What is the best car insurance in Indiana?

The best car insurance for you depends on your unique insurance needs and personal factors. To help you find the best coverage in Indiana, you might start by determining what you’re looking for from an insurance company. For instance, if you have infractions on your driving record, you might look for an insurer that accepts high-risk drivers. If you’re on a tight budget, the best company for you might be the one offering you the lowest premium. If you have several vehicles to insure, you might search for a company that gives you a generous multi-car discount. Once you know what you’re looking for from an insurance provider, you can request quotes to find the best company for you.

What is the cheapest car insurance company in Indiana?

The cheapest car insurance in Indiana will vary from driver to driver. Your premium will depend on your individual rating factors, including your age, driving history and the coverage types and levels you choose, which means the cheapest car insurance company for you may not be the cheapest for someone else. Price is also only one factor to consider when buying insurance. You might get a low premium, but if the insurer isn’t financially stable, you could find yourself struggling to collect if you have to file a claim. Experts recommend shopping around to compare coverage options, customer satisfaction standings and quoted rates from several companies.

What happens if I drive without insurance in Indiana?

Car insurance is required in Indiana, so driving without insurance is illegal. Failure to purchase adequate insurance could result in large fines and suspension of your license. Even if you aren’t caught, you’ll be putting yourself at significant financial risk. If you were to cause an accident, you’d be fully responsible not only for the cost to fix your car, but also the cost to repair the other driver’s vehicle out of pocket, as well as potentially their medical bills for injuries you caused.

Why is my Indiana car insurance so expensive?

Average Indiana rates are well below national average, and the state is not considered one of the more expensive states for car insurance. Your own rate, however, may be higher than the averages based on a handful of factors that you may or may not be able to control. Your age, credit rating and driving history all play a part in determining your rate, as does your car's age, make and model. Your ZIP code is another qualifier. In general, rates in urban areas tend to be higher to account for the increased risk of accidents on crowded streets and highways. So if you live in Indianapolis, Fort Wayne or one of the state's other large cities, you may pay a higher rate for coverage. Keeping a clean driving record is another factor, which you can control by maintaining safe and careful driving habits.

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Best car insurance in Indiana for 2025

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Updated Apr 15, 2025

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

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Best car insurance companies in Indiana

Drivers pay an average of $1,749 per year for full coverage and $445 per year for minimum coverage auto insurance in IN. Of the insurers in the state, Geico, USAA, State Farm, Auto-Owners and Progressive offer some of the best auto insurance in Indiana.

To determine our picks for the best car insurance companies in Indiana, we reviewed a range of key metrics. These included third-party customer satisfaction ratings from J.D. Power’s 2024 U.S. Auto Insurance Study, financial strength ratings from AM Best, coverage options and available discounts for the largest car 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 better the company fared. Based on our research, the five best insurance companies in Indiana are as follows.


Progressive	4.4 Rating: 4.4 stars out of 5	$1,414	$394
Geico	4.3 Rating: 4.3 stars out of 5	$1,417	$329
State Farm	4.3 Rating: 4.3 stars out of 5	$2,212	$612
Auto-Owners	4.3 Rating: 4.3 stars out of 5	$1,638	$387
USAA	4.3 Rating: 4.3 stars out of 5	$1,157	$313

Why USAA made our list: USAA offers its customers low average rates, plenty of coverage options, several discounts and excellent customer satisfaction per J.D. Power’s U.S. Auto Insurance Study. It also tied for the Best Auto Insurance Company Overall in the 2025 Bankrate Awards. However, the company is not eligible for official ranking with J.D. Power due to its membership restrictions. USAA is only available to active military and veterans, as well as qualifying family members.
Pros
Highest J.D. Power customer satisfaction score on our list

Low average rates

Coverage is tailored to military needs
Cons
Not available to the general public

Fewer specialty coverage options than some competitors

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.

Why you can trust Bankrate

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The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

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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 so puts you at significant personal and financial risk. Buying a policy can help you avoid financial catastrophe should you cause an accident or get injured 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 coverage for your needs.

