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Best car insurance in Indiana in 2023

Geico, USAA, State Farm, Auto-Owners, and Progressive offer some of the best auto policies in Indiana.

Updated Sep 28, 2023
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Best car insurance companies in Indiana

Drivers in Indiana pay an average of $1,295 for full coverage and $327 for minimum coverage auto insurance annually. Of the insurers in the state, Geico, USAA, State Farm, Auto-Owners and Progressive offer some of the best auto policies.

To determine our picks, we reviewed a range of key metrics, including third-party customer satisfaction ratings from J.D. Power’s 2023 U.S. Auto Insurance Satisfaction Study, financial strength ratings from AM Best, coverage options and available discounts for the largest auto insurance companies by market share in the Hoosier State.

We also reviewed average quoted premiums obtained from Quadrant Information Services. These factors were then converted into a Bankrate Score on a 5.0 scale. The higher the Bankrate Score, the higher a company ranked in each scoring category.

Based on our research, the five best insurance companies in Indiana are:

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
Average full coverage rate*
$946
Average min coverage rate*
$228
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
Average full coverage rate*
$1,020
Average min coverage rate*
$263
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
Average full coverage rate*
$1,031
Average min coverage rate*
$276
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
Average full coverage rate*
$1,090
Average min coverage rate*
$253
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
Average full coverage rate*
$1,325
Average min coverage rate*
$306
*Displayed rates are average annual premiums
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best for multiple discount opportunities

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 847/1,000 AM Best: A++

Average annual premium

$ 946 for full coverage
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Why Geico made our list: Geico is well-known in the insurance industry for having some of the lowest rates available. Geico’s average annual full and minimum coverage premiums are well below the state average for Indiana. The company also offers a wide array of discounts to help customers lower their premiums even more. However, Geico does not offer as many optional coverage types as some other carriers, and its policies are relatively basic.

Who Geico may be good for: Geico might be a good choice if you are on a budget, value both low rates and discount opportunities, and aren’t looking for a policy that is too complex or personalized. Geico’s average premiums tend to be below state and national averages, and the company has one of the longest lists of discounts in the industry.

Read full Geico review

Best for military-focused coverage

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 891/1,000 AM Best: A++

Average annual premium

$ 1,020 for full coverage
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Why USAA made our list: USAA offers its customers low average rates, plenty of coverage options, several discounts and excellent customer satisfaction. However, the company is not eligible for official ranking with J.D. Power due to its eligibility restrictions; the company is only available to military members and veterans, as well as certain qualifying family members. Not all drivers will qualify for coverage.

Who USAA may be good for: If you qualify for its coverage, USAA could be a good option if you are looking for low rates, as well as military-focused coverage options and discounts. Members of the military community may benefit from discounts for garaging their vehicles on a base, for example, or for being deployed.

Read full USAA review

Best for local agencies

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 848/1,000 AM Best: A++

Average annual premium

$ 1,031 for full coverage
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Why State Farm made our list: State Farm is the largest U.S. auto insurer by market share. However, the company does not write policies for drivers with a DUI on their record, so high-risk drivers in Indiana will have to consider other options.

Who State Farm may be good for: State Farm may appeal to you if you prefer to do business with an in-person agent rather than handling your insurance needs online, as the company sells its products through local agents. It could also be a good choice for bundling multiple insurance and banking products with one company.

Read full State Farm review

Best for personalized coverage

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 834/1,000 AM Best: A++

Average annual premium

$ 1,090 for full coverage
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Why Auto-Owners made our list: Auto-Owners is a regional carrier selling coverage in 26 states, including Indiana. Auto-Owners offers several coverage options to choose from, including gap insurance, diminished value coverage and new car replacement. However, Auto-Owners does not provide quotes online at this time. You will need to work with a local agent to get a quote and sign up for insurance.

Who Auto-Owners may be good for: If you’re looking for a policy that you can tailor to your unique needs, Auto-Owners might be a good fit. The company offers numerous optional coverage types and discounts to help you create a policy that fits your circumstances.

Read full Auto-Owners review

Best for digital policy management

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 827/1,000 AM Best: A+

Average annual premium

$ 1,325 for full coverage
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Why Progressive made our list: Progressive has one of the strongest digital platforms in the industry, with the ability to get quotes, buy policies and manage accounts entirely online or through its mobile app. However, Progressive does have a higher average premium than the other companies on our list, although the company does offer numerous discounts, which could help you lower your premium.

Who Progressive may be good for: Progressive could be a good option if you value digital tools. The carrier’s Name Your Price tool lets you shop by inputting your preferred auto insurance rates. It then shows you a range of coverage options that fit your budget.

Read full Progressive review

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How Bankrate chose the best car insurance companies in Indiana

Indiana drivers can choose from dozens of companies for their car insurance needs, but Bankrate knows that the best insurance company in Indiana is different for each consumer. Our goal in reviewing the Indiana car insurance market is to help you find the best insurance for you.

We started by reviewing average car insurance rates from Quadrant Information Services for the largest auto insurers in Indiana by market share. Next, we analyzed third-party customer satisfaction reviews from J.D. Power and the National Association of Insurance Commissioners (NAIC) as well as financial strength ratings from AM Best. We finished by doing a thorough review of each company's coverage offerings, discounts, digital tools and other perks.

We combined these metrics into a single Bankrate Score on a scale of 0.0 to 5.0. A higher overall score means that a company ranked more highly in the underlying categories. Using our Bankrate Score metric can help you easily see how companies compare to each other using a single data point, making the shopping process easier and more seamless for you.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How to find the best car insurance in Indiana

Auto insurance is a necessity if you own a car. Driving without insurance is illegal and doing puts you at significant personal and financial risk. Buying a policy can help you avoid financial catastrophe should you cause an accident or injure yourself while behind the wheel. Before buying a policy, consider the type of coverage you need and compare multiple carriers to find the one that offers the right policy for your needs.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much is car insurance in Indiana?

Indiana is one of the more affordable states in the nation for car insurance, perhaps due to its low population density and competitive insurance market. The average cost of car insurance in Indiana is $327 per year for minimum coverage and $1,295 per year for full coverage. These average costs are cheaper than the national average cost of car insurance, which is $622 annually for minimum coverage and $2,014 annually for full coverage.

Average rates in Indiana are also significantly cheaper than those in Michigan, the state’s neighbor to the north, where minimum coverage costs an average of $1,104 per year and full coverage costs an average of $2,691 per year. To the south, Kentucky drivers also pay more than drivers in Indiana, with average rates of $678 per year for minimum coverage and $2,124 per year for full coverage. Indiana’s low cost of insurance may be linked to its decreasing number of licensed drivers. Between 2011 and 2021, the number of licensed drivers in the Hoosier State dropped from over 6.5 million to just under 4.6 million. Fewer drivers on the road may mean fewer accidents.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

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Written by
TJ Porter
Contributor, Personal Finance

TJ Porter is a contributing writer for Bankrate with eight years of experience writing about finance.  TJ writes about a range of subjects, from budgeting tips to bank account reviews.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute