Travelers ranks as Indiana's best car insurance company with a MoneyGeek score of 4.67 out of 5, balancing strong customer service, affordable rates and comprehensive coverage options. Since insurance needs vary by driver, consider exploring Auto-Owners, Progressive, GEICO or Grange for your coverage.
Best Car Insurance in Indiana
Updated: September 2, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Indiana is Travelers, ranking first for customer satisfaction with strong affordability scores.
Progressive offers the best car insurance for drivers with a DUI in Indiana, while Indiana Farmers Insurance leads for drivers with bad credit.
Indiana drivers should determine their coverage needs first, research provider options and compare plenty of quotes to find their ideal insurance match.
Best Car Insurance Companies in Indiana
| Travelers | 4.67 | $53 | 2 | 5 |
| Auto-Owners | 4.62 | $57 | 1 | 6 |
| Progressive | 4.47 | $58 | 3 | 2 |
| GEICO | 4.43 | $49 | 6 | 7 |
| Grange | 4.40 | $52 | 10 | 3 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Indiana by Driver Profile
Auto-Owners leads in 4 out of 10 driver categories in Indiana, including adult drivers and those with accidents or speeding tickets. Travelers follows with 3 categories, while Indiana Farmers Insurance specializes in bad credit and low-income coverage.
| Young Drivers | Travelers | 2 | 2 | 5 |
| Adult Drivers | Auto-Owners | 5 | 1 | 6 |
| Senior Drivers | Travelers | 3 | 2 | 5 |
| Drivers With an Accident | Auto-Owners | 4 | 1 | 6 |
| Drivers With a DUI | Progressive | 1 | 3 | 2 |
| Drivers With a Speeding Ticket | Auto-Owners | 2 | 1 | 6 |
| Drivers With Bad Credit | Indiana Farmers Insurance | 2 | 5 | 6 |
| Drivers With Low Income | Indiana Farmers Insurance | 2 | 5 | 6 |
| Drivers With Newer Cars | Travelers | 1 | 2 | 5 |
| Drivers With Old Cars | Auto-Owners | 1 | 1 | 6 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Indiana Car Insurance Recommendations
Our recommendations offer a starting point, but your unique profile might match better with different Indiana insurance providers. Compare these top five companies to find coverage that fits your specific needs.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Indiana Farmers Insurance | 4.34 | $125 | 5 | 6 |
| Hastings Insurance | 4.25 | $68 | 11 | 8 |
| Grange | 4.24 | $140 | 10 | 3 |
| Auto-Owners | 4.18 | $277 | 1 | 6 |
| Travelers | 4.14 | $268 | 2 | 5 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Indiana Car Insurance Reviews
Read detailed service breakdowns for our top-rated insurance companies below.
Travelers
Best Overall in Indiana
MoneyGeek Rating
4.7/ of 5
4.8/5Affordability
4.6/5Customer Experience
3.9/5Coverage Options
Average Monthly Full Coverage Cost
$71For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$35For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
Auto-Owners
Best Customer Experience
MoneyGeek Rating
4.6/ of 5
4.6/5Affordability
5/5Customer Experience
3.4/5Coverage Options
Average Monthly Full Coverage Cost
$82For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$32For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Mechanical Breakdown Insurance
How to Find the Best Car Insurance in Indiana
Finding the best car insurance in Indiana can be difficult, so we've created this guide to help you find the right fit.
- 1
Decide on Coverage Needs Before You Buy
Know what coverage you need. Consider your driving habits, location and finances when deciding on auto insurance while meeting Indiana required minimums.
- 2
Research Average Costs and Discounts
Start by researching average car insurance costs in Indiana to understand typical pricing for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can provide additional savings on your premium.
- 3
Evaluate Provider Reputation and Coverage Options
Research customer experiences to avoid companies with poor claims handling and to find coverage options.
- 4
Explore Alternative Coverage Types
Consider specialized options like non-owner car insurance or pay-per-mile policies that might better suit your situation. If you need an SR-22 in Indiana, research carriers specializing in high-risk coverage.
- 5
Compare Multiple Quotes
Shop around to find the cheapest option possible for your coverage needs. Get quotes through different channels including independent agents, direct from providers and comparison websites to find the best rates.
- 6
Review Coverage Annually
Compare quotes and review your coverage needs yearly to find the best choice.
Best Indiana Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Travelers is the top-rated company overall, while Auto-Owners and Progressive are also good options for drivers in Indiana.
Best Auto Insurance in Indiana: FAQ
Your car insurance needs and preferences determine the best policy for you, so we've answered common questions to guide your choice.
What is the best car insurance company in Indiana?
Travelers ranks as the best car insurance company in Indiana, with an average monthly premium of $71 for full coverage.
What is the best car insurance company for minimum coverage in Indiana?
Auto-Owners ranks highest for minimum coverage in Indiana with an average rate as low as $385 per year.
What is the best car insurance in Indiana for young drivers?
Travelers provides the best insurance for young adults in Indiana, combining strong customer service with competitive rates at $77 per month for minimum coverage.
What is the best car insurance for Indiana drivers who value customer service?
Auto-Owners ranks highest for customer experience in Indiana with a score of 5 out of 5. The company excels in their purchasing experience, agent interactions, digital tools and claims handling process.
What is the best car insurance in Indiana if you have driving offenses?
Progressive stands as Indiana's leading auto insurer for drivers with violations, offering monthly rates of $50 for minimum coverage and $83 for full coverage policies.
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% of score): We look at quotes for different driver profiles and compare rates within Indiana. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): 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% of score): 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.