Car Insurance in Indiana: How to Find the Policy That Fits You

To help you find the policy that meets your requirements, MoneyGeek provides analysis and solutions for all your car insurance needs in Indiana.

Find the Best or Cheapest Car Insurance in Indiana

In finding the cheapest options, MoneyGeek compiled quotes from several car insurance companies in Indiana and analyzed them based on affordability. MoneyGeek also found the best car insurance in the state by using a unique scoring system that looks at the cost, customer ratings and satisfaction scores.

MoneyGeek broke down costs based on a variety of factors such as age, driving record and more to help you get an idea of overall car insurance expenses in Indiana.

Car insurance costs differ depending on the driver. In the above analysis, MoneyGeek delved into the cheapest and best car insurance options for drivers in Indiana. The table below shows a quick summary of what you can expect to find. All these recommendations are for a full coverage policy unless stated otherwise.

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  • Minimum liability: Erie
  • Full coverage: Erie
  • Drivers with a DUI: American Family
  • After an accident: Erie
  • Drivers with a ticket: Erie
  • Drivers with bad credit: GEICO
  • Senior drivers: GEICO
  • Student drivers: Progressive
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  • Overall: Erie
  • Customer Service: Erie
  • On a Budget: Erie
  • Poor Driving Record: Erie
  • Military: USAA
  • Young Drivers: Progressive
  • New Cars: Erie
  • Low-Mileage Drivers: Nationwide

Get an Indiana Car Insurance Quote

Car insurance quotes in Indiana differ by as much as $390 across different companies for the same driver. This means you can save a significant sum if you compare quotes from various insurers. Getting a quote estimate doesn’t have to be time-consuming.


Car Insurance Laws in Indiana

MoneyGeek has all the resources you need to learn about Indiana car insurance laws and requirements. In Indiana, car insurance policies need to have at least the following liability insurance coverages:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

The coverage amount required by the state may be different from how much coverage you should get. Indiana’s minimum car insurance requirements only mandate relatively low limits for liability insurance coverage. If you want to ensure full protection, you can increase your liability limits and add collision and comprehensive coverage.

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High-risk drivers, such as those with DUIs on their records, may need to file an SR-22 form as proof of insurance. MoneyGeek's resource on SR-22 insurance in Indiana explains how much you can expect to pay for SR-22 insurance and how you can file this form with your insurer.

Specialty Car Insurance in Indiana

For drivers with unique requirements, traditional car insurance is not always the best option. MoneyGeek explored alternative car insurance options in Indiana, such as non-owner, temporary and low-income car insurance, to help you make the best choice.

Learn more about these different car insurance types in Indiana below.

MoneyGeek Specialty Car Insurance Resources


Non-owner car insurance

If you don’t own a vehicle but need proof of insurance, non-owner car insurance in Indiana makes the most sense.


Temporary car insurance

If you drive infrequently and only need coverage for a certain time period, you may only need temporary car insurance in Indiana. You can get it by buying and canceling a regular policy before the term ends or getting rental car insurance.


Car insurance for low-income drivers

Most states, like Indiana, don’t have programs to support low-income drivers. That said, MoneyGeek still found ways that drivers can save by compiling low-income car insurance options in Indiana.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.