HomepageInsuranceCarThe Best Car Insurance Companies in Indiana

The Best Car Insurance Companies in Indiana

This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our
Insurance Disclosure This content is powered powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. 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.
Advertising Disclosure This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews. The offers and clickable links that appear on this advertisement are from companies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors, such as your location, may impact what ads 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 to you as a consumer. We strive to keep our information accurate and up-to-date, but some information may not be current. Your actual offer terms from an advertiser may be different than the offer terms on this widget. All offers may be subject to additional terms and conditions of the advertiser.

Save money on auto coverage with our simple comparison tool.

Please enter a valid zip code

Powered by HomeInsurance.com (NPN: 8781838)
Insurance Disclosure This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. 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.

Click at least 2-3 companies to find the very best rate.

    Advertiser Disclosure

    Close icon.

    We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

    Reviews Report

    • USAA is the best car insurance company in Indiana, earning a 4.8 out of 5 from Reviews.com
    • Erie Insurance has the cheapest coverage in Indiana, with $314.60 in average premiums for state minimum coverage.
    • Uninsured motorists and severe weather are the biggest risks for drivers in Indiana.

    As one of the safest states in terms of road safety, Indiana car insurance prices are significantly lower than the national average. With over four million licensed drivers on Indiana roads, it becomes crucial to have proper insurance coverage to be protected against accidents. 
    Even though a large number of insurance companies operate in Indiana, not all of them offer the best rates or coverage options. Based on pricing, features, discounts, claims handling, financial strength and overall customer satisfaction, USAA comes out on top as the best car insurance company in Indiana, followed closely by State Farm, Allstate, Erie and Nationwide.

    The 5 Best Auto Insurance Companies in Indiana

    • USAA: Best Indiana Car Insurance for Military
    • State Farm: Best Indiana Car Insurance for Discounts
    • Allstate: Best Car Insurance Coverage in Indiana
    • Erie: Cheapest Car Insurance in Indiana
    • Nationwide: Best Indiana Car Insurance for Add-Ons

    Compare the Best Car Insurance Companies in Indiana

    Full Coverage Annual Premium* State Minimum Annual Premium* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin USAA $1,102.98 $346.53 4.8A++895
    Pin State Farm $1,264.42 $416.94 4.6 A++851
    Pin Allstate $1,606.31 $683.01 4 A+ 827
    Pin Erie $1,033.01 $316.404 A+ 857
    Pin Nationwide $1,597.47 $499.623.8 A+ 831

    Information accurate as of July 2021

    *Data provided by Coverage.com

    **J.D. Power’s 2021 U.S. Auto Insurance Satisfaction study for the North Central Region. Based on a 1,000-point scale.

    Best for Military Members

    WHY WE CHOSE IT

    For active and retired members of the armed forces and their immediate families, USAA emerges winner in every category with superior customer service, unmatched rates, and diverse coverage.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $346.53* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 895** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    For active and retired members of the armed forces and their immediate families, USAA emerges winner in every category with superior customer service, unmatched rates, and diverse coverage.

    Pros

    • Excellent customer satisfaction
    • Lower premiums than competitors
    • Strong financial ratings

    Cons

    • Only available to military members
    • Limited discounts advertised
    • Limited add-on coverage
    Read More

    Coverage Options

    • Comprehensive
    • Collision
    • Liability
    • Medical payments
    • Underinsured/uninsured
    • Umbrella insurance

    Discounts Available

    • Safe driver
    • Military deployment
    • Driver training
    • Multi-vehicle
    • Policy bundling

    More USAA Insurance Reviews

    Best for discounts

    WHY WE CHOSE IT

    Budget-conscious consumers can keep costs low with State Farm’s large portfolio of discounts.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $416.94* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 851** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Budget-conscious consumers can keep costs low with State Farm’s large portfolio of discounts.

    Pros

    • Noteworthy discounts
    • Convenient online tools
    • Strong financial health

    Cons

    • May not always be the cheapest
    • Lacking certain coverage options
    Read More

    Coverage Options

    • Full coverage
    • Rideshare insurance
    • PIP coverage
    • Uninsured/underinsured
    • Roadside assistance
    • Rental expenses

    Discounts Available

    • Loyalty
    • Safe driver
    • Multi policy
    • Good student
    • Driver training

    Best for coverage options

    WHY WE CHOSE IT

    Customers with more than just basic needs can rely on the large suite of unique coverage options from Allstate
    • 4 AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • $683.01* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 827** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Customers with more than just basic needs can rely on the large suite of unique coverage options from Allstate

    Pros

    • Lower than average customer complaints
    • Variety of add-ons at an affordable price
    • Claim satisfaction guarantee

    Cons

    • Only six-month terms
    • Average customer satisfaction scores
    Read More

    Coverage Options

    • Basic liability
    • Collision and comprehensive
    • Rental reimbursement
    • Rideshare insurance
    • PIP coverage
    • Uninsured/underinsured
    • Roadside assistance
    • Sound system insurance

    Discounts Available

    • Early signup
    • Responsible payer
    • New car
    • Multi policy
    • Safe driver
    • Safety features

    More Allstate Insurance Reviews

    Cheapest car insurance in Indiana

    WHY WE CHOSE IT

    Combining unmatched affordability with high customer satisfaction, Erie Insurance offers the best deals to budget-minded consumers
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $316.40* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 857** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Combining unmatched affordability with high customer satisfaction, Erie Insurance offers the best deals to budget-minded consumers