Indiana car insurance laws require that drivers purchase at least minimum levels of auto insurance coverage. If you live in Indiana, you must purchase at least the state’s minimum limits of bodily injury liability and property damage liability to drive legally. Auto insurance companies must also offer you uninsured motorist coverage and underinsured motorist coverage, although you can decline these in writing.

You cannot purchase less coverage than your state’s minimum requirement, so there’s no need to memorize the legal requirements. However, understanding the minimum coverage limits could help you identify if you need higher limits or optional endorsements.
If you have a loan or lease on your vehicle, your insurance needs may be different than a driver who owns their vehicle outright. Because you share ownership of your vehicle with a financial institution, you will likely be required to carry both comprehensive and collision coverage, often called “full coverage.” Both comprehensive coverage and collision coverage give you financial protection for damage to your vehicle. You may also want to consider gap insurance, which is designed to pay the difference between the cash value of your vehicle and the balance of your loan if your vehicle is stolen or totaled.
Life happens, and when it does, your car insurance might change. If your teen driver gets their license, for example, you will likely be facing increased premiums. Or perhaps you rear-end another driver, get a speeding ticket or are convicted of a DUI.

These incidents could flag you as a high-risk driver and increase your rates. Understanding your own specific scenario could help you find a company that sells coverage geared toward your situation. Households with teen drivers could look for companies with student discounts, for example.

New

What’s new in Indiana?

In 2023, Indiana passed a law that requires delivery service companies like Uber and GrubHub to expand insurance coverage to drivers who are available for work, but are not actively completing a ride or order. Previously, companies did not have to cover drivers during this period, leaving them vulnerable to liability claims if they were to be involved in an accident while waiting for a fare. The state previously required this coverage for rideshare drivers, but will now expand it to delivery drivers, as well. The law also sets minimum coverage amounts for insurance provided to gig workers at $50,000 per incident of property damage while waiting for a fare and $1,000,000 while making a delivery. The law went into effect in July 2024.

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 $445 per year for minimum coverage and $1,749 per year for full coverage. These average costs are cheaper than the national average cost of car insurance, which is $800 annually for minimum coverage and $2,685 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 $891 per year and full coverage costs an average of $3,126 per year. To the south, Kentucky drivers also pay more than drivers in Indiana, with average rates of $767 per year for minimum coverage and $2,818 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, and remains at that number as of 2022. Fewer drivers on the road may mean fewer accidents.

