No one single insurer stands out for being the cheapest across most driver profiles. The cheapest car insurance companies in Indiana are GEICO, Hastings, Progressive, Indiana Farmers, and Auto-Owners. The cheapest for you will depend on your driver profile and the coverage you need. Here are the cheapest rates in Indiana:
Cheapest Car Insurance in Indiana
Updated: May 27, 2026
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Winners: Cheapest Car Insurance Companies in Indiana
Full coverage | GEICO | $63 | 4.4/5 |
Minimum coverage | Hastings | $30 | 4.22/5 |
After a speeding ticket | Indiana Farmers | $87 | 4.0/5 |
After an at-fault accident | Hastings | $75 | 4.22/5 |
After a DUI | Progressive | $83 | 4.2/5 |
After a texting violation | Auto-Owners | $80 | 4.6/5 |
Poor credit | Hastings | $116 | 4.22/5 |
Teen drivers (16, family policy) | Indiana Farmers | $228 avg | 4.0/5 |
Senior, age 65+ | GEICO | $72 | 4.4/5 |
Cheapest by Coverage Type in Indiana
Cheapest Full Coverage
GEICO
GEICO has the lowest full coverage car insurance rate in Indiana at $63/month, $21 below the state average of $84/month. It's the most affordable option for seniors and holds the lowest rates in Indianapolis, Evansville, Hammond, and Lafayette. MoneyGeek scores GEICO 4.4/5, with a perfect 5.0/5 affordability score offset by lower marks for customer experience and coverage options. Skip GEICO after a DUI, if you have poor credit or are a young driver.
Cheapest Minimum Coverage
Hastings Insurance
Hastings is the most affordable option for minimum coverage in Indiana at $30/month, $10 below the state average of $40/month. It also wins the at-fault accident and bad credit categories. Hastings is a regional Midwest insurer not available in all states, but it competes strongly across multiple Indiana profiles.
Skip Hastings for clean-record full coverage. GEICO at $63/month is $10/month less than Hastings' $73/month full coverage rate.
Hastings | $30 | $73 |
Auto-Owners | $31 | $80 |
GEICO | $32 | $63 |
Travelers | $35 | $71 |
Grange | $36 | $64 |
Indiana Farmers | $36 | $77 |
Progressive | $45 | $71 |
Cheapest Car Insurance by City in Indiana
The most affordable provider varies by city in Indiana more than in most affordable states. GEICO is cheapest in Indianapolis, Evansville, Hammond, and Lafayette. Grange is the most affordable option in Carmel, Fishers, Fort Wayne, and Noblesville. Hastings wins Muncie and South Bend.
Hammond is the most expensive city at $72/month, driven by its proximity to Chicago, dense traffic, and higher accident frequency. Lafayette is the most affordable at $54/month. That's an $18/month gap, or $216 per year, for the same coverage. The Indianapolis suburbs of Carmel, Fishers, and Noblesville are all cheaper than Indianapolis itself, and all have Grange as the most affordable option.
Lafayette | GEICO | $54 |
Muncie | Hastings | $54 |
Carmel | Grange | $55 |
Noblesville | Grange | $56 |
Fort Wayne | Grange | $58 |
Fishers | Grange | $58 |
South Bend | Hastings | $60 |
Evansville | GEICO | $70 |
Indianapolis | GEICO | $72 |
Hammond | GEICO | $72 |
Cheapest Car Insurance by Age in Indiana
Middle-aged drivers pay the lowest car insurance rates in Indiana. Teens and young drivers pay up to three times more, and seniors pay about 14% more on average. If you're between 30 and 60 with a clean record, GEICO at $63/month is your most affordable option.
Indiana is one of the few states where the cheapest provider shifts multiple times as young drivers age. Missing those transitions costs money every year.
16 (family policy) | Indiana Farmers | $228 |
18 (family policy) | GEICO | $190 |
21 (family policy) | GEICO | $155 |
25 (standalone) | GEICO | $142 |
40 (standalone) | GEICO | $63 |
65+ (standalone) | GEICO | $72 |
Cheapest for Young Drivers in Indiana
GEICO is our top pick for the cheapest car insurance for young drivers. Indiana Farmers has the lowest rates for 16-year-old drivers, but GEICO is cheaper for all other ages. It's worth quoting both companies because their rates are very similar and the cheapest rate may change based on your zip code and your car model.
MoneyGeek Top Pick
GEICO
GEICO is the most affordable option for young drivers in Indiana across most ages, holding the lowest rates from 17 through 25 with one exception at 20 where Progressive is cheapest. If your teen is age 16, you can consider Indiana Farmer insurance as they are cheapest, but only for one year.
