Cheapest Car Insurance in Indiana 2026

More than in most states, the cheapest car insurance in Indiana really depends on who you are. Auto-Owners Insurance ($32 per month) and GEICO ($65 per month) lead for the average adult driver buying a minimum or full coverage policy, respectively, but drivers of different ages and driving histories should look at various other options. For instance, families with teen drivers should get a quote from Progressive, while higher-risk drivers or those with some sort of violation on their record should look into Indiana Farmers, Hastings and Grange Insurance. 

How to Choose: If you're an adult driver with a good record, jump to our GEICO review and Auto-Owners Insurance review to find your best fit if you're looking for minimum or full coverage. Other drivers should examine the table below and click on the best fit to read more: families with a teen should see the cheapest options analyzed for their age groups and those with a violation on their record have various options to choose from. Each section describes which options available but also the possible alternatives, as no single insurer is cheapest across the state as a whole or even for similar types of drivers.

Minimum Coverage: Auto-Owners Insurance leads at $32 per month, with GEICO close behind at $33, meaning that drivers with a safe record looking for low coverage should get a quote with each. Even Travelers at $35 per month could be the cheapest option for certain drivers.

Indiana's minimum coverage limits are $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage, but those limits only cover the cost of damage for which you're liable to others, not injuries to yourself or damages to your own vehicle if you were at-fault. Uninsured/underinsured motorist (UM/UIM) coverage is included by default in every newly written Indiana policy unless rejected in writing, so minimum-coverage buyers do have protection for damage to their own vehicle if it's the fault of an uninsured/underinsured driver.

Full Coverage: We found that GEICO is the cheapest option at $65 per month, $41 below the national average for full coverage. In fact, there are several cheap options ranging from $68 to $79 per month, including Grange, Travelers, Progressive and Indiana Farmers. Although Auto-Owners was the cheapest for minimum coverage, it's the sixth-cheapest for full coverage, showing how important it is to shop with different insurers depending on how much coverage you need.

Indiana's tornado and hail exposure makes comprehensive coverage especially worth carrying for drivers in the southern and central parts of the state.

How to Choose: Coverage Breadth: Vehicles financed through a lender require full coverage by contract, so many drivers in the state are already required to get it. But most Indiana drivers without a financed car should also consider full coverage. The price gap between full and minimum is narrow for the amount of protection it provides. However, if you own your vehicle outright and it's worth less than $5,000, the annual cost of adding comprehensive and collision may approach or eventually exceed what the insurer would pay in a total loss. Use MoneyGeek's car insurance calculator for Indiana to find your break-even point, and see when to drop collision and comprehensive for guidance.

MoneyGeek recommends keeping the default UM/UIM coverage regardless of whether or not you get full or minimum coverage. Indiana's uninsured driver rate is among the higher rates in the Midwest, and UM/UIM covers your costs when the at-fault driver carries no insurance and can also cover your injury costs. See MoneyGeek's analysis of how much coverage fits your situation for a full breakdown of coverage decisions.

MoneyGeek found a general trend in car insurance rates for young drivers: Progressive tends to be cheaper among families with teens, while Travelers tends to be cheaper for families with drivers in their early twenties. 

Progressive is the cheapest carrier for Indiana teen drivers across both genders from ages 16 through 20. At age 16 and 17, Progressive comes in at $223 per month for females and $240 per month for males on a family policy — a $17 per month gap, or $204 per year, that closes by age 25. When drivers age to 21 year olds, Travelers takes over as the cheapest option up until age 24 for both genders, though Auto-Owners Insurance leads at 25 at $146 per month for both genders. 

The fact that the cheapest insurer changes depending on the youngest driver's age shows the importance of shopping across multiple insurers at least once per year. The cheapest insurer may change each year as insurers use different factors to calculate rates by age, and, in fact, the cheapest for you may be different than these insurers listed, though they are a great starting point for comparison shopping as the cheapest on average in the state.

