Best Car Insurance in Indiana (2026 Picks)

Top Rated Car Insurance Companies in Indiana

The top-rated car insurance companies in Indiana are:

Best Overall for Adult and Young Drivers: Travelers
Best Cheap: GEICO
Best for Drivers With a Violation: Auto-Owners

Why You Can Trust MoneyGeek

MoneyGeek's proprietary methodology identified Indiana's best car insurance by researching over 70 companies and analyzing actual quotes, verified customer reviews from trusted sources like J.D. Power, and coverage details. Our ratings prioritize what matters most: affordability (60%), customer experience (30%), and coverage options (10%).

Best Car Insurance Companies in Indiana

Travelers is the best car insurance company in Indiana, with a 4.6 out of 5 MoneyGeek score. It excels in affordability and customer service.

Travelers offers competitive rates with full coverage at $71 monthly. Drivers with clean records pay rates that run 7% below state averages.

GEICO leads in affordability with the lowest rates at $63 monthly for full coverage. Auto-Owners earns top marks for drivers with violations, combining competitive rates with perfect customer experience scores.

Our recommendations provide a starting point, but your age, driving record and coverage needs determine which provider offers the best value. Compare these top companies to find the insurer that best fits your profile.

Data filtered by:


Travelers	4.60	$71	4.70	4.60	3.90
Progressive	4.50	$71	4.70	4.10	4.80
Auto Owners	4.50	$80	4.40	5.00	3.40
Grange Insurance	4.50	$64	5.00	3.40	4.50
Geico	4.40	$63	5.00	3.80	3.00

*The rates above are based on a male driver insuring a 2012 Toyota Camry with good credit.

How much does car insurance in Indiana cost?

How much car insurance do I need in Indiana?

Best Overall Insurer in Indiana: Travelers

Travelers

Best Overall for Adult and Young Drivers

MoneyGeek Rating

4.5/ 5

4.7/5Affordability

4.1/5Customer Experience

4.8/5Coverage Points

Average Monthly Full Coverage Cost
$71
Average Monthly Minimum Coverage Cost
$35
Agent Service Score
4.2/5
Most Unique Coverage Add-On
IntelliDrive Plus Program

pros
- Ranks first overall among Indiana car insurance providers
- Ranks second for customer experience in the state
- Best choice for adult and young drivers
- Strong digital claims processing and mobile app features
cons
- Limited coverage options compared to top competitors
- May not offer most comprehensive policy add-ons
Travelers earns MoneyGeek's highest score (4.6 out of 5) among Indiana insurers. The company ranks first overall with strong performance across affordability, customer service and coverage options.

Travelers offers competitive rates for both clean-record drivers and those with violations. Indiana drivers get comprehensive coverage at rates 7% below the state average, saving about $90 annually.
Travelers offers competitive pricing for Indiana drivers. Adult drivers pay $71 monthly for full coverage. State minimum coverage costs $35 monthly.

Young drivers pay $161 monthly for full coverage. Senior drivers pay $97 monthly. Drivers with newer vehicles pay $70 monthly for full coverage.

The IntelliDrive telematics program can reduce premiums by up to 30% for safe driving habits. Multi-policy bundling saves 5% to 25% on combined coverages. Additional discounts include safe driver rewards and vehicle safety feature discounts.
Customer experience scores 4.6 out of 5, second among Indiana insurers. The mobile app receives positive reviews for claims filing, policy management and digital ID card access. Claims processing runs five to seven business days on average.

Local claim centers and adjusters throughout Indiana respond quickly to weather-related claims. The company offers 24/7 claims reporting with resolution times that beat industry standards. This proves valuable for Indiana drivers facing seasonal risks like hail damage and winter accidents.
Coverage options score 3.9 out of 5. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Indiana minimums (25/50/25) to 250/500/100. Deductibles flex from $250 to $2,000.