City	Avg. annual full coverage premium	Avg. savings vs. state average
Sterling	$3,439	+7%
Arriba	$3,646	+13%
Fountain	$3,501	+9%
Stratton	$3,665	+13%
Wild Horse	$3,604	+12%
Merino	$3,467	+8%
Cope	$3,684	+14%
Kirk	$3,683	+14%
Lake George	$3,302	+3%
Matheson	$3,708	+15%
Peyton	$3,447	+7%
Simla	$3,613	+12%
Victor	$3,332	+4%
Colorado Springs	$3,516	+9%
Guffey	$3,204	-0%
Kit Carson	$3,596	+11%
Limon	$3,712	+15%
U S A F Academy	$3,400	+6%
Pueblo	$3,513	+9%
Colorado City	$3,457	+8%
Hartman	$3,617	+12%
Ordway	$3,524	+9%
Rye	$3,477	+8%
Eckley	$3,660	+13%
Fleming	$3,466	+8%
New Raymer	$3,214	+0%
Burlington	$3,608	+12%
Aurora	$3,597	+11%
Steamboat Springs	$2,976	-7%
Walden	$2,930	-9%
Winter Park	$2,988	-7%
Estes Park	$2,863	-11%
Fort Collins	$2,818	-13%
Laporte	$2,774	-14%
Masonville	$2,734	-16%
Windsor	$2,980	-7%
Eastlake	$3,195	-0%
Greeley	$2,985	-7%
Silverthorne	$2,906	-10%
Erie	$2,976	-7%
Fort Lupton	$3,168	-1%
Kersey	$3,108	-3%
Crook	$3,487	+8%
Pinecliffe	$3,045	-5%
Niwot	$2,769	-15%
Brighton	$3,192	-0%
Longmont	$2,907	-10%
Gilcrest	$3,034	-6%
Nunn	$3,099	-3%
Roggen	$3,243	+1%
Palisade	$2,428	-28%
Dinosaur	$2,908	-10%
Hamilton	$2,969	-8%
Hayden	$2,981	-7%
New Castle	$2,671	-18%
Vail	$2,861	-11%
Arlington	$3,596	+11%
Fort Lyon	$4,043	+23%
Chromo	$3,129	-2%
Silver Plume	$3,234	+1%
Toponas	$2,984	-7%
Drake	$2,912	-10%
Loveland	$2,772	-15%
Mead	$2,972	-8%
Denver	$3,486	+8%
Model	$3,422	+7%
Sheridan Lake	$3,593	+11%
Walsh	$3,611	+12%
Alamosa	$2,815	-13%
Crestone	$3,004	-7%
Fruita	$2,348	-31%
Meredith	$2,967	-8%
Molina	$2,606	-21%
Campo	$3,535	+10%
Gardner	$3,371	+5%
Mc Clave	$3,482	+8%
Weston	$3,343	+4%
Bayfield	$2,953	-8%
Center	$2,876	-11%
Chama	$3,027	-6%
Wheat Ridge	$3,299	+3%
Littleton	$3,124	-3%
Beulah	$3,560	+10%
Crowley	$3,508	+9%
Eads	$3,554	+10%
Las Animas	$3,460	+8%
Trinchera	$3,391	+6%
Vilas	$3,558	+10%
Granada	$3,599	+12%
Lamar	$3,556	+10%
Sugar City	$3,475	+8%
Two Buttes	$3,567	+11%
Antonito	$2,896	-10%
Capulin	$2,940	-9%
Del Norte	$2,871	-11%
San Luis	$3,008	-6%
Boulder	$2,927	-9%
Dillon	$2,888	-10%
Fraser	$2,950	-8%
Idaho Springs	$3,317	+3%
Arvada	$3,071	-4%
Boone	$3,565	+11%
Fowler	$3,499	+9%
Swink	$3,585	+11%
Larkspur	$3,419	+6%
Englewood	$3,316	+3%
Johnstown	$3,009	-6%
Brush	$3,398	+6%
Dolores	$2,986	-7%
Montrose	$2,587	-21%
Lazear	$2,690	-18%
Norwood	$3,043	-5%
Grand Junction	$2,370	-30%
Stoneham	$3,256	+2%
Calhan	$3,458	+8%
Cheyenne Wells	$3,593	+11%
Seibert	$3,746	+16%
Mosca	$2,914	-10%
Bellvue	$2,894	-10%
Wellington	$2,785	-14%
Lucerne	$2,964	-8%
Jaroso	$2,996	-7%
Pagosa Springs	$3,083	-4%
Villa Grove	$2,924	-9%
Canon City	$2,918	-9%
Crested Butte	$2,916	-9%
Ohio City	$2,956	-8%
Rockvale	$2,959	-8%
