Updated: April 21, 2026
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Travelers earns Indiana's top MoneyGeek score at 4.70/5, with minimum coverage at $35 a month and six add-ons including gap insurance and new car replacement.
GEICO earns a perfect 5.00/5 affordability score in Indiana with minimum coverage at $32 a month, the cheapest baseline rate among the three featured winners.
Auto-Owners ranks highest by MoneyGeek score in 8 of Indiana’s 10 most populous cities, and its perfect 5.00/5 customer experience score supports its consistent performance across the state.
Mark Fitzpatrick, Licensed Insurance Producer
I analyzed quotes from six Indiana insurers across every ZIP code in the state. Indiana's market is relatively affordable compared to neighboring states, requires UIM coverage alongside standard liability minimums, allows credit scoring in rate-setting, and features several regional insurers like Indiana Farmers and Grange competing with national carriers.
Affordability is weighted at 60% because rate is the primary driver for most Indiana drivers.
Customer experience accounts for 30%, based on J.D. Power scores, NAIC complaint ratios and Google reviews specific to Indiana.
Coverage options make up the remaining 10%, measuring the range of add-ons offered in Indiana.
Travelers ranks highest in my Indiana analysis, but GEICO is cheaper at baseline by $3 a month. The distinction is Travelers’ broader coverage options with six add-ons versus GEICO’s three, along with Auto-Owners’ perfect customer experience score, which creates three clearly differentiated picks for different driver priorities.
For rate-focused shoppers, my cheapest car insurance in Indiana analysis breaks down the lowest-cost options across every profile.
| Travelers | 4.7 | $35 | 2 | 1 |
| Auto-Owners | 4.6 | $32 | 1 | 5 |
| GEICO | 4.4 | $32 | 6 | 4 |
| Progressive | 4.2 | $45 | 4 | 2 |
| Indiana Farmers Insurance | 4 | $43 | 3 | 3 |
Travelers earns the top composite score in my Indiana analysis based on a combination of competitive rates and coverage options that hold up well across the profiles it wins. At $35 per month minimum for a clean-record adult, it’s within a few dollars of GEICO’s $32 and Auto-Owners’ $31 while offering six add-ons compared to their three and four, respectively.
Travelers wins young drivers ($77 per month minimum), seniors ($50 per month), new-car drivers ($34 per month) and the overall best-score designation for adult drivers.
On customer experience, Travelers ranks second among the Indiana insurers I analyzed, behind only Auto-Owners, which holds a perfect score in the state. Travelers ranked #1 on Insure.com’s satisfaction study, and its agent network earns high marks for claims responsiveness, which is relevant in Indiana, where spring tornado and storm season generates above-average comprehensive claim volume.
Its six add-ons include gap insurance, accident forgiveness, new car replacement and rideshare coverage, making it the most complete coverage option among the top scorers in the state.
Don’t pick Travelers if the absolute lowest monthly rate is the priority. GEICO’s $32 per month minimum is $3 cheaper for a clean-record adult, and it wins on rate for seniors and clean-record drivers. The difference is small, but it adds up over time.
GEICO earns the highest affordability score among the Indiana insurers I analyzed and holds the lowest rates I found for clean-record adults ($32 per month minimum) and seniors ($39 per month). For Indiana drivers whose primary need is the most competitive monthly rate and who file claims rarely, GEICO’s case is straightforward.
The trade-off is coverage depth and service quality. GEICO ranks sixth on customer experience among the Indiana insurers I analyzed, the lowest of the three featured winners. Unlike Travelers or Auto-Owners, which both operate through local agent networks with well-reviewed claims support, GEICO’s primarily phone and online model draws consistent consumer criticism for difficulty reaching live support.
Its three add-ons cover the basics only, with no gap insurance, accident forgiveness or new car replacement. For Indiana drivers who finance newer vehicles or expect to file claims, the $3 per month difference compared to Travelers may not justify the gap in coverage and service.
Don’t pick GEICO if you need gap insurance or a reliable claims experience. Auto-Owners holds a perfect customer experience score in Indiana and costs $31 per month minimum, which is $1 cheaper than GEICO for a clean-record adult. It also offers diminished value protection and a local agent network.
Auto-Owners wins the speeding ticket and accident categories in my Indiana analysis, earning the best overall score for those profiles based on a combination of competitive rates and a perfect customer experience score, the highest of any insurer I analyzed in the state.
At $38 per month minimum after a speeding ticket and $42 per month after an at-fault accident, it holds rates that are within range of the cheapest options while offering the highest level of service in the state.
Auto-Owners’ local agent model is its primary service advantage. It ranks #1 on U.S. News’ auto insurer rankings and draws very positive Reddit and consumer reviews, with policyholders often citing local agents who handle claims without requiring repeated follow-up. Its add-on options include diminished value protection, which is useful for violation-affected drivers whose vehicles may need repairs and who want to protect resale value.
For Indiana drivers managing a violation record who want both competitive rates and a claims experience they can rely on, Auto-Owners is the clearest recommendation.
Don’t pick Auto-Owners if you need gap insurance, accident forgiveness or rideshare coverage. Its four add-on options do not include any of the three. Travelers’ six add-ons include all three at $35 per month minimum for a clean-record adult.
For most Indiana drivers, I’d recommend Travelers. The 4.70/5 MoneyGeek score, six add-ons including gap insurance, and $35 a month minimum coverage make it the best all-around pick, and it leads the full scoring model for both adults and young drivers.
