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Best car insurance in Indiana for 2024
Powered by Coverage.com (NPN: 19966249)
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 car insurance companies in Indiana
Drivers pay an average of $1,713 per year for full coverage and $409 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.
|
|
|
|
---|---|---|---|
4.4
|
$1,417
|
$367
|
|
4.4
|
$1,398
|
$272
|
|
4.3
|
$2,685
|
$691
|
|
4.3
|
$1,646
|
$365
|
|
4.2
|
$1,203
|
$313
|
Progressive
Best for digital policy management
4.4
4.4
Answer a few questions to see personalized rates from top carriers.
Avg. full coverage premium
$118/mo
Avg. full coverage premium
$1,417/yr
Customer satisfaction
648/1,000
-
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. The company offers numerous discounts, as well, which could help you lower your premium. It was also named the Best Auto Insurance Company for High-Risk Drivers in the 2024 Bankrate Awards. However, its customer satisfaction is lacking per J.D. Power, which places it below average on its customer satisfaction ranking for the North Central states.
Geico
Best for multiple discount opportunities
4.4
4.4
Avg. full coverage premium
$116/mo
Avg. full coverage premium
$1,398/yr
Customer satisfaction
641/1,000
-
Why Geico made our list: Geico is well-known in the insurance industry for having some of the lowest rates available, and the company’s average annual full and minimum coverage premiums are below the state average in Indiana. Geico also offers a wide array of discounts to help customers lower their premiums even more. The company earned several 2024 Bankrate Awards, including Best for Young Drivers and tied for the Best Budget Auto Insurance Company and the Best Auto Insurance Company Overall. However, Geico does not offer as many optional coverage types as some other carriers, and its policies are relatively basic.
State Farm
Best for local agencies
4.3
4.3
Answer a few questions to see personalized rates from top carriers.
Avg. full coverage premium
$224/mo
Avg. full coverage premium
$2,685/yr
Customer satisfaction
665/1,000
-
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. Further, the company’s average rates for Indiana are the most expensive on our list.
Auto-Owners
Best for personalized coverage
4.3
4.3
Answer a few questions to see personalized rates from top carriers.
Avg. full coverage premium
$137/mo
Avg. full coverage premium
$1,646/yr
Customer satisfaction
646/1,000
-
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. Auto-Owners also tied for the Best Budget Auto Insurance Company in the 2024 Bankrate Awards. 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.
USAA
Best for military-focused coverage
4.2
4.2
Avg. full coverage premium
$100/mo
Avg. full coverage premium
$1,203/yr
Customer satisfaction
726/1,000
-
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. 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.
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
Read our full methodologyTo help Indiana drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
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.
New
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.
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Answer a few questions to see personalized rates from top carriers in Indiana
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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 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 $409 per year for minimum coverage and $1,713 per year for full coverage. These average costs are cheaper than the national average cost of car insurance, which is $664 annually for minimum coverage and $2,388 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 $895 per year and full coverage costs an average of $3,053 per year. To the south, Kentucky drivers also pay more than drivers in Indiana, with average rates of $776 per year for minimum coverage and $2,689 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.
