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The Best Indiana Car Insurance Company

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    To select the best Indiana car insurance companies, we analyzed factors such as overall customer satisfaction, standard and optional coverage, available discounts, premiums, and more. We also looked at J.D. Power ratings, BBB data, and A.M Best financial strength ratings. 

    We ranked Erie Insurance as the best car insurance company in Indiana due to its high ratings from independent parties and excellent customer support. We also added our top picks evaluated and reviewed below.

    The 5 Best Car Insurance Companies in Indiana

     ErieUSAAAuto-Owners InsuranceGEICOState Farm
     Our reviewOur reviewOur reviewOur reviewOur review
    A.M Best Financial Strength RatingA+A++A++A++A++
    J.D. Power 2019 Overall Customer Satisfaction Score(North Central Region)5/55/53/53/54/5
    Avg. Annual Premium$499$374$707$488$551
     Compare ratesCompare ratesCompare ratesCompare ratesCompare rates

    Quadrant car insurance rate data as of 07/01/2019

    Erie Insurance


    Best Indiana Car Insurance
    ERIE Insurance
    ERIE Insurance


    Pros

    • Highly rated for consumer satisfaction on J.D. Power 
    • Unique coverage options

    Cons

    • No mobile app
    • Can’t file claims online

    Erie Insurance tops our list because of its great plans with unique options (such as pet coverage), and a powerful local presence of over 13,000 agents in the Indiana community. It’s also one of the best-rated companies for overall customer satisfaction in the North Central region, according to J.D. Power. 

    USAA


    Best Indiana Car Insurance
    USAA

    Pros

    Cons

    • Only available to former and active military members, veterans, and their families

    USAA’s low premiums and flexible choices make it an excellent choice for those eligible for coverage. It also focuses on convenience, bundling multiple services under one roof such as auto, finance and passenger protection insurance,  and giving its customers the freedom to manage their coverage on the go with a dedicated mobile app.

    Auto-Owners Insurance


    Best Indiana Car Insurance
    Auto-Owners Insurance
    Auto-Owners Insurance


    Pros

    Cons

    • Higher premiums

    Auto-Owners Insurance is the most expensive provider on this list, but it makes up for this by offering several unique discounts such as the multi-policy discount to those who have more than one auto policy and add-ons to help save money long term. Its Personal Automobile Plus Package, for instance, includes 10 additional coverages for one price.

    GEICO


    Best Indiana Car Insurance
    Geico

    Pros

    • Features low rates and great discounts
    • Rated 5/5 stars for policy offerings by J.D. Power
    • Mechanical Breakdown Insurance

    Cons

    • Limited network of local agents in Indiana
    • No gap insurance offered

    GEICO offers no-frills, affordable policies with ample opportunities for further discounts or policy add-ons that cover repairs after manufacturer warranties expire. And if you have teen drivers, GEICO makes it simple to move them to their own policy in the future. 

    State Farm


    Best Indiana Car Insurance
    State Farm
    State Farm


    Pros

    • Offers more than one policy for the family car, with teens in mind
    • Safe-driver discounts of up to 30% available

    Cons

    • Mixed consumer reviews
    • Missing common add-ons like new car replacement

    State Farm has policies for everyone in the family, even teen drivers, and offers a multitude of ways to save as much as 30% on car insurance such as the accident-free discount which rewards drivers who have not had an accident during three years, and even good student discount for those students who maintain their grades.

    The Cheapest Car Insurance Companies in Indiana

    Largest Companies by Market Share in IndianaAverage Annual Premium 
    USAA$374
    Pekin Insurance$404
    Geico$488
    Erie Insurance$499
    State Farm$551
    Progressive$634
    Auto-Owners Insurance$707
    Indiana Farmers Insurance$739
    Farmers Insurance$755
    Encompass$782
    Nationwide$794
    UFB Casualty Insurance$809
    Motorists Mutual$922
    Grange Trustgard Insurance$937
    Hastings Mutual Insurance$940
    Safe Auto Insurance$1,092
    Westfield Insurance$1,124
    Metropolitan Insurance$1,367
    Allstate$1,378
    The Hanover$1,870

    Car Insurance by Credit Rating

    Credit Rating tierAverage Annual Premium 
    Poor$1,467
    Below Fair$1,215
    Fair$1,009
    Average$912
    Good$832
    Excellent$685
    Average Across Credit Rating Tiers$1,020

    Top 3 Cheapest Car Insurance Companies in Indiana

    • USAA – $374
    • Pekin Insurance – $404
    • GEICO – $488

    Top 3 Most Expensive Car Insurance Companies in Indiana

    • The Hanover – $1,870
    • Allstate – $1,378
    • Metropolitan Insurance – $1,367

    The cheapest car insurance company in Indiana is USAA, with an average annual premium of $374, while the most expensive one is The Hanover, with an average annual insurance premium of $1,870. We used general profiles to obtain our rates, so be sure to request personalized quotes to determine which carrier offers you the best value.

    Guide to Indiana Car Insurance

    • In Indiana, the person responsible for the accident must foot the medical bill.
    • Insurers can only cancel or refuse to renew policies for specific reasons
    • Minimum coverage requirements are 25/50/25, plus underinsured motorist bodily injury coverage of $50,000
    • Indiana Auto Insurance Plan available for people who are denied coverage

    Indiana Minimum Liability

    Liability represents “responsibility,” and determines up to what amounts your insurer will pay in a car crash. The minimum liability requirements in Indiana are:

    • Bodily injury: $25,000 per person and $50,000 per accident
    • Property damage: $25,000 per accident
    • Uninsured motorist injury: $50,000 per accident

    While these are the minimums, consider purchasing the most comprehensive coverage fitting within your budget. You’ll have to pay out of pocket for anything exceeding your policy limits.

    How We Found the Average Premium for Indiana Car Insurance Companies

    We worked with Quadrant Information Services to provide data on auto insurance rates by company and credit score. Quadrant makes this information available using rate data that insurers are required to file with the state Department of Insurance. Rates are based on sample profiles created by Reviews.com for comparative purposes. 

    Indiana Car Insurance Companies FAQ

    About the Authors

    Lorraine Roberte

    Lorraine Roberte Contributing Writer

    Lorraine Roberte is a South Florida-based personal finance writer. Her work has been published on sites such as Thrive Global, Elephant Journal, Red Tricycle and Tweak Your Biz.