Cheapest Car Insurance for Seniors in Indiana
Cheapest for Seniors
GEICO
GEICO is the most affordable option for seniors in Indiana at $72/month, just $9 above its standard adult full coverage rate of $63/month. Travelers and Hastings are second at $97/month each. Re-shop at 70 and again at 75. Senior rates increase as you age and the most affordable option can shift as you get older.
GEICO | $72 |
Travelers | $97 |
Hastings | $97 |
Auto-Owners | $101 |
Progressive | $105 |
Cheapest Car Insurance With Violations in Indiana
Indiana is one of the few states where no single provider is the most affordable across all violation categories. Indiana Farmers wins speeding tickets. Hastings wins at-fault accidents. Progressive wins DUI. Auto-Owners wins texting violations. You have to know your profile before you shop.
Most violations affect Indiana rates for three years. After a DUI, Indiana requires SR-22 filing. See SR-22 insurance in Indiana for details.
Indiana Farmers | $87 | $89 | N/A | $95 |
Hastings | $93 | $75 | $146 | $93 |
Progressive | $92 | $95 | $83 | $98 |
Auto-Owners | $93 | $100 | $143 | $80 |
After a speeding ticket, Indiana Farmers at $87/month is the most affordable option. The next four providers are tight: Progressive ($92), Auto-Owners ($93), Hastings ($93), and Travelers ($94) all fall within $7/month. Choosing Indiana Farmers saves up to $7/month vs. the next cheapest option.
After an at-fault accident, Hastings at $75/month is the most affordable option. Grange is second at $87/month. Choosing Hastings saves $12/month vs. Grange and up to $25/month vs. Auto-Owners.
After a DUI, Progressive at $83/month is the most affordable option, only $20 above GEICO's clean-record rate of $63/month. GEICO jumps to $142/month after a DUI, a 125% increase. Switching from GEICO to Progressive after a DUI saves $59/month, or $708 per year.
After a texting violation, Auto-Owners at $80/month is the most affordable option. Hastings is second at $93/month. Choosing Auto-Owners saves $13/month vs. Hastings and up to $21/month vs. GEICO.
Most Affordable Rates in Indiana With Poor Credit
Hastings at $116/month and Grange at $118/month are the two most affordable options for poor-credit drivers in Indiana. Both are regional insurers that price this profile much lower than national insurers Auto-Owners is third at $178/month, $62/month more than Hastings.
Hastings | $116 |
Grange | $118 |
Indiana Farmers | $143 |
Auto-Owners | $178 |
GEICO | $219 |
Summary and Next Steps
Indiana's cheapest insurer varies by profile more than almost any other state. GEICO wins full coverage and seniors. Hastings wins minimum coverage, at-fault accidents, and bad credit. Progressive wins DUI. Indiana Farmers wins teens and speeding tickets.
Next Steps:
- Select the right coverage amount for your situation. Use our Indiana car insurance calculator to estimate how much coverage you need to find the right liability limits that protects your assets before you start comparing quotes.
- Get three quotes from the cheapest Indiana insurers for your profile. Your ZIP code alone can move your rate in Indiana by up to $18/month, your vehicle by up to $57/month, and your coverage level by up to $97/month. Compare all three quotes with identical coverage selected to make sure you're seeing an apples-to-apples comparison.
MoneyGeek analyzed auto insurance providers across all Indiana ZIP codes. Rate data was sourced from Quadrant Information Services. All rates are ZIP code averages; individual quotes vary.
Sample driver profile (baseline):
- 40-year-old male driver
- Clean driving record
- Good credit
- 100/300/100 full coverage with a $1,000 deductible
Additional profiles analyzed:
- Young drivers: ages 16 to 25 on a family policy, analyzed separately by gender
- Seniors: age 65 and older
- Drivers with violations: speeding ticket, at-fault accident, DUI conviction and texting while driving
- Drivers with poor credit
Coverage levels analyzed:
100/300/100 means:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
Indiana minimum coverage (25/50/25) means:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability
Deductibles applied: none (minimum coverage), $1,000 (full coverage baseline)
State-specific notes:
- Gender is a rating factor in Indiana; young driver rates reflect separate male and female profiles
- Indiana Farmers and Hastings are regional carriers included in the full competitive set
- Indiana doesn't require PIP; UM/UIM is offered on every new policy but can be declined in writing
- Allstate's full coverage rate of $121 a month is the highest in the full Quadrant dataset for Indiana; it doesn't appear in the top-five cheapest tables as lower-cost providers rank ahead of it in every category
- The statewide average minimum coverage rate of $40 a month is calculated across all providers in the Quadrant dataset
- SR-22 filing required after a DUI conviction
See our methodology.
About Mark Fitzpatrick
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 covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other 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.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!
Sources
- BMV. "Indiana Bureau of Motor Vehicles." Accessed May 27, 2026.