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But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Sterling | $3,105 | +5% |
Arriba | $3,311 | +12% |
Fountain | $3,146 | +7% |
Stratton | $3,325 | +12% |
Wild Horse | $3,268 | +10% |
Merino | $3,148 | +7% |
Cope | $3,326 | +12% |
Kirk | $3,327 | +12% |
Lake George | $3,018 | +2% |
Matheson | $3,412 | +15% |
Peyton | $3,112 | +6% |
Simla | $3,276 | +11% |
Victor | $3,007 | +2% |
Colorado Springs | $3,169 | +7% |
Guffey | $2,909 | -1% |
Kit Carson | $3,240 | +10% |
Limon | $3,393 | +14% |
U S A F Academy | $3,044 | +3% |
Pueblo | $3,206 | +8% |
Colorado City | $3,179 | +8% |
Hartman | $3,287 | +11% |
Ordway | $3,181 | +8% |
Rye | $3,191 | +8% |
Eckley | $3,309 | +12% |
Fleming | $3,117 | +6% |
New Raymer | $2,911 | -1% |
Burlington | $3,271 | +10% |
Aurora | $3,287 | +11% |
Steamboat Springs | $2,700 | -9% |
Walden | $2,671 | -10% |
Winter Park | $2,709 | -8% |
Estes Park | $2,581 | -13% |
Fort Collins | $2,543 | -15% |
Laporte | $2,496 | -17% |
Masonville | $2,468 | -18% |
Windsor | $2,696 | -9% |
Eastlake | $2,914 | -1% |
Greeley | $2,749 | -7% |
Silverthorne | $2,623 | -12% |
Erie | $2,660 | -10% |
Fort Lupton | $2,881 | -2% |
Kersey | $2,804 | -5% |
Crook | $3,152 | +7% |
Pinecliffe | $2,765 | -6% |
Niwot | $2,506 | -16% |
Brighton | $2,895 | -2% |
Longmont | $2,626 | -11% |
Gilcrest | $2,724 | -8% |
Nunn | $2,823 | -4% |
Roggen | $2,963 | +1% |
Palisade | $2,206 | -29% |
Dinosaur | $2,645 | -11% |
Hamilton | $2,710 | -8% |
Hayden | $2,699 | -9% |
New Castle | $2,420 | -20% |
Vail | $2,594 | -13% |
Arlington | $3,266 | +10% |
Fort Lyon | $3,716 | +23% |
Chromo | $2,825 | -4% |
Silver Plume | $2,932 | -0% |
Toponas | $2,745 | -7% |
Drake | $2,636 | -11% |
Loveland | $2,483 | -17% |
Mead | $2,650 | -11% |
Denver | $3,146 | +7% |
Model | $3,088 | +5% |
Sheridan Lake | $3,222 | +9% |
Walsh | $3,235 | +9% |
Alamosa | $2,873 | -3% |
Crestone | $2,719 | -8% |
Fruita | $2,130 | -32% |
Meredith | $2,694 | -9% |
Molina | $2,352 | -22% |
Campo | $3,174 | +7% |
Gardner | $3,028 | +3% |
Mc Clave | $3,130 | +6% |
Weston | $3,022 | +3% |
Bayfield | $2,684 | -9% |
Center | $2,596 | -13% |
Chama | $2,730 | -8% |
Wheat Ridge | $3,005 | +2% |
Littleton | $2,831 | -4% |
Beulah | $3,273 | +11% |
Crowley | $3,198 | +8% |
Eads | $3,205 | +8% |
Las Animas | $3,119 | +6% |
Trinchera | $3,052 | +4% |
Vilas | $3,182 | +8% |
Granada | $3,231 | +9% |
Lamar | $3,191 | +8% |
Sugar City | $3,134 | +6% |
Two Buttes | $3,198 | +8% |
Antonito | $2,641 | -11% |
Capulin | $2,656 | -10% |
Del Norte | $2,604 | -12% |
San Luis | $2,744 | -7% |
Boulder | $2,665 | -10% |
Dillon | $2,607 | -12% |
Fraser | $2,661 | -10% |