Travelers' features:
- IntelliDrive Plus Program: Telematics-based discounts for safe driving
- New car replacement: Full cost for vehicles totaled in crashes
- Accident forgiveness: First at-fault crash won't spike rates after qualifying period
- Gap insurance: Pays difference between car's value and loan balance
- Rental reimbursement: Daily coverage when your car's in the shop
- Roadside assistance: 24/7 towing, battery jumps and lockout services

Best Cheap Company in Indiana: GEICO

GEICO

Best Cheap

MoneyGeek Rating

4.4/ 5

5/5Affordability

3.8/5Customer Experience

3/5Coverage Points

Average Monthly Full Coverage Cost
$64
Average Monthly Minimum Coverage Cost
$33
Agent Service Score
4.2/5
Most Unique Coverage Add-On
Mechanical Breakdown Insurance

pros
- Ranks first for affordability among Indiana providers
- Mobile app offers convenient claims filing and policy management
- Best option for budget-conscious drivers seeking basic coverage
- Strong financial backing provides claim-paying reliability
cons
- Customer service experience lags behind top competitors
- Limited coverage options compared to full-service insurers
GEICO earns a 4.4 out of 5 MoneyGeek score and leads Indiana in affordability with a perfect 5.0 rating. The company offers the lowest rates at $63 monthly for full coverage while maintaining solid customer service ratings.

GEICO's digital-first approach provides fast quotes, streamlined claims processing and efficient policy management. Coverage options stay simpler than competitors, but the straightforward approach keeps costs down for budget-conscious drivers.
GEICO offers Indiana's most affordable rates. Adult drivers pay $63 monthly for full coverage. State minimum coverage costs $33 monthly.

Clean-record adults pay $55 to $70 monthly for full coverage. Young drivers pay $130 to $280 monthly.

Multi-policy bundles save up to 10%. Military discounts, good student discounts, federal employee discounts and vehicle safety features provide additional savings. GEICO's mechanical breakdown insurance offers extended coverage for newer vehicles.
Customer experience scores 3.8 out of 5. GEICO operates primarily through digital channels with phone support available 24/7 at 800-861-8380. Claims processing runs seven to 10 business days on average.

The mobile app provides claims filing, photo uploads and policy management. Digital tools reduce wait times for routine transactions. Phone support handles complex claims and policy questions, though automated systems may be less accommodating than traditional agent-based service during complicated situations.
Coverage options score 3.0 out of 5, reflecting GEICO's focus on essential protections rather than extensive add-ons. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Indiana minimums (25/50/25) to 250/500/100. Deductibles range from $250 to $2,000.

Coverage options:
- Mechanical breakdown insurance: Extended coverage for newer vehicles beyond manufacturer warranty
- Rental reimbursement: Daily coverage while your car's repaired
- Roadside assistance: 24/7 towing, battery, fuel and lockout service
- Emergency roadside service: Additional assistance programs for breakdowns

Best Insurer for Drivers with a Violation: Auto-Owners

Auto-Owners

Best for Drivers With a Violation

MoneyGeek Rating

4.5/ 5

4.4/5Affordability

5/5Customer Experience

3.4/5Coverage Points

Average Monthly Full Coverage Cost
$82
Average Monthly Minimum Coverage Cost
$32
Agent Service Score
Provider not found/5
Most Unique Coverage Add-On
True Blue Auto Coverage

pros
- Ranks second overall among Indiana car insurance providers
- Ranks first for customer experience in the state
- Best option for drivers with traffic violations
- Strong reputation for responsive claims handling and support
cons
- Limited coverage options compared to other major insurers
- Higher premiums than more affordable competitors in Indiana
Auto-Owners earns a 4.5 out of 5 MoneyGeek score and ranks as the best option for drivers with violations. The company combines competitive rates with a perfect 5.0 customer experience score, first among Indiana insurers.

