Cheapest Car Insurance in Indiana for 2026

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Updated: May 6, 2026

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Indiana ranks 8th most affordable of 50 states at $84/month for full coverage, 31% below the national average. GEICO is cheapest for full coverage at $63/month. Indiana Farmers, a regional Indiana insurer, is cheapest for young drivers on family policies at $219/month for girls and $236/month for boys at age 16. Progressive is cheapest for DUI at $83/month, the lowest absolute DUI rate in this analysis.

Cheapest in Indiana by coverage type

Cheapest by city

Cheapest by driver age

Cheapest by driving record and credit score

MoneyGeek analyzed 11 companies in Indiana. Our baseline is a 40-year-old driver with a clean record and good credit, for a 100/300/100 full coverage policy with a $1,000 deductible.

Indiana Farmers, Hastings and Grange are regional carriers. Uninsured/underinsured motorist coverage is offered on all new policies but declinable in writing.

Gender is a rating factor in Indiana. Data are from Quadrant Information Services.

See our methodology.

Cheapest Minimum and Full Coverage Car Insurance in Indiana

GEICO is cheapest for full coverage at $63/month and Hastings, a regional Midwest insurer, is cheapest for minimum coverage at $30/month. Picking GEICO over Allstate saves $58/month ($696 a year). Allstate is the most expensive full coverage option at $121/month among providers analyzed and ranks outside the five lowest-cost providers in the full Quadrant Information Services dataset.

Indiana's minimum coverage requirement is 25/50/25: $25,000 per person bodily injury, $50,000 per accident and $25,000 property damage. Indiana is an at-fault state with no mandatory PIP. UM/UIM is offered on every new policy but can be declined in writing. Minimum coverage pays the other party's costs when you're at fault and nothing for your own medical costs.

Hastings Insurance
$30
$73
Auto-Owners
$31
$80
GEICO
$32
$63
Travelers
$35
$71
Grange Insurance
$36
$64

Indiana's minimum coverage requirement is 25/50/25 with no mandatory PIP, and UM/UIM is declinable in writing. Allstate has the most expensive full coverage rate in the Quadrant Information Services dataset at $121/month but doesn't appear in the top-five table, which shows only the five lowest-cost providers. The statewide average minimum coverage rate of $40/month is calculated across all providers in the dataset, not only the five shown.

Cheapest Car Insurance by City in Indiana

The cheapest provider varies by city in Indiana. GEICO is cheapest in Indianapolis, Evansville, Hammond and Lafayette. Grange is cheapest in Carmel, Fishers, Fort Wayne and Noblesville. Hastings is cheapest in Muncie and South Bend. Hammond and Indianapolis tie as the most expensive cities at $72/month.

Lafayette and Muncie tie as the cheapest cities at $54/month, an $18/month ($216 a year) gap versus Hammond and Indianapolis. Hammond sits in the Chicago metro's southern orbit, where high traffic density and accident frequency push rates up. Lafayette has lower traffic density and a smaller urban footprint.

The Indianapolis suburbs of Carmel ($55/month), Fishers ($58/month) and Noblesville ($56/month) are all cheaper than Indianapolis ($72/month), all led by Grange. Compare car insurance options when relocating within Indiana.

City
Cheapest Provider
Monthly Full Coverage Rate

Indianapolis

GEICO

$72

Fort Wayne

Grange Insurance

$58

Evansville

GEICO

$70

Carmel

Grange Insurance

$55

Fishers

Grange Insurance

$58

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MONEYGEEK EXPERT TIP

"Indiana is one of the few states where five different providers are cheapest across five different violation categories. That means there's no single safe default. Indiana Farmers for speeding, Hastings for at-fault and bad credit, Progressive for DUI, Auto-Owners for texting. You have to know your profile before you shop. The worst move is defaulting to GEICO after a DUI: its $142 a month rate is $79 more than Progressive's $83. In a state this affordable, that gap is the difference between the cheapest and most expensive option in the top five." 

— Mark Fitzpatrick, Licensed Property and Casualty (P&C) Insurance Producer in Connecticut

Cheapest Car Insurance by Age in Indiana

Indiana Farmers is cheapest for young drivers on family policies at age 16, at $219/month for girls and $236/month for boys. Teens under 18 cannot legally purchase auto insurance without a parent or guardian as a co-signer in most cases, so these rates reflect family policies. GEICO takes over from age 17 and leads through most of ages 17 to 25, with Progressive cheapest at age 20. For seniors, GEICO is cheapest at $72/month. The table below shows how car insurance rates change by age.

