BestCar InsuranceIndianaBest Car Insurance in Indiana (May 2023)
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If price is your primary concern, checking out the cheapest car insurance in Indiana is your best bet.
But, if you're more interested in overall quality, American Family is Indiana's best car insurance provider for full coverage, young adults, seniors and those with poor driving records.
Indiana drivers may have other insurance needs, though. For minimum coverage and top-notch customer service, Westfield is the leader. Travelers is the best choice for new car owners. USAA is the ideal option for military personnel and their families.
BestCar InsuranceIndianaBest Car Insurance in Indiana
Best Overall - American Family Insurance
Best for Service - Westfield
Best for Minimum Coverage - Westfield
Best for Young Adults - American Family Insurance
Best for Seniors - American Family Insurance
Best for Driving Offenses - American Family Insurance
Best for New Cars - Travelers
Best for Military - USAA
Best Overall for Car Insurance in Indiana
American Family is the overall best car insurance provider in Indiana. MoneyGeek's top two picks for auto insurance in Indiana are:
- American Family: MoneyGeek score of 90 out of 100 ($555 per year)
- Westfield: MoneyGeek score of 89 out of 100 ($684 per year)
In Indiana, two of the top-rated auto insurance providers are American Family and Westfield. These companies have high ratings based on their competitive prices and quality customer service.
If you want to save money on full coverage auto insurance, MoneyGeek reviewed the providers with the most affordable full coverage auto insurance in Indiana
MoneyGeek Top Pick
COMPANY HIGHLIGHTS
American Family Insurance offers affordable rates and stellar customer service, making it the best choice for auto insurance. The annual average price of their coverage is $555 or $46 per month, making it the most affordable provider in Indiana.
On top of this, it has rarer options like Original Equipment Manufacturer (OEM) coverage.
American Family has a comprehensive selection of coverages at good rates and with top-notch customer service.
It also has special coverages like auto death indemnity, which could help pay for costs if a car accident results in death or certain injuries, regardless of who's at fault.
With a five-year accident-free and violation-free record, policyholders may even be eligible for accident forgiveness, making them a superb option if you want high-quality, affordable service.
MoneyGeek Runner-Up
COMPANY HIGHLIGHTS
Westfield is known for its outstanding affordability and coverage options. It's one of the most cost-efficient insurers in Indiana, with an average annual premium of $684.
Westfield offers a variety of additional coverages to help drivers lower their risk and safeguard their vehicles. These include a special Coverage Package, roadside assistance, rental car and/or travel reimbursement and gap insurance.
The Coverage Package provides extra protection when you package your home and auto insurance with Wespak policy. It offers additional value, such as loan/lease coverage, trip protection coverage and replacement cost coverage. Its roadside assistance provides 24/7 emergency service if you’re stranded on the road. It covers fuel delivery, locksmith service, towing and more.
How the Best Insurers in Indiana Rank: MoneyGeek Scores and Costs
American Family was the clear victor among the 12 insurers assessed in Indiana, outperforming its competitors in affordability and earning an impressive MoneyGeek score of 92.
Its annual rates are estimated to be the cheapest at $555.
Westfield followed closely behind with a MoneyGeek score of 91 and an average rate of $684.
Though there are more than 12 car insurance providers in Indiana, insurers need to have enough data in all scoring areas to include them in a reasonable and fair way.
Best Car Insurance in Indiana for Customer Service
Westfield offers the best customer service for car insurance in Indiana. It's closely followed by Auto-Owners Insurance, with them scoring:
- Westfield: MoneyGeek score of 91 out of 100 ($684 per year)
- American Family: MoneyGeek score of 90 out of 100 ($555 per year)
Westfield achieved top marks in customer satisfaction and claims management, surpassing American Family in satisfaction. Its rates are comparatively low, at only $684 a year. This can make it an ideal choice if you want a combination of quality service and value for your money.
pros
Ranks number 2 for customer satisfaction
Ranks number 2 for claims management
Offers roadside assistance coverage
cons
Lacks Original Equipment Manufacturer (OEM) Coverage
No accident forgiveness coverage
COMPANY HIGHLIGHTS
When it comes to customer satisfaction, Westfield stands out with a higher rating than Auto-Owners Insurance. This makes Westfield a great pick if you value customer treatment above all other factors.
On the other hand, Auto-Owners Insurance offers cheaper rates than Westfield.
What Makes an Insurer the Best for Customer Service?
Westfield rated highest for customer satisfaction in the MoneyGeek scoring system, with a score of 91 out of 100.
This evaluation used information from J.D. Power and customer reviews. We focused on the insurer's claims processing, prompt and effective responses to customer queries, dedication to resolving customer problems, and overall helpfulness.