Idaho Springs | $2,997 | +2% |
Arvada | $2,786 | -6% |
Boone | $3,246 | +10% |
Fowler | $3,165 | +7% |
Swink | $3,229 | +9% |
Larkspur | $3,086 | +5% |
Englewood | $3,010 | +2% |
Johnstown | $2,710 | -8% |
Brush | $3,080 | +4% |
Dolores | $2,703 | -9% |
Montrose | $2,347 | -23% |
Lazear | $2,438 | -19% |
Norwood | $2,753 | -7% |
Grand Junction | $2,145 | -31% |
Stoneham | $2,938 | -0% |
Calhan | $3,109 | +5% |
Cheyenne Wells | $3,246 | +10% |
Seibert | $3,393 | +14% |
Mosca | $2,636 | -11% |
Bellvue | $2,607 | -12% |
Wellington | $2,514 | -16% |
Lucerne | $2,683 | -9% |
Jaroso | $2,722 | -8% |
Pagosa Springs | $2,802 | -5% |
Villa Grove | $2,659 | -10% |
Canon City | $2,646 | -11% |
Crested Butte | $2,636 | -11% |
Ohio City | $2,673 | -10% |
Rockvale | $2,705 | -9% |
Yellow Jacket | $2,706 | -8% |
Georgetown | $2,925 | -1% |
Granby | $2,666 | -10% |
Hot Sulphur Springs | $2,676 | -10% |
Jamestown | $2,857 | -3% |
Leadville | $2,820 | -4% |
Haxtun | $3,173 | +7% |
Peetz | $3,152 | +7% |
Genoa | $3,354 | +13% |
Joes | $3,338 | +12% |
Salida | $2,613 | -12% |
Cimarron | $2,525 | -15% |
Granite | $2,733 | -7% |
Lewis | $2,670 | -10% |
Bedrock | $2,541 | -15% |
Ophir | $2,718 | -8% |
Moffat | $2,746 | -7% |
Cotopaxi | $2,716 | -8% |
Nathrop | $2,639 | -11% |
Pitkin | $2,640 | -11% |
Marvel | $2,724 | -8% |
Mesa Verde National Park | $2,730 | -8% |
La Jara | $2,590 | -13% |
Coaldale | $2,716 | -8% |
Parlin | $2,616 | -12% |
Durango | $2,540 | -15% |
Cortez | $2,646 | -11% |
Hesperus | $2,730 | -8% |
Sanford | $2,584 | -13% |
Gunnison | $2,822 | -4% |
Penrose | $2,731 | -8% |
Egnar | $2,701 | -9% |
Towaoc | $2,705 | -9% |
Cory | $2,345 | -23% |
Crawford | $2,403 | -20% |
Delta | $2,288 | -25% |
Hotchkiss | $2,404 | -20% |
Manassa | $2,629 | -11% |
Florence | $2,684 | -9% |
Twin Lakes | $2,795 | -5% |
Dove Creek | $2,756 | -7% |
Mancos | $2,744 | -7% |
Eckert | $2,341 | -23% |
Nucla | $2,544 | -15% |
Olathe | $2,324 | -24% |
Placerville | $2,711 | -8% |
Hillrose | $3,087 | +5% |
Holyoke | $3,222 | +9% |
Idalia | $3,300 | +11% |
Woodrow | $3,326 | +12% |
Wray | $3,270 | +10% |
Divide | $3,047 | +3% |
Hugo | $3,362 | +13% |
Karval | $3,249 | +10% |
Homelake | $2,647 | -11% |
South Fork | $2,702 | -9% |
Coal Creek | $2,731 | -8% |
Howard | $2,684 | -9% |
Poncha Springs | $2,659 | -10% |
Wetmore | $3,143 | +6% |
Cedaredge | $2,377 | -21% |
Naturita | $2,569 | -14% |
Ridgway | $2,732 | -8% |
Silverton | $2,769 | -6% |
Parachute | $2,407 | -20% |
Mesa | $2,332 | -23% |
Golden | $2,858 | -3% |
Black Hawk | $2,949 | +0% |
Coalmont | $2,742 | -7% |
Loma | $2,168 | -30% |
Avon | $2,595 | -13% |
Maybell | $2,682 | -9% |
Rangely | $2,696 | -9% |
Central City | $2,920 | -1% |