    Pros

    • Cheapest rates in the state
    • Over 90%t customer retention
    • Superior customer satisfaction scores

    Cons

    • Limited digital tools
    • No claims forgiveness available
    Read More

    Coverage Options

    • Pet coverage
    • Glass repair
    • Roadside assistance
    • Rental insurance
    • Locksmith services
    • Personal item coverage

    Discounts Available

    • Safe driving
    • Multi-car/policy
    • Reduced usage
    • Safety equipment
    • Young drivers
    • Annual payment

    More Erie Insurance Reviews

    Best for add-ons

    WHY WE CHOSE IT

    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $499.62* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 831** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Pros

    • Extensive coverage options and additional perks
    • Strong claims support
    • Wide network of local agents

    Cons

    • No rideshare insurance
    • Not the cheapest rates
    • Lower customer satisfaction ratings
    Read More

    Coverage Options

    • Liability 
    • Collision and comprehensive
    • Gap insurance
    • Rental expense
    • Towing and labor coverage
    • Roadside assistance

    Discounts Available

    • SmartRide
    • SmartMiles
    • Safe driver
    • Defensive driving
    • Accident-free
    • Automatic Payments
    • Anti-theft devices

    More Nationwide Insurance Reviews

    Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2021 U.S. Auto Insurance Study rating for the North Central region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Indiana

    The cost of auto insurance in Indiana is on the lower end of the spectrum, with full coverage of an average of $1,187 annually, compared to the national average of $1,555. Since roadways in Indiana are considered safer than many other states, insurance providers view this as lower risk, resulting in affordable premiums. 

    However, personal demographics such as age, ZIP code, and driving history play an important role in determining the cost of car insurance, as do climatic conditions of the region. Indiana also has a low population and a crowded insurance market, which make prices cheaper in this state.

    Top 3 Cheapest Car Insurance Companies in Indiana

    CompanyAverage Annual Premium
    Erie$316.40
    USAA$346.53
    Auto Owners$354.88

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Indiana

    CompanyAverage Annual Premium
    Allstate $683.01
    SafeAuto$655.07
    Progressive$582.05

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Indiana 

    CityAverage Annual Premium*
    Huntingburg$506.66
    Portland$508.48
    Decatur$511.14

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Indiana 

    CityAverage Annual Premium*
    East Chicago$797.81
    Jeffersonville$797.19
    Gary$795.19

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Indiana Car Insurance: What You Need to Know

    The cost of car insurance in Indiana might be lower than the national average, but where you live in the state can significantly influence your annual premiums. For instance, people in Indianapolis will pay more in car insurance as opposed to drivers living in South Bend or Carmel, based on population density and traffic volume. Every year, Indiana is affected by weather damage in the form of tornadoes, rainstorms, and floods, which increases the risk of vehicle damage. Indiana also has a high number of uninsured motorists, which must also be taken into account when purchasing car insurance coverage.

    • In 2019, Indiana had 751 fatal accidents, causing 809 deaths
    • At 16.7%, Indiana has some of the highest numbers of uninsured motorists
    • Multiple-vehicle crashes account for 51% of all traffic accidents

    Indiana Minimum Insurance Requirements

    It is illegal to drive in Indiana without sufficient car insurance coverage. Every state sets its own coverage limits for motorists. The minimum liability requirements in this state are 25/50/25, which means every driver must carry:

    The breakdown of the state minimum car insurance coverage in Indiana is as follows:

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

    Basic auto insurance Indiana also requires inclusion of uninsured/underinsured motorist protection, unless it is rejected in writing.

    Additional Car Insurance Coverage in Indiana

    The minimum required coverage might be enough to let you drive legally in Indiana but with the large number of uninsured drivers and routine weather damage every year, additional coverage becomes essential. Along with your basic car insurance policy, certain add-ons can prove to be invaluable, such as:

    • Comprehensive coverage: This option covers your vehicle against weather damage, theft, vandalism, and other non-accident-related incidents.
    • Collision coverage: This covers you in the event of collision with another vehicle.
    • Personal injury protection: Personal injury protection pays for the cost of initial medical treatment for you and your passengers after an accident.
    • Roadside assistance: Roadside assistance covers some or all of the fees and charges of towing a vehicle or requiring a jumpstart on the side of the road.

    Indiana’s At-Fault Law

    Indiana is an at-fault, or tort, state, which means that the driver responsible for a collision must foot the bills of the other party. The at-fault driver’s insurance company must pay for the expenses. Generally, police use evidence available to determine the driver responsible for the crash. Tort states usually have cheaper car insurance compared to no-fault states, but remember that the process before you get paid could be long and winding. There are also higher instances of lawsuits in tort states, since the injured party can sue the at-fault driver for bills, loss of wages and even emotional distress arising from the accident.

    Penalties for driving without car insurance in Indiana

    Minimum liability insurance is mandatory in Indiana, and uninsured motorists can be fined anywhere between $250 and $1000 and have their license suspended for 90 days or longer. If you cancel your car insurance, the DMV must be notified about it or you could face penalties.

    Indiana Car Insurance FAQ 

    Methodology 

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Indiana, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Indiana, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100K bodily injury liability per person
    • $300K bodily injury liability coverage per crash
    • $100K property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Cynthia Widmayer Contributing Writer

    Cynthia Widmayer is an insurance and personal finance writer featured in The Simple Dollar, Bankrate, and Coverage.com among others. She holds a master’s degree in journalism from the University of London.

    Table Of Contents