Best Car Insurance in Indiana for Minimum Coverage
For Indiana residents seeking the best insurance coverage meeting the state's minimum requirements, Westfield is the recommended choice. Our top two in this area are:
- Westfield: MoneyGeek score of 93 out of 100 ($258 per year)
- Auto-Owners Insurance: MoneyGeek score of 93 out of 100 ($228 per year)
Westfield balances affordability and quality service to emerge as the best minimum car insurance coverage for Indiana drivers.
While minimum coverage policies cost the least, they're limited in protection for liability expenses and don't include any coverage for damage to your car.
pros
Ranks number 1 for affordability
Ranks number 1 for claims management
Offers roadside assistance
cons
Lacks Original Equipment Manufacturer (OEM) Coverage
No airbag reinstallation coverage
COMPANY HIGHLIGHTS
Auto-Owners Insurance is the top choice for affordability and claims management. It has the lowest annual premium at $228 per year, making it $30 cheaper than the second-cheapest provider, Westfield.
It provides several discounts to help you save money on your premiums, such as bundling, multiple car and safe driving.
What makes Auto-Owners Insurance even more attractive is its anti-lock brakes discount. This discount can help drivers save a considerable amount on their premiums.
What Makes an Insurer the Best for Minimum Coverage?
Westfield stood out among its competitors, getting fairly high MoneyGeek scores for affordability and claims management.
This is supported by the data from J.D. Power and other customer satisfaction surveys, which measure the quality of customer service provided by insurance companies.
Best Car Insurance in Indiana for Young Adults
American Family is the top choice for young adults looking for the best car insurance company. Our top picks are
- American Family: MoneyGeek score of 92 out of 100 ($598 per year)
- Westfield: MoneyGeek score of 88 out of 100 ($889 per year)
If you're a young driver in Indiana and want to save on car insurance, you should compare different providers to find the most affordable one. While you may be charged more than older drivers, you likely still pay less than teens.
pros
Ranks number 1 for affordability
Ranks number 2 for claims management
Offers good and distant student discounts
cons
Lacks deductible modification coverage
COMPANY HIGHLIGHTS
American Family emerged as the top pick for Indiana's young adult drivers. It's not only economical, but its customer service is also highly rated.
If you're in college, you could take advantage of the insurer's good student discounts. This helps successful students get lower rates.
American Family is the best for affordability. Plus, it provides rare coverage, such as OEM, to ensure no aftermarket parts are used to repair your car.
What Makes an Insurer the Best for Young Adults?
Young adults often have to pay higher premiums for insurance. To maximize savings and get reliable service and coverage, it's important to look for companies with discounts for drivers ages 25 and under.
American Family is a good option as it offers low rates, essential coverages and discounts for young adults.
Best Car Insurance in Indiana for Seniors
Senior drivers can generally count on American Family Insurance for the best coverage. Our research found these as the highest-rated insurers for Indiana drivers aged sixty and over:
- American Family: MoneyGeek score of 90 out of 100 ($540 per year)
- Westfield: MoneyGeek score of 89 out of 100 ($655 per year)
American Family offers the second-cheapest premiums and was ranked second highest in claims management among 12 insurers. Rates for drivers in their 60s are comparable to those in their 30s to 50s. But, they tend to increase once you reach your 70s.
pros
Defensive driving discount
Ranks number 2 for affordability
Autopay discount available
Offers accident forgiveness coverage
cons
Lacks total loss deductible waiver
No antique or classic car insurance
COMPANY HIGHLIGHTS
American Family proves to be the best option for senior drivers in Indiana, as it provides the second most competitive rates of 12 insurers. It also has discounts making its premiums more affordable, such as multi-car and automated payment discounts.
Not only does it offer competitive rates, but customer satisfaction surveys from J.D. Power also show American Family is highly rated.
What Makes an Insurer the Best for Seniors?
Seniors are renowned for being safe drivers, but they're statistically more prone to serious injury in car accidents. When selecting a car insurance provider, seniors should look for companies with full coverage policies at an affordable price that include personal injury protection (PIP).
To help lower premiums, American Family offers discounts seniors could take advantage of.
Best Car Insurance in Indiana for Drivers With Offenses
Drivers with infringements on their records - such as speeding, an at-fault accident or a DUI - get the best value from American Family.
We recommend these insurers based on their prices and high levels of customer service:
- American Family: MoneyGeek score of 92 out of 100 ($715 per year)
- State Farm: MoneyGeek score of 90 out of 100 ($725 per year)
American Family proved to be the most affordable car insurance provider out of 12 competitors. It also ranked sixth for customer satisfaction.
In Indiana, rates tend to increase significantly after a traffic offense: on average, drivers pay $174 more after a speeding ticket, $338 after an at-fault accident and $424 after a DUI. So, it's essential for drivers to find an affordable insurance provider, whether an incident has already occurred or not.
pros
Offers the cheapest premium at $715 per year
Ranks number 3 for claims management
cons
Lacks drivers education discounts
COMPANY HIGHLIGHTS
American Family provides cost-effective full coverage premiums for Indiana drivers with poor driving records. It also has good customer service and an above-average score for claims.