Yellow Jacket	$2,994	-7%
Georgetown	$3,253	+1%
Granby	$2,955	-8%
Hot Sulphur Springs	$2,955	-8%
Jamestown	$3,155	-2%
Leadville	$3,087	-4%
Haxtun	$3,540	+10%
Peetz	$3,485	+8%
Genoa	$3,672	+14%
Joes	$3,705	+14%
Salida	$2,876	-11%
Cimarron	$2,800	-14%
Lewis	$2,937	-9%
Bedrock	$2,796	-14%
Ophir	$2,975	-7%
Moffat	$3,041	-5%
Cotopaxi	$2,973	-8%
Nathrop	$2,943	-9%
Pitkin	$2,915	-10%
Marvel	$2,978	-7%
Mesa Verde National Park	$3,001	-7%
La Jara	$2,851	-12%
Coaldale	$2,988	-7%
Parlin	$2,903	-10%
Durango	$2,815	-13%
Cortez	$2,922	-9%
Hesperus	$2,978	-7%
Sanford	$2,849	-12%
Gunnison	$2,872	-11%
Penrose	$3,019	-6%
Egnar	$2,974	-8%
Towaoc	$2,967	-8%
Cory	$2,587	-21%
Crawford	$2,668	-18%
Delta	$2,534	-23%
Hotchkiss	$2,658	-19%
Manassa	$2,880	-11%
Florence	$2,944	-9%
Twin Lakes	$3,067	-4%
Dove Creek	$3,039	-5%
Mancos	$3,026	-6%
Eckert	$2,590	-21%
Nucla	$2,811	-13%
Olathe	$2,569	-22%
Placerville	$2,975	-7%
Hillrose	$3,414	+6%
Holyoke	$3,604	+12%
Idalia	$3,623	+12%
Woodrow	$3,684	+14%
Wray	$3,639	+13%
Divide	$3,361	+5%
Hugo	$3,690	+14%
Karval	$3,592	+11%
Homelake	$2,910	-10%
South Fork	$2,969	-8%
Coal Creek	$3,003	-7%
Howard	$2,945	-8%
Poncha Springs	$2,912	-10%
Wetmore	$3,399	+6%
Cedaredge	$2,630	-20%
Naturita	$2,834	-12%
Ridgway	$3,022	-6%
Silverton	$3,050	-5%
Parachute	$2,654	-19%
Mesa	$2,572	-22%
Golden	$3,166	-1%
Black Hawk	$3,262	+2%
Coalmont	$3,013	-6%
Loma	$2,384	-29%
Avon	$2,854	-12%
Maybell	$2,961	-8%
Rangely	$2,966	-8%
Central City	$3,231	+1%
Dumont	$3,265	+2%
Como	$3,230	+1%
Fairplay	$3,150	-2%
Commerce City	$3,341	+4%
Broomfield	$2,939	-9%
Westminster	$3,198	-0%
Deer Trail	$3,561	+10%
Elbert	$3,423	+7%
Monument	$3,413	+6%
Ignacio	$2,929	-9%
Monarch	$2,908	-10%
Hillside	$3,011	-6%
Lake City	$3,021	-6%
Cahone	$3,038	-5%
Iliff	$3,468	+8%
Ovid	$3,633	+12%
Hasty	$3,470	+8%
Kim	$3,487	+8%
Conejos	$2,994	-7%
Avondale	$3,533	+10%
Branson	$3,448	+7%
Springfield	$3,567	+11%
Wiley	$3,564	+11%
Blanca	$2,933	-9%
Creede	$2,864	-11%
Fort Garland	$2,958	-8%
Aguilar	$3,372	+5%
Boncarbo	$3,357	+5%
Holly	$3,649	+13%
La Veta	$3,333	+4%
Manzanola	$3,533	+10%
Pritchett	$3,533	+10%
Florissant	$3,316	+3%
Vona	$3,659	+13%
Yoder	$3,647	+13%
Buffalo Creek	$3,346	+4%
Clark	$3,012	-6%
Agate	$3,607	+12%
Castle Rock	$3,263	+2%
Watkins	$3,383	+5%
Franktown	$3,302	+3%
Conifer	$3,432	+7%
Cowdrey	$3,037	-5%
Evergreen	$3,381	+5%
Bennett	$3,344	+4%
Louviers	$3,209	+0%
Strasburg	$3,438	+7%
Dupont	$3,314	+3%
Lafayette	$2,850	-12%
Louisville	$2,866	-11%
Palmer Lake	$3,376	+5%
Lindon	$3,561	+10%
Padroni	$3,435	+7%
Paoli	$3,566	+11%
Vernon	$3,664	+13%
Anton	$3,725	+15%
Arapahoe	$3,566	+11%
Bethune	$3,661	+13%
Rand	$3,040	-5%
Ward	$3,143	-2%
Allenspark	$3,003	-7%