Dumont | $2,962 | +1% |
Como | $2,903 | -1% |
Fairplay | $2,852 | -3% |
Commerce City | $3,047 | +3% |
Broomfield | $2,656 | -10% |
Westminster | $2,917 | -1% |
Deer Trail | $3,255 | +10% |
Elbert | $3,086 | +5% |
Monument | $3,076 | +4% |
Ignacio | $2,664 | -10% |
Monarch | $2,643 | -11% |
Hillside | $2,747 | -7% |
Lake City | $2,740 | -7% |
Cahone | $2,745 | -7% |
Iliff | $3,130 | +6% |
Ovid | $3,276 | +11% |
Hasty | $3,106 | +5% |
Kim | $3,142 | +6% |
Conejos | $2,702 | -9% |
Avondale | $3,222 | +9% |
Branson | $3,100 | +5% |
Springfield | $3,199 | +8% |
Wiley | $3,205 | +8% |
Blanca | $2,657 | -10% |
Creede | $2,594 | -13% |
Fort Garland | $2,682 | -9% |
Aguilar | $3,057 | +4% |
Boncarbo | $3,046 | +3% |
Holly | $3,275 | +11% |
La Veta | $3,008 | +2% |
Manzanola | $3,195 | +8% |
Pritchett | $3,201 | +8% |
Florissant | $2,992 | +2% |
Vona | $3,311 | +12% |
Yoder | $3,316 | +12% |
Buffalo Creek | $3,006 | +2% |
Clark | $2,726 | -8% |
Agate | $3,313 | +12% |
Castle Rock | $2,953 | +0% |
Watkins | $3,064 | +4% |
Franktown | $3,008 | +2% |
Conifer | $3,116 | +6% |
Cowdrey | $2,777 | -6% |
Evergreen | $3,072 | +4% |
Bennett | $3,021 | +3% |
Louviers | $2,894 | -2% |
Strasburg | $3,141 | +6% |
Dupont | $2,998 | +2% |
Lafayette | $2,567 | -14% |
Louisville | $2,582 | -13% |
Palmer Lake | $3,055 | +4% |
Lindon | $3,251 | +10% |
Padroni | $3,122 | +6% |
Paoli | $3,215 | +9% |
Vernon | $3,305 | +11% |
Anton | $3,317 | +12% |
Arapahoe | $3,243 | +10% |
Bethune | $3,308 | +12% |
Rand | $2,772 | -6% |
Ward | $2,833 | -4% |
Allenspark | $2,722 | -8% |
Dacono | $2,802 | -5% |
Lyons | $2,722 | -8% |
Milliken | $2,723 | -8% |
Ault | $2,748 | -7% |
Evans | $2,726 | -8% |
Henderson | $2,933 | -0% |
Keenesburg | $2,923 | -1% |
La Salle | $2,744 | -7% |
Grover | $2,864 | -3% |
Sedgwick | $3,257 | +10% |
Ramah | $3,322 | +12% |
Woodland Park | $3,109 | +5% |
Hereford | $2,814 | -5% |
Otis | $3,247 | +10% |
Manitou Springs | $3,077 | +4% |
Hooper | $2,625 | -12% |
Saguache | $2,654 | -10% |
Almont | $2,611 | -12% |
Westcliffe | $2,981 | +1% |
Redvale | $2,578 | -13% |
Somerset | $2,647 | -11% |
Telluride | $2,728 | -8% |
Yuma | $3,283 | +11% |
Cascade | $3,068 | +4% |
Clifton | $2,186 | -30% |
Gateway | $2,287 | -25% |
Mack | $2,175 | -30% |
Whitewater | $2,198 | -29% |
Basalt | $2,667 | -10% |
Slater | $2,671 | -10% |
Trinidad | $3,009 | +2% |
Walsenburg | $3,027 | +3% |
Carbondale | $2,553 | -14% |
Gill | $2,768 | -6% |
Pierce | $2,759 | -7% |
Akron | $3,246 | +10% |
Rollinsville | $2,938 | -0% |
Berthoud | $2,578 | -13% |
Timnath | $2,618 | -12% |
Weldona | $3,052 | +4% |
Fort Morgan | $3,081 | +4% |
Pine | $3,123 | +6% |
Tabernash | $2,666 | -10% |
