GEICO offers the most affordable coverage in Indiana, with monthly rates of $33 for minimum liability and $64 for full coverage. This saves Hoosier drivers $16 monthly (25% below average). Get quotes from Grange, Travelers, Indiana Farmers and Auto-Owners too.
Cheapest Car Insurance in Indiana
Updated: August 7, 2025
Advertising & Editorial Disclosure
Key Takeaways
GEICO, Grange and Travelers offer the most affordable car insurance rates in Indiana, with savings up to 25% below the state average.
Car insurance costs in Indiana start at $24 monthly for minimum coverage and $29 for full coverage policies on average.
To get the cheapest car insurance in Indiana, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Indiana?
| Geico | $33 | $64 | -25% |
| Grange Insurance | $37 | $66 | -21% |
| Travelers | $35 | $71 | -19% |
| Indiana Farmers Insurance | $36 | $77 | -13% |
| Auto Owners | $32 | $82 | -12% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN INDIANA
We've created additional guides below to help you in your search for the best and cheapest car insurance in Indiana:
Best Car Insurance Rates by Category in Indiana
Hastings offers the cheapest rates in three of our 10 driver categories, including coverage for drivers with accidents, low income and bad credit. GEICO provides the most affordable rates in two categories, with particularly competitive prices for adult and senior drivers. Find your specific rates in the table:
| Young Drivers | Indiana Farmers Insurance | $65 |
| Adult Drivers | Geico | $32 |
| Senior Drivers | Geico | $39 |
| Drivers With An Accident | Hastings Insurance | $36 |
| Drivers With A DUI | Progressive | $50 |
| Drivers With A Speeding Ticket | Indiana Farmers Insurance | $41 |
| Drivers With Bad Credit | Hastings Insurance | $50 |
| Drivers With Low Income | Hastings Insurance | $29 |
| Drivers With Newer Cars | Travelers | $34 |
| Drivers With Old Cars | Auto Owners | $24 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Indiana for You
The tables above show overall winners, but your cheapest option depends on your situation. For example, Hastings offers the lowest rates at $68 monthly for drivers with poor credit and accident records who want 100/300/100 coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Hastings Insurance | $68 | $815 | -76% |
| Indiana Farmers Insurance | $125 | $1,495 | -55% |
| Grange Insurance | $140 | $1,680 | -50% |
| Westfield Insurance | $199 | $2,389 | -28% |
| Travelers | $268 | $3,218 | -4% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Indiana by City
Where you live in Indiana affects your insurance costs based on local crime, accidents and traffic density. GEICO charges as little as $32 in Advance but costs vary across cities. Here are the cheapest providers for every Indiana city:
Data filtered by:Results filtered by:
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City:Advance
| Advance | Geico | $32 | -25% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
How to Get the Cheapest Car Insurance in Indiana
Finding affordable car insurance in Indiana requires more than just comparing rates between companies. Here are proven strategies to save the most on auto insurance.
- 1
Compare Multiple Insurance Providers
Get quotes from at least three insurance companies through different channels like independent agents, comparison sites and directly from providers. Your rates can vary significantly depending on how you shop, so exploring multiple options helps find the best deal.
- 2
Determine Your Coverage Needs
Know what coverage you need before shopping to avoid paying for unnecessary add-ons while ensuring you have enough protection. Understanding your state's minimum requirements and your personal financial situation helps you make smart coverage choices.
- 3
Consider Lower Coverage Amounts
Reducing your coverage level and raising deductibles can lower your monthly costs if budget is tight. Just carefully evaluate your financial situation, driving habits and vehicle value before making coverage changes.
- 4
Research Costs and Discounts
Look up average auto insurance costs for drivers like you to benchmark savings opportunities. Check for discounts you qualify for and compare home and auto insurance bundle prices to maximize your savings.
- 5
Look Into Alternative Insurance Options
Consider pay-per-mile car insurance if you don't drive much, or try telematics programs that track driving habits for potential savings. Check if your car manufacturer offers special insurance programs with lower rates.
- 6
Work on Your Risk Profile
Boost your credit score and maintain a clean driving record to qualify for better rates. Insurance companies offer lower premiums to customers they consider lower risk.
- 7
Choose an Insurance-Friendly Vehicle
If you're car shopping, pick a cheaper car to insure to reduce your premiums. Older, reliable vehicles typically cost less to repair and insure than newer or luxury models.
Risks of Getting the Cheapest Car Insurance in Indiana
Indiana requires drivers to carry liability insurance with minimum coverage of 25/50/25. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $25,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Indiana, average property damage claims hit $4,300 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Indiana gets hit with severe weather that damages cars regularly. The National Centers for Environmental Information reports weather-related property damage averaged $3,200 per incident in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against severe storms, tornadoes and hail that frequently hit Indiana.
Bodily injury damage is more likely to be higher than the minimum limits
Indiana's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. The average bodily injury claims in Indiana reached $22,000 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
Indiana has a serious uninsured driver problem, with 13% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Indiana, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in urban areas where theft rates are highest.
Cheap Car Insurance in Indiana: Bottom Line
GEICO offers the lowest car insurance rates in Indiana for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Indiana: FAQ
Below, we answer common questions about car insurance to help you find the right coverage.
What are the cheapest car insurance companies in Indiana?
GEICO provides the most affordable car insurance in Indiana, with average annual rates of $396 for minimum coverage and $768 for full coverage. Grange, Travelers, Indiana Farmers and Auto-Owners also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Indiana?
Indiana Farmers provides the most affordable rates for young drivers in Indiana, with monthly premiums starting at $65 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Indiana?
Senior drivers in Indiana can find the most competitive rates with GEICO, offering policies for those 65 and older at an average of $39 per month for minimum coverage.
Who has the cheapest car insurance in Indiana for bad credit?
Hastings provides the most affordable rates for bad-credit drivers in Indiana, with monthly premiums averaging $50 for minimum coverage.
Who has the cheapest car insurance in Indiana with an accident?
Hastings offers the most affordable car insurance rates for Indiana drivers with an accident history, starting at $36 per month for minimum coverage.
Who has the cheapest car insurance in Indiana with a DUI?
Progressive provides the cheapest car insurance after a DUI in Indiana, with rates of $50 monthly for minimum coverage and $83 monthly for full coverage.
Who has the cheapest car insurance in Indiana for those with a speeding ticket?
Indiana drivers with a speeding ticket can find the lowest insurance rates with Indiana Farmers, charging $41 monthly for minimum coverage and $88 for full coverage.
Should you buy the cheapest car insurance in Indiana?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. GEICO balances low prices with solid coverage options in Indiana.
How We Found the Most Affordable Car Insurance in Indiana
MoneyGeek collected auto insurance data from the Indiana Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Indiana.
Indiana Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Indiana
We compared car insurance companies in Indiana that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Indiana.
The minimum coverage liability limits in Indiana are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision 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.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 18, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 18, 2025.
- National Centers for Environmental Information . "Climate at a Glance: Statewide Time Series ." Accessed August 18, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 18, 2025.