Auto-Owners' mutual company structure focuses on policyholder service rather than shareholder profits. The company offers quality coverage options alongside competitive rates for drivers rebuilding after violations.
Auto-Owners offers competitive rates for Indiana drivers with violations. Adult drivers pay $80 monthly for full coverage. State minimum coverage costs $32 monthly.

Drivers with violations pay competitive rates compared to other major insurers. Clean-record adults pay $70 to $90 monthly for full coverage.

Multi-policy bundling saves around 10% to 15%. Good student discounts and safe driving programs provide additional savings. The mutual company structure means policyholders share in company profits rather than paying dividends to external shareholders.
Customer experience scores a perfect 5.0 out of 5, first among Indiana insurers. Auto-Owners maintains agents throughout Indiana who provide personalized support and claims assistance. Claims processing runs seven to 10 business days on average.

The mutual company structure focuses on policyholder service rather than shareholder profits. Local agents understand regional challenges like winter weather conditions and rural driving. Phone support handles claims and policy questions with typical wait times under five minutes.
Coverage options score 3.4 out of 5, reflecting Auto-Owners' focus on core protections rather than extensive add-ons. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Indiana minimums (25/50/25) to 250/500/100. Deductibles flex from $250 to $2,000.

Coverage options include:
- True Blue Auto Coverage: Enhanced protection package for qualifying drivers
- Rental reimbursement: Daily coverage when your car's in the shop
- Roadside assistance: 24/7 towing, battery, fuel and lockout help
- Loan/lease gap coverage: Pays difference between vehicle value and loan balance

How to Find the Best Car Insurance in Indiana

Finding the best car insurance in Indiana requires more than just clicking the first online quote you see. Your ideal coverage balances cost, protection and service quality, and that mix varies for every driver based on driving history, vehicle and budget.

1
Understand Indiana's insurance requirements
Before comparing car insurance quotes in Indiana, know what the state requires: $25,000 bodily injury coverage per person, $50,000 per accident and $25,000 property damage coverage. Indiana also requires uninsured motorist coverage at matching 25/50/25 minimum levels.

Most drivers need more than these minimums. If you own substantial assets or finance your vehicle, your lender will require comprehensive and collision coverage.

Think about what you're protecting. A 12-year-old sedan with high mileage probably doesn't need collision coverage. Skipping comprehensive on a $30,000 vehicle could cost you thousands in one incident.
2
Research average costs
Full coverage car insurance in Indiana costs $800 to $1,200 per year. Your actual rate depends on your age, driving history, credit score, location and vehicle.

Use this range as a baseline. Quotes over $1,800 annually for basic coverage with a clean record indicate you're probably overpaying.

Your ZIP code affects your rate; urban areas like Indianapolis and Fort Wayne cost more. So do your vehicle's safety ratings, annual mileage and even your education level with some insurers.
3
Find discounts you qualify for
Indiana drivers can tap into several car insurance discounts. Bundling multiple policies often saves up to 25%. Good student discounts reward young drivers who maintain B averages.

Usage-based insurance programs track your actual driving habits. Travelers' IntelliDrive can save safe drivers up to 30% annually. Ask about vehicle safety discounts if your car has anti-theft systems, airbags or electronic stability control.
4
Compare insurance companies, not just prices
Affordable car insurance means more than finding the lowest premium. A $45 monthly policy with minimal coverage and poor claims handling isn't cheaper than a $60 policy from an insurer known for fast, fair settlements.

Read customer reviews about claims experiences. Check financial stability ratings from AM Best. Look at coverage options. Travelers leads Indiana insurers with strong performance across affordability, customer service and coverage. GEICO maintains competitive pricing with efficient digital tools.
5
Compare quotes through multiple means
Get car insurance quotes from at least three to five companies. Use direct insurer websites, independent agents and online comparison tools.

Independent agents often access regional insurers not available through comparison sites. Auto-Owners and Travelers, for example, work through local agent networks.