Frederick | $2,787 | -6% |
Glen Haven | $2,569 | -14% |
Briggsdale | $2,905 | -1% |
Glenwood Springs | $2,481 | -17% |
Eagle | $2,598 | -13% |
Minturn | $2,623 | -12% |
Silt | $2,400 | -20% |
Woody Creek | $2,684 | -9% |
Bailey | $3,046 | +3% |
Burns | $2,699 | -9% |
Frisco | $2,609 | -12% |
Grand Lake | $2,678 | -10% |
Morrison | $2,969 | +1% |
Yampa | $2,750 | -7% |
Firestone | $2,679 | -9% |
Livermore | $2,702 | -9% |
Hudson | $2,926 | -1% |
Platteville | $2,812 | -5% |
Log Lane Village | $3,076 | +4% |
Amherst | $3,230 | +9% |
Hoehne | $3,054 | +4% |
La Junta | $3,141 | +6% |
Rocky Ford | $3,162 | +7% |
Eaton | $2,720 | -8% |
Galeton | $2,754 | -7% |
Atwood | $3,143 | +6% |
Glade Park | $2,188 | -29% |
Aspen | $2,725 | -8% |
Snowmass Village | $2,736 | -7% |
Craig | $2,697 | -9% |
Gypsum | $2,595 | -13% |
Haswell | $3,204 | +8% |
Olney Springs | $3,181 | +8% |
Snyder | $3,084 | +5% |
Rush | $3,344 | +13% |
Orchard | $3,007 | +2% |
Wiggins | $3,088 | +5% |
Collbran | $2,270 | -26% |
Red Cliff | $2,608 | -12% |
De Beque | $2,250 | -27% |
Edwards | $2,586 | -13% |
Meeker | $2,669 | -10% |
Rifle | $2,379 | -21% |
Parshall | $2,670 | -10% |
Phippsburg | $2,751 | -7% |
Shawnee | $2,993 | +2% |
Hygiene | $2,572 | -14% |
Red Feather Lakes | $2,733 | -7% |
Carr | $2,803 | -5% |
Julesburg | $3,263 | +10% |
Cripple Creek | $3,008 | +2% |
Flagler | $3,334 | +12% |
Green Mountain Falls | $3,080 | +4% |
Byers | $3,143 | +6% |
Elizabeth | $3,075 | +4% |
Kiowa | $3,145 | +7% |
Lone Tree | $2,867 | -3% |
Sedalia | $3,000 | +2% |
Sargents | $2,790 | -5% |
Pleasant View | $2,686 | -9% |
Ouray | $2,742 | -7% |
Paradox | $2,572 | -14% |
Parker | $2,998 | +2% |
Thornton | $2,947 | +0% |
Indian Hills | $2,985 | +1% |
Grant | $2,916 | -1% |
Hartsel | $2,872 | -3% |
Jefferson | $2,967 | +1% |
Climax | $2,809 | -5% |
Empire | $2,918 | -1% |
Oak Creek | $2,750 | -7% |
Alma | $2,883 | -2% |
Bond | $2,704 | -9% |
Eldorado Springs | $2,631 | -11% |
Wolcott | $2,611 | -12% |
Snowmass | $2,733 | -7% |
Monte Vista | $2,565 | -14% |
Romeo | $2,672 | -10% |
Buena Vista | $2,646 | -11% |
Powderhorn | $2,657 | -10% |
Austin | $2,337 | -23% |
Paonia | $2,406 | -20% |
Breckenridge | $2,620 | -12% |
Idledale | $2,955 | +0% |
Kittredge | $2,978 | +1% |
Kremmling | $2,747 | -7% |
Mc Coy | $2,658 | -10% |
Nederland | $2,859 | -3% |
Estimate your car insurance cost in Indiana
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Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze October 2024 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 coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500These are sample rates and should only be used for comparative purposes.