Below are our picks for the best home and auto insurance bundling companies in Indiana:
Best Home and Auto Insurance in Indiana
Updated: April 4, 2025
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Key Takeaways
USAA, Allstate and State Farm are the top picks for home and auto insurance in Indiana.
State Farm offers the best home and auto insurance discount, with savings of 18% on auto and 35% on home insurance.
The average annual cost of home and auto insurance in Indiana is $3,157, about 2% higher than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Indiana?
| USAA | 97 | $2,196 | $145 |
| Auto-Owners | 94 | $2,824 | $375 |
| Nationwide | 87 | $2,934 | $387 |
| State Farm | 85 | $1,987 | $824 |
| Allstate | 80 | $2,231 | $280 |
| Farmers | 78 | $2,536 | $528 |
| Travelers | 72 | $7,363 | $798 |
| Progressive | 71 | $3,186 | $108 |
State Farm: Best Cheap Home and Auto Insurance in Indiana
State Farm offers the cheapest home and auto insurance in Indiana, with a discount more than twice as large as other companies. It also has many other discounts, including good programs for young drivers. Customers like State Farm, too. It ranks fifth in J.D. Power's auto insurance study and seventh in its home insurance study.
| Auto | $764 | $166 | 18% |
| Home | $1,222 | $658 | 35% |
USAA: Best Home and Auto Insurance in Indiana for Military
USAA is a top choice for military members and their families. It offers the second-lowest rates for home and auto insurance in Indiana. USAA can also save customers money with many discounts. Its SafePilot program can save you up to 30% on car insurance by tracking your driving. Besides low prices, USAA ranks first in home and auto insurance customer satisfaction, according to J.D. Power.
| Auto | $527 | $18 | 3% |
| Home | $1,669 | $127 | 7% |
Allstate: Best Home and Auto Insurance Coverage Options in Indiana
Allstate offers competitive home-auto bundle rates in Indiana but stands out with unique coverages. It covers musical instruments and sports equipment, offers scheduled personal property coverage and gives drivers accident forgiveness and new car replacement options that many competitors don't provide.
| Auto | $1,230 | $112 | 8% |
| Home | $1,001 | $167 | 14% |
Indiana Home and Auto Insurance Cost
Indiana residents pay an average of $263 monthly for home and auto insurance, slightly above the $258 national average. Monthly rates vary by provider, ranging from $166 to $614.
| Indiana home and auto insurance bundle | $3,157 | $-63 | 2% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Indiana Home and Auto Insurance Quotes Without Bundling
Our research shows that buying home and auto insurance separately is cheaper in Indiana, but your quotes may vary. Below are the average costs of different coverage options from our top providers without bundling, listed from least to most expensive.
| USAA | Allstate | $1,713 |
| Auto-Owners | Allstate | $2,039 |
| State Farm | Allstate | $2,098 |
| Progressive | Allstate | $2,178 |
| Farmers | Allstate | $2,229 |
| Travelers | Allstate | $2,267 |
| Nationwide | Allstate | $2,409 |
| USAA | State Farm | $2,425 |
| USAA | Farmers | $2,547 |
| USAA | Nationwide | $2,625 |
| Auto-Owners | USAA | $2,667 |
| State Farm | USAA | $2,726 |
| Auto-Owners | State Farm | $2,751 |
| Progressive | USAA | $2,806 |
| USAA | Progressive | $2,829 |
| Farmers | USAA | $2,857 |
| USAA | Auto-Owners | $2,873 |
| Auto-Owners | Farmers | $2,873 |
| Progressive | State Farm | $2,890 |
| Travelers | USAA | $2,895 |
| State Farm | Farmers | $2,933 |
| Farmers | State Farm | $2,941 |
| Auto-Owners | Nationwide | $2,951 |
| Travelers | State Farm | $2,979 |
| State Farm | Nationwide | $3,011 |
| Progressive | Farmers | $3,013 |
| Nationwide | USAA | $3,037 |
| Progressive | Nationwide | $3,091 |
| Travelers | Farmers | $3,102 |
| Nationwide | State Farm | $3,121 |
| Allstate | USAA | $3,138 |
| Farmers | Nationwide | $3,142 |
| Auto-Owners | Progressive | $3,155 |
| Travelers | Nationwide | $3,180 |
| State Farm | Progressive | $3,215 |
| Allstate | State Farm | $3,222 |
| Nationwide | Farmers | $3,243 |
| State Farm | Auto-Owners | $3,259 |
| Progressive | Auto-Owners | $3,339 |
| Allstate | Farmers | $3,345 |
| Farmers | Progressive | $3,346 |
| Travelers | Progressive | $3,384 |
| Farmers | Auto-Owners | $3,390 |
| Allstate | Nationwide | $3,423 |
| Travelers | Auto-Owners | $3,428 |
| Nationwide | Progressive | $3,525 |
| Nationwide | Auto-Owners | $3,569 |
| Allstate | Progressive | $3,627 |
| Allstate | Auto-Owners | $3,671 |
| USAA | Travelers | $7,606 |
| Auto-Owners | Travelers | $7,932 |
| State Farm | Travelers | $7,992 |
| Progressive | Travelers | $8,072 |
| Farmers | Travelers | $8,123 |
| Nationwide | Travelers | $8,302 |
| Allstate | Travelers | $8,404 |
Should I Bundle Home and Auto Insurance in Indiana?
Indiana drivers typically pay more when bundling home and auto insurance than buying them separately. But your coverage needs and finances should guide your decision on the best option.
Individual policies cost less in Indiana
Separate policies save you more money than bundling. In Indiana, buying home and auto insurance separately costs $1,713 a year, while bundling costs $1,987.
Bundling makes policy management convenient
Bundling insurance policies simplifies insurance management through a single account, making tracking and payments easier.
It might be better not to bundle in Indiana
Buying separate insurance policies saves money and offers more coverage flexibility.
Best Auto and Home Insurance in Indiana: Bottom Line
In Indiana, State Farm, USAA and Allstate are the best choices for bundling home and auto insurance. Bundling often saves you money compared to separate policies. Compare several companies and get personal quotes to find the best deal for your situation.
Home and Auto Insurance in Indiana: FAQ
Find expert answers to common Indiana home and auto insurance questions here:
Who has the best home and auto insurance in Indiana?
State Farm offers the best home and auto insurance for most Indiana drivers. USAA is the top choice for military members and their families. Allstate leads in coverage options.
Who has the cheapest home and auto insurance in Indiana?
State Farm offers Indiana's cheapest home and auto insurance bundle at $1,987 per year, saving Indiana residents an average of $824 annually compared to the state average.
How much does home and auto insurance in Indiana cost on average?
Indiana's average annual home and auto insurance premium is $3,157, about 2% higher than the national average. State Farm offers the most affordable bundle at $1,987, while Travelers has the highest rate at $7,363.
Is bundling home and auto insurance cheaper in Indiana?
Bundling home and auto insurance costs more in Indiana, based on our research. While the cheapest option seems attractive, ensure it offers enough protection against major losses. Balance affordability with the coverage you need.
Best Auto and Home Insurance Bundle in Indiana: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Indiana Department of Insurance and Quadrant Information Services to calculate home and vehicle insurance rates. We supplemented this data with customer satisfaction ratings from leading consumer-reporting agencies, including AM Best and J.D. Power, to generate individual scores for home and auto insurance. We also considered each insurer's bundle discounts to evaluate their savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Indiana
MoneyGeek’s typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Indiana
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
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.