Provide the same information to every insurer. Otherwise, you're comparing different products instead of finding the best price for identical coverage.
6
Review your policy every year
Car insurance prices change constantly. Companies update rates and underwriting standards throughout the year. Set a calendar reminder to review your coverage and get new quotes annually. Last year's best deal might not be competitive today.

Life changes impact your rates, too. Buying a home, paying off your car loan, adding a young driver or moving all affect what you pay. Many drivers overpay by keeping coverage they no longer need or by failing to switch car insurance companies.

Best Car Insurance Coverage in Indiana

State minimums often don't provide enough financial protection for real accident costs. Indiana ranks 24th nationally for traffic safety, with around 216,050 accidents occurring annually.

An emergency room visit costs roughly $3,300 on average nationwide. A severe trauma case at an Indianapolis, Fort Wayne or Evansville hospital costs up to $100,000. Vehicle repairs after moderate collisions usually run over $500, with serious damage costing thousands more.

Minimum coverage won't cover you if you cause a multi-vehicle accident on I-65, I-70 or I-94. Lawsuits will drain your savings and garnish your wages.

Indiana's 13.6 traffic deaths per 100,000 residents exceeds the national average, while the state's 16.7% uninsured driver rate means roughly one in six drivers operates without required coverage. These factors make robust liability coverage and uninsured motorist protection valuable for Indiana drivers.

MoneyGeek recommends these coverage levels for Indiana drivers:

Liability: 100/300/100 ($100,000 per person, $300,000 per accident, $100,000 property damage) costs just $20 to $30 more monthly than Indiana's 25/50/25 minimums and covers most Indiana drivers adequately.

Drivers with substantial assets (homeowners, business owners or high earners) should choose 250/500/100 limits. This costs $35 to $50 more monthly than minimums but covers your assets if you cause a serious accident. Indiana's above-average traffic fatality rate makes higher liability limits worth the cost.

Comprehensive and Collision: Add full coverage if your vehicle is worth more than $4,000 or carries a loan. Choose $500 or $1,000 deductibles based on your emergency savings—a $500 deductible costs $25 to $35 more monthly than $1,000 but lowers your out-of-pocket costs after incidents.

Comprehensive coverage matters in Indiana, where hail damage affects thousands of vehicles annually and vehicle theft rates in Indianapolis exceed national averages. Collision coverage protects you in heavy traffic areas where accident rates climb during peak tourist season around Lake Michigan and in congested urban corridors. Rural drivers face additional risks from deer-related accidents.

Uninsured/Underinsured Motorist: Indiana requires this coverage at 25/50/25 minimum levels, but you should match these limits to your liability coverage. With roughly 1.1 million uninsured drivers on Indiana roads (16.7% of all motorists), higher protection becomes essential when at-fault drivers can't pay for your damages. Underinsured coverage fills gaps when responsible parties carry only minimum limits insufficient for your medical bills and vehicle repairs.

Medical Payments: $5,000 to $10,000 covers immediate medical expenses after accidents regardless of fault. In Indiana's at-fault system, this coverage pays quickly without waiting for liability determinations. You avoid out-of-pocket costs while claims work through the legal process.

Medical payments coverage costs $15 to $25 monthly for $5,000 in protection, which is worth it given Indiana's traffic risks.

Additional Coverage to Consider: Rental reimbursement ($30 to $50 daily) covers transportation costs while your car is in the shop. Roadside assistance provides towing, battery service and lockout help for $15 to $25 annually.

Gap insurance matters if you owe more on your vehicle loan than the car's current value. It protects you from paying thousands out of pocket if your financed vehicle gets totaled.

Finding the Best Car Insurance Rates in Indiana

Indiana's competitive insurance market keeps car insurance rates affordable for most drivers. State minimum coverage costs just $34 monthly, ranking Indiana first nationally for affordable basic coverage.

Full coverage runs $36 more monthly than the state minimum. Average premiums hit $70 monthly for full coverage with a $1,000 deductible, 31% below the national average.