Dacono	$3,110	-3%
Lyons	$3,022	-6%
Milliken	$3,015	-6%
Ault	$3,026	-6%
Evans	$3,014	-6%
Henderson	$3,244	+1%
Keenesburg	$3,213	+0%
La Salle	$3,039	-5%
Grover	$3,154	-2%
Sedgwick	$3,593	+11%
Ramah	$3,662	+13%
Woodland Park	$3,411	+6%
Hereford	$3,124	-3%
Otis	$3,607	+12%
Manitou Springs	$3,420	+6%
Hooper	$2,905	-10%
Saguache	$2,923	-9%
Almont	$2,899	-10%
Westcliffe	$3,272	+2%
Redvale	$2,846	-12%
Somerset	$2,903	-10%
Telluride	$3,005	-6%
Yuma	$3,645	+13%
Cascade	$3,405	+6%
Clifton	$2,399	-29%
Gateway	$2,507	-24%
Mack	$2,391	-29%
Whitewater	$2,429	-28%
Basalt	$2,915	-10%
Slater	$2,936	-9%
Trinidad	$3,338	+4%
Walsenburg	$3,356	+5%
Carbondale	$2,802	-13%
Gill	$3,069	-4%
Pierce	$3,038	-5%
Akron	$3,596	+11%
Rollinsville	$3,232	+1%
Berthoud	$2,845	-12%
Timnath	$2,904	-10%
Weldona	$3,379	+5%
Fort Morgan	$3,412	+6%
Pine	$3,453	+7%
Tabernash	$2,948	-8%
Frederick	$3,082	-4%
Glen Haven	$2,840	-12%
Briggsdale	$3,200	-0%
Glenwood Springs	$2,723	-16%
Eagle	$2,846	-12%
Minturn	$2,885	-11%
Silt	$2,644	-19%
Woody Creek	$2,958	-8%
Bailey	$3,351	+4%
Burns	$2,988	-7%
Frisco	$2,880	-11%
Grand Lake	$2,968	-8%
Morrison	$3,278	+2%
Yampa	$3,024	-6%
Firestone	$2,987	-7%
Livermore	$2,979	-7%
Hudson	$3,201	-0%
Platteville	$3,113	-3%
Log Lane Village	$3,412	+6%
Amherst	$3,578	+11%
Hoehne	$3,399	+6%
La Junta	$3,496	+9%
Rocky Ford	$3,496	+9%
Eaton	$3,004	-7%
Galeton	$3,057	-5%
Atwood	$3,466	+8%
Glade Park	$2,410	-28%
Aspen	$2,994	-7%
Snowmass Village	$2,997	-7%
Craig	$2,975	-7%
Gypsum	$2,837	-12%
Haswell	$3,564	+11%
Olney Springs	$3,530	+10%
Snyder	$3,397	+6%
Rush	$3,677	+14%
Orchard	$3,349	+4%
Wiggins	$3,415	+6%
Collbran	$2,521	-24%
Red Cliff	$2,841	-12%
De Beque	$2,498	-25%
Edwards	$2,843	-12%
Meeker	$2,950	-8%
Rifle	$2,619	-20%
Parshall	$2,953	-8%
Phippsburg	$3,033	-6%
Shawnee	$3,287	+2%
Hygiene	$2,841	-12%
Red Feather Lakes	$3,001	-7%
Carr	$3,064	-5%
Julesburg	$3,615	+12%
Cripple Creek	$3,337	+4%
Flagler	$3,694	+14%
Green Mountain Falls	$3,421	+6%
Byers	$3,463	+8%
Elizabeth	$3,403	+6%
Kiowa	$3,462	+8%
Lone Tree	$3,149	-2%
Sedalia	$3,310	+3%
Sargents	$3,051	-5%
Pleasant View	$2,955	-8%
Ouray	$3,020	-6%
Paradox	$2,849	-12%
Parker	$3,264	+2%
Thornton	$3,215	+0%
Indian Hills	$3,290	+3%
Grant	$3,216	+0%
Hartsel	$3,177	-1%
Jefferson	$3,279	+2%
Climax	$3,082	-4%
Empire	$3,228	+1%
Oak Creek	$3,033	-6%
Alma	$3,186	-1%
Bond	$2,962	-8%
Eldorado Springs	$2,913	-10%
Wolcott	$2,873	-11%
Snowmass	$2,996	-7%
Monte Vista	$2,837	-12%
Romeo	$2,936	-9%
Buena Vista	$2,917	-9%
Powderhorn	$2,930	-9%
Austin	$2,577	-22%
Paonia	$2,656	-19%
Breckenridge	$2,895	-10%
Idledale	$3,266	+2%
Kittredge	$3,281	+2%
Kremmling	$3,029	-6%
Mc Coy	$2,918	-9%
Nederland	$3,160	-1%