GEICO is the right call for clean-record drivers whose primary concern is the monthly payment. At $32 per month, it beats Travelers by $3, and the 4.40/5 score reflects genuine quality alongside the price advantage. Auto-Owners is the pick for anyone with a violation on their record.
The perfect 5.00/5 customer experience score, best rates after speeding tickets and accidents, and top city-level performance across 8 of Indiana’s 10 largest cities make it the clearest choice for drivers who want reliable service alongside competitive violation rates.
For DUI drivers, Progressive is the recommended pick based on its profile-level scoring and competitive post-DUI rates.
Compare coverage options and explore specialized guidance for Indiana drivers.
My Indiana profile analysis produced a distributed winner spread across six providers: Travelers, GEICO, Auto-Owners, Progressive, Indiana Farmers and Hastings each win at least one profile. Indiana requires UIM coverage alongside standard liability minimums and allows credit scoring, both of which add to baseline rates compared to states that require neither.
Non-featured insurers win several profiles, including bad credit and low income categories where Indiana Farmers ranks highest by MoneyGeek score and Hastings offers the cheapest rates.
Adult drivers (26 to 64), clean record | Auto-Owners | $31 | $80 |
Young drivers (16 to 25) | Travelers | $77 | $161 |
Senior drivers (65+) | Travelers | $50 | $97 |
After an at-fault accident | Auto-Owners | $42 | $103 |
After a speeding ticket | Auto-Owners | $38 | $96 |
After a DUI | Progressive | $50 | $83 |
Bad credit | Indiana Farmers Insurance | $62 | $131 |
Low income | Indiana Farmers Insurance | $43 | $92 |
Auto-Owners ranks highest by MoneyGeek score in 8 of Indiana’s 10 most populous cities, while Travelers ranks highest in Hammond and Lafayette. Auto-Owners’ perfect customer experience score drives its city-level performance across the state.
Indianapolis averages $57 per month, while Lafayette averages $46 per month, an $11 per month gap that reflects different local risk profiles. Rates vary by ZIP code, so a quote based on your address will reflect local traffic and claims data more accurately than a city-level average.
Carmel | Auto-Owners | 4.60 | $52 |
Evansville | Auto-Owners | 4.70 | $59 |
Fishers | Auto-Owners | 4.70 | $52 |
Fort Wayne | Auto-Owners | 4.60 | $53 |
Hammond | Travelers | 4.70 | $62 |
Indianapolis | Auto-Owners | 4.80 | $57 |
Lafayette | Travelers | 4.60 | $46 |
Muncie | Auto-Owners | 4.50 | $50 |
Noblesville | Auto-Owners | 4.70 | $51 |
South Bend | Auto-Owners | 4.60 | $54 |
Indiana has relatively affordable auto insurance, but the gap between GEICO’s $32 a month and Progressive’s $45 a month for minimum coverage adds up to $156 a year. That gap widens after violations, which makes comparison shopping more valuable for drivers with a record.
Indiana requires 25/50/25 liability coverage: $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. Indiana also requires underinsured motorist (UIM) coverage, which is not required in all states and which protects you when an at-fault driver's policy limits don't cover your full costs. Indiana is an at-fault state. Learn more about the cheapest car insurance options in Indiana to see how rates compare for your profile.
Indiana allows insurers to use credit scores in rate-setting. Poor credit can raise premiums by a wide margin. If your credit has improved recently, shopping for new quotes can capture meaningful savings. Check low income car insurance options in Indiana to compare rates and find the best fit for your budget.
Travelers offers six add-ons, including gap insurance for financed vehicles and new car replacement, at only $3 a month more than GEICO at baseline. For drivers with newer vehicles, that coverage difference often exceeds the premium difference in value. You can also look into home and auto bundle options in Indiana to see if bundling lowers your total cost.
Indiana has a diverse winner spread across profiles, with no single insurer leading every category. DUI drivers should look at Progressive. Drivers with violations should compare Auto-Owners. Drivers with bad credit or low income may find Indiana Farmers a better fit. Get quotes across multiple tiers to find the right match. SR-22 insurance requirements in Indiana also vary by situation, so it helps to review what applies to your case.
Indiana violations usually fall off your record after three years. A DUI surcharge or bad-credit rate can drop once those factors improve. Annual comparison shopping helps you capture those changes before your next renewal.
GEICO offers the cheapest minimum coverage among Indiana's featured insurers at $32 a month for a clean-record adult driver. Hastings offers cheaper rates for several profiles including bad credit and low income, though it is not among the featured reviewed insurers and its rates are drawn from the broader dataset rather than a full scoring review.
Indiana rates run below the national average, making it one of the more affordable states for auto insurance. Lower population density outside Indianapolis and moderate weather compared to neighboring states both contribute to the state's relatively low premiums.
Indiana requires 25/50/25 liability coverage: $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. Indiana also requires underinsured motorist (UIM) coverage. Indiana is an at-fault state, meaning the driver who causes an accident is financially responsible for damages.
Indiana requires underinsured motorist (UIM) coverage but not uninsured motorist (UM) coverage. UIM protects you when an at-fault driver's policy limits aren't enough to cover your costs. You can add UM coverage separately, which is worth considering given that a portion of drivers nationally carry only minimum coverage.
Yes. Indiana permits auto insurers to use credit scores in rate-setting. In my analysis, bad credit rates in Indiana were much higher than clean-record rates with the same insurer, making credit improvement one of the most effective long-term ways to lower your premium.
Auto-Owners ranks first for customer experience among Indiana’s analyzed insurers with a perfect 5.00/5 score. Travelers ranks second at 4.60/5. Both are good options for drivers who want reliable claims service support alongside competitive rates.
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.
