indiana is typically a below-average-cost state for car insurance, but your personal rate can still be high depending on your record, credit-based insurance score, and location. The best way to find a better deal is to compare quotes with the same coverage limits, choose an insurer that prices your driver profile fairly, and then stack every discount you qualify for.