GEICO is the cheapest car insurance for senior drivers in Indiana at $74 per month for full coverage and Travelers is next-cheapest at $96 per month. A difference of $22 per month gap, or $264 per year, is actually quite a large difference between the most affordable and second-most affordable, so senior drivers in Indiana should definitely get a quote from GEICO first, because its rate calculation methodology does not greatly penalize drivers for aging into their 60s and 70s. 

Just because GEICO is easily the cheapest for senior drivers doesn't mean you should only get a quote from them, however. There are dozens of factors aside from age that can affect your car insurance rates and one of these other insurers could be the cheapest for you.

It's not just living in Indiana that is a major factor affecting your car insurance rates: where you live in Indiana matters too, and it matters in some parts of the state more than others. For instance, the cost of car insurance only ranges between $58 per month in Carmel and $74 per month in Indianapolis, so the most extreme change that the average city-dwelling driver will see if they move is only $16. 

However, Gary is a clear outlier at $96 per month, $22 more than Indianapolis . The elevated rate reflects Gary's position as Indiana's highest-crime city for vehicle theft, combined with high uninsured driver rates. While other cities may have high rates due to traffic density, here the higher rates likely reflect the higher-risk insurance companies associated with the city.

Of all the many types of drivers in Indiana, MoneyGeek recommends that those with a driving violation in their history shop between insurance companies often to find their cheapest fit, as the four main driving violations all have different winners. And a fifth insurer was the cheapest for drivers with a poor credit score, another risk factor in the state. 

Indiana Farmers Insurance, an Indiana-based regional mutual, is the cheapest insurer after a speeding ticket at $90 per month. Hastings Insurance, a regional carrier, leads after an at-fault accident at $87 per month. Auto-Owners Insurance, another regional carrier, leads after a texting-while-driving conviction at $82 per month. But Progressive, a major national insurer, is the cheapest after a DUI at $84 per month. Indiana uses the SR-22 certificate for financial responsibility filings, and drivers with a serious violation should note that they may need to pay a fee to obtain the certificate.

Grange Insurance, an Indiana-based regional insurer, is the cheapest option for drivers with bad credit at $126 per month, $61 per month, or $732 per year, more than GEICO's good-credit rate of $65 per month. It may seem counterintuitive, but Indiana insurers place even more emphasis on poor credit scores than they do on driving violations, so drivers should note that they can really decrease their insurance rates over time by improving their credit score.

MoneyGeek analyzed rates from Quadrant Information Services across all residential ZIP codes in Indiana. The analysis covers 11 car insurance companies for minimum and full coverage comparisons and violation profiles.

• Baseline driver profile: 40-year-old male, clean driving record, good credit, $100,000 per person/$300,000 per accident/$100,000 property damage full coverage, $1,000 deductible. All rates on this page reflect this profile unless the section specifies otherwise.
• Young drivers: Ages 16 through 25 on a family policy, split by gender. Indiana uses gender as a rating factor.
• Seniors: 65-year-old driver, same vehicle and coverage as the baseline.
• Violations: Baseline profile with one driving record variable changed; all other variables held constant.
• Poor credit: Baseline profile with credit tier changed to poor. Indiana permits credit as a rating factor.
• Coverage tier: Full coverage reflects $100,000/$300,000/$100,000 liability limits with a $1,000 deductible. Minimum coverage reflects Indiana's required minimums: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage per Indiana BMV.
• USAA: Excluded from provider tables; available only to military, veterans, and immediate family. Eligible drivers should include USAA in any quote comparison.
• State-specific notes: Indiana is an at-fault state with no mandatory PIP. UM/UIM coverage is included by default in every newly written Indiana policy unless rejected in writing. SR-22 filing is required after qualifying convictions including DUI/OWI; filing period is three years following termination of suspension per Indiana Code § 9-30-6-12(b).

See my full rate methodology.