In addition, American Family offers accident forgiveness, roadside assistance and rental car coverage as add-ons. These could help all sorts of drivers.
What Makes an Insurer the Best for Drivers With Offenses?
High-risk drivers can often be subject to higher premiums if they can find a company to work with. If they can find an insurance company to insure them, they may be able to get lower rates and discounts.
American Family is a great option for Indiana drivers with spotty records. It offers accident forgiveness, has numerous discount opportunities and is more affordable than its competitors. The biggest downside is American Family doesn't have new or better car replacement coverages.
Best Car Insurance in Indiana for Drivers With New Cars
MoneyGeek's analysis of insurers offering new car replacement coverage has revealed Travelers is the best option for drivers with new cars. Below are our top picks:
- Travelers: MoneyGeek score of 91 out of 100 ($879 per year)
- Farmers: MoneyGeek score of 87 out of 100 ($966 per year)
Travelers stands out from its competitors with the most affordable premiums and excellent customer service for those with new cars. Those motorists can benefit from having additional coverage for a new or better car if their current vehicle is totaled in a covered accident.
This coverage can make it easier to get a brand-new car of the same make and model. Opting for better car replacement coverage will even allow you to acquire a newer car of the subsequent model year.
pros
Average claims management score
Offers new car replacement
Cheapest insurer at $879 per year
cons
Doesn’t offer rare coverages such as OEM
COMPANY HIGHLIGHTS
After conducting an extensive review of the 2022 J.D. Power reports and the NAIC customer complaint index, we determined Travelers offers the best auto insurance for drivers with new cars.
While their claims management ratings were average, Travelers compensates with high customer satisfaction scores. Its new car replacement coverage provides drivers with financial protection in case of accidents causing total car damage.
What Makes an Insurer the Best for Drivers With New Cars?
If you're a new car owner looking for insurance, affordability and claims management should be taken into consideration. Look into insurers with new or better car replacement coverage, which can safeguard drivers financially if their cars are destroyed in a collision.
In Indiana, Travelers is an excellent choice for new car owners to begin with, and it offers new car replacement coverage.
Best Car Insurance in Indiana for Military Drivers
With a MoneyGeek score of 94 out of 100, USAA emerged as the best auto insurance provider for military personnel and families in Indiana. It offers exclusive discounts to active military members, veterans and their families.
USAA is renowned for its affordability, outstanding customer service and claims handling, as well as specialized products tailor-made for the military.
pros
Ranks first for customer satisfaction
Cheapest rate at $453 per year
Offers accident forgiveness add-on coverage
cons
Not widely available to non-military personnel
Doesn’t offer OEM coverage
COMPANY HIGHLIGHTS
USAA is the ideal car insurance provider for active-duty military members, veterans and their families. It has tailored coverages like rental car reimbursement and accident forgiveness for those with a clear driving record.
It earned an outstanding 85 out of 100 from MoneyGeek, with the highest ratings for customer satisfaction and affordability. The typical USAA customer pays $453 a year in premiums, making it the most economical car insurance provider in Indiana.
How to Find the Best Car Insurance in Indiana for You
When evaluating car insurance providers in Indiana, consider cost, customer service and financial strength. MoneyGeek's guide provides resources to help you make an informed decision and get the best deal.
By following these steps, you can find the best car insurance policy for your needs.
1
Research customer service reputations in Indiana
Using data from J.D. Power's customer satisfaction study and the NAIC customer complaint index, MoneyGeek found the top customer service providers in Indiana. These two respected independent sources can help you evaluate an insurer's track record.
You can find additional details about a company on the Indiana Department of Insurance's website.
2
Compare quotes
Comparing quotes from multiple insurers is an excellent way to get an estimate of how much your car insurance will cost. MoneyGeek's quotes provide an average for sample drivers in Indiana, but your rates may differ depending on the factors used to calculate your premiums. Obtain quotes from at least three insurers for the most accurate assessment.
3
Find the coverages you want in Indiana
Look over your chosen insurer's website to check out the state-specific coverages and discounts. Then, reach out to the insurer to ensure the online offers are accurate.
4
Check financial stability ratings
An insurance company's financial stability rating can indicate its ability to pay out claims. Usually, auto insurance providers are large, diversified entities with a low risk of going under. But, it's wise to review smaller, regional insurers' ratings before buying a policy from them, as they tend to have a lower financial stability rating.
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FAQs About the Best Car Insurance in Indiana
Here, MoneyGeek answers the most frequently asked questions to help you determine the best Indiana car insurer for you.
About Mark Fitzpatrick