Compare your quotes with these averages using the table or our Indiana car insurance calculator.

Data filtered by:


Clean	$34	$70	1
Not At Fault Accident ($1000-$1999 Prop Dmg)	$34	$78	2
Speeding 11-15 MPH over limit	$43	$92	4
At Fault Accident ($1000-$1999 Prop Dmg)	$45	$96	7
Texting While Driving	$46	$96	3
DUI - BAC >= .08	$61	$129	10

HOW VIOLATIONS AFFECT YOUR RATES IN INDIANA

DUI violations crush Indiana drivers with 86% premium increases plus mandatory SR-22 filing requirements. Texting while driving and at-fault accidents both spike rates by 37%, adding $26 monthly to full coverage policies. These violations significantly impact your wallet beyond initial fines.

Best Indiana Auto Insurance: Bottom Line

Travelers ranks first for most Indiana drivers with a 4.6 overall score, balancing competitive rates ($71 monthly full coverage), strong customer service and comprehensive coverage options. Your priorities determine the best choice: GEICO offers the most affordable rates at $63 monthly for drivers with clean records, and Auto-Owners excels for drivers with violations through competitive rates and perfect customer experience scores.

Compare quotes from at least three insurers. Your age, driving record and coverage needs determine which company offers the best value, as rates vary widely by driver profile.

Best Auto Insurance in Indiana: FAQ

Finding suitable car insurance depends on your unique circumstances. Answers to frequently asked questions guide you toward appropriate coverage options.

What do I need to get car insurance in Indiana as a new resident?

New Indiana residents need a valid driver's license, vehicle registration and VIN for each vehicle. Most insurers require your Social Security number to check your credit score, which affects your rate.

You must get coverage within 30 days of establishing residency. You'll also need to provide your five-year driving history, including any accidents and violations.

Transferring from another state? Update your existing policy to meet Indiana's minimum requirements of 25/50/25 rather than starting with a new insurer.

Can I drive in Indiana with out-of-state insurance?

You can drive temporarily with valid out-of-state insurance. If you establish residency (get a job, register to vote or stay more than six months), you must get Indiana insurance within 30 days.

Your out-of-state policy must meet Indiana's minimum requirements of 25/50/25. Military members stationed in Indiana can keep their home-state insurance but should verify that their policy meets state standards.

What happens if I get caught driving without insurance in Indiana?

Driving without insurance results in immediate license suspension for up to 90 days for first-time offenders. You'll face reinstatement fees of $250 to $1,000 and a $500 civil penalty. Subsequent offenses within three years increase penalties to $1,000. You'll need SR-22 certification for three years, substantially increasing insurance costs. If you cause an accident while uninsured, you're personally liable for all damages and medical expenses with no insurance protection.

How do I switch car insurance companies in Indiana?

Purchase your new policy before canceling coverage to avoid gaps that trigger license suspension. Start your new policy the same day or the day after your old policy ends. Request cancellation in writing from your current insurer with your policy number and cancellation date. Most Indiana insurers don't charge cancellation fees for policies over six months old. You'll receive prorated refunds for any unused coverage paid in advance.

Does Indiana offer car insurance discounts for military members?

Most Indiana insurers offer military discounts ranging from 4% to 15% for active-duty members, veterans and military spouses. USAA, GEICO, Navy Federal and Armed Forces Insurance specialize in military coverage. Ask about storage discounts during deployment, emergency payment extensions, military defensive driving course discounts and waived deductibles for vehicles damaged during deployment.

How We Rated the Best Car Insurance in Indiana

We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Indiana. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.

Here's how we score each company:

Affordability (60%): We looked at quotes for different driver profiles and compared rates within Indiana. Our main rating is based on a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also checked other combinations to ensure you find the right fit.
Customer experience (30%): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Indiana-specific feedback to get an accurate score.
Coverage options (10%): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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