Young Adult Drivers (Standalone)
Indiana Farmers Insurance
—
Teen Drivers (16, Female, Family Policy)
Indiana Farmers Insurance
$219
Teen Drivers (16, Male, Family Policy)
Indiana Farmers Insurance
$236
Seniors (65+)
GEICO
$72

Cheapest Car Insurance for High-Risk Drivers in Indiana

Indiana Farmers is cheapest for speeding tickets at $87/month. Hastings is cheapest for at-fault accidents at $75/month and bad credit at $116/month, essentially tied with Grange at $118/month. Progressive is cheapest for DUI at $83/month. Auto-Owners is cheapest for texting while driving at $80/month. Five different providers are cheapest in five categories, and no single provider is best across all high-risk profiles.

Most violations affect rates for three years. GEICO's DUI rate of $142/month is $79 above its clean-record rate of $63/month, far above Progressive's DUI rate of $83/month. After a DUI, Indiana requires an SR-22 filing.

Profile
Cheapest Provider
Monthly Rate

Speeding ticket

Indiana Farmers Insurance

$87

At-fault accident

Hastings Insurance

$75

DUI

Progressive

$83

Texting while driving

Auto-Owners

$80

Bad credit

Hastings Insurance

$116

How to Get the Cheapest Car Insurance in Indiana

Indiana's cheapest insurer depends heavily on your driver profile. Regional carriers like Hastings Mutual and Indiana Farm Bureau beat national options in several categories, including bad credit, young drivers and speeding tickets. You can lower your rate by matching coverage to your vehicle's value and timing a new quote search after a violation clears.

  1. 1

    Check Indiana Farmers for young drivers and speeding tickets

    Indiana Farmers is the cheapest option in both the young driver and speeding ticket categories but doesn't appear in the top five for adult clean-record full coverage, making it easy to overlook when shopping.

  2. 2

    Use regional insurers for bad credit

    Hastings ($116/month) and Grange ($118/month) both undercut GEICO ($219/month) by a wide margin for drivers with bad credit. National carriers are not competitive in this category in Indiana.

  3. 3

    Match coverage to vehicle value

    Full coverage averages $84/month in Indiana. Figure out how much car insurance you need to avoid paying for unnecessary coverage on older vehicles.

  4. 4

    Add UM/UIM even though it's not required

    Indiana allows drivers to decline uninsured/underinsured motorist (UM/UIM) coverage in writing, but approximately 13% of Indiana drivers are uninsured according to the Insurance Research Council. Declining UM/UIM leaves you with no coverage if an uninsured driver causes an accident.

  5. 5

    Enroll in a telematics program

    GEICO DriveEasy and Progressive Snapshot reward safe driving with premium discounts based on actual driving behavior. Confirm current discount amounts directly with each carrier.

  6. 6

    Bundle home and auto policies

    Bundle home and auto policies in Indiana with the same carrier to save on both, but confirm current discount amounts before you commit.

  7. 7

    Take a defensive driving course

    Indiana BMV-approved defensive driving courses may qualify drivers for discounts at participating insurers. Confirm eligibility and current amounts with your carrier.

  8. 8

    Re-shop when violations age off

    Most violations affect Indiana auto insurance rates for three years. The cheapest insurer after a violation clears may differ from the cheapest insurer before it, so re-shopping at the three-year mark is worthwhile.

What Does Minimum Coverage Actually Protect You From in Indiana?

Indiana's 25/50/25 minimums are among the more balanced in the country, with bodily injury at the national median and property damage at a level that at least clears the floor most states set. What's also worth looking at closely is who's on the other side of the crash. Roughly 1 in 7 Indiana drivers carries no insurance at all, one of the higher uninsured rates nationally. Every new Indiana policy automatically includes UM/UIM coverage for exactly that scenario, but it can be waived in writing, and many drivers do without fully weighing the tradeoff.

The liability limits themselves still have edges that matter. At $25,000 per person, one serious hospitalization can run close to or past the ceiling. Two injured people split that $50,000 per-accident cap. And none of the minimum coverage applies to your own vehicle or medical bills. Those fall entirely on you if you caused the crash.

Here's how Indiana's required limits compare to the rest of the country, and where the coverage ends.

An image showing how Indiana's state minimum coverage compares to other states and an explanation of what is covered and where you are left unprotected.

MoneyGeek analyzed 11 companies in Indiana. Our baseline is a 40-year-old driver with a clean record and good credit, for a 100/300/100 full coverage policy with a $1,000 deductible.

Indiana Farmers, Hastings and Grange are regional carriers. Uninsured/underinsured motorist coverage is offered on all new policies but declinable in writing.

Gender is a rating factor in Indiana. Data are from Quadrant Information Services.

See our methodology.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.) and began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!

Read Full Bio »
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