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Curious about how much your car insurance might cost in your state? Use Bankrate's insurance calculator below to estimate your auto insurance expenses in just a few simple steps. Input your relevant details, and let our tool provide you with an insightful approximation of your potential insurance costs, helping you make informed decisions about your coverage. Keep in mind that this calculator gives you a ballpark figure, not an exact quote.

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Frequently asked questions

The best car insurance for you depends on your unique insurance needs and personal factors. To help you find the best coverage in Indiana, you might start by determining what you’re looking for from an insurance company. For instance, if you have infractions on your driving record, you might look for an insurer that accepts high-risk drivers. If you’re on a tight budget, the best company for you might be the one offering you the lowest premium. If you have several vehicles to insure, you might search for a company that gives you a generous multi-car discount. Once you know what you’re looking for from an insurance provider, you can request quotes to find the best company for you.
The cheapest car insurance in Indiana will vary from driver to driver. Your premium will depend on your individual rating factors, including your age, driving history and the coverage types and levels you choose, which means the cheapest car insurance company for you may not be the cheapest for someone else.

Price is also only one factor to consider when buying insurance. You might get a low premium, but if the insurer isn’t financially stable, you could find yourself struggling to collect if you have to file a claim. Experts recommend shopping around to compare coverage options, customer satisfaction standings and quoted rates from several companies.
Car insurance is required in Indiana, so driving without insurance is illegal. Failure to purchase adequate insurance could result in large fines and suspension of your license. Even if you aren’t caught, you’ll be putting yourself at significant financial risk. If you were to cause an accident, you’d be fully responsible not only for the cost to fix your car, but also the cost to repair the other driver’s vehicle out of pocket, as well as potentially their medical bills for injuries you caused.
Average Indiana rates are well below national average, and the state is not considered one of the more expensive states for car insurance. Your own rate, however, may be higher than the averages based on a handful of factors that you may or may not be able to control. Your age, credit rating and driving history all play a part in determining your rate, as does your car's age, make and model. Your ZIP code is another qualifier. In general, rates in urban areas tend to be higher to account for the increased risk of accidents on crowded streets and highways. So if you live in Indianapolis, Fort Wayne or one of the state's other large cities, you may pay a higher rate for coverage. Keeping a clean driving record is another factor, which you can control by maintaining safe and careful driving habits.

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Bankrate utilizes Quadrant Information Services to analyze April 2025 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 for our base profile are based on the following characteristics and full coverage limits:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

Bankrate Scores

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Best car insurance in Indiana for 2025

Best car insurance companies in Indiana

Progressive

Best for digital tools

Overview

Pros and cons

Who Progressive may be good for

Geico

Best for discounts

Overview

Pros and cons

Who Geico may be good for

State Farm

Best for local agents

Overview

Pros and cons

Who State Farm may be good for

Auto-Owners

Best for customer service

Overview

Pros and cons

Who Auto-Owners may be good for

USAA

Best for military-focused coverage

Overview

Pros and cons

Who USAA may be good for

Compare auto insurance rates

How to find the best car insurance in Indiana

Consider minimum insurance requirements in Indiana

Consider lender requirements

Consider your individual needs

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How much is car insurance in Indiana?

Estimate your car insurance cost in Indiana

Calculate your monthly car insurance payment

Frequently asked questions

What is the best car insurance in Indiana?

What is the cheapest car insurance company in Indiana?

What happens if I drive without insurance in Indiana?

Why is my Indiana car insurance so expensive?

Methodology

Bankrate Scores