Cheapest Car Insurance in Indiana

Quick Take: See which are the cheapest insurance companies in Indiana below based on your age and driving history:

Cheapest by coverage type 

• Full coverage: GEICO, $63
• Minimum coverage: Hastings Insurance, $27

Cheapest by driver age 

• Teen drivers (16): Indiana Farmers Insurance, $77
• Young drivers (20): Travelers, $66
• Seniors (65+): GEICO, $39

Cheapest by driving record 

• Speeding ticket: Auto-Owners, $37
• At-fault accident: Hastings Insurance, $31
• DUI: Progressive, $50
• Bad credit: Hastings Insurance, $43

Rates refreshed: November 14, 2025

Hastings Insurance offers the cheapest minimum coverage at $27 monthly, followed by Auto-Owners at $30 and GEICO at $32. Hastings will save you 23% versus the state average for minimum liability-only coverage.

Indiana requires $25,000 in bodily injury liability per person, $50,000 per accident, and $10,000 in property damage liability (25/50/10). The state has one of the lowest property damage minimums in the nation, but overall the minimum coverage is in line with most states.
Learn how much car insurance you need.

GEICO offers the cheapest full coverage at $63 monthly, with Grange Insurance and Hastings Insurance both charging $64 monthly.  Each option is cheaper than the state average by 7% to 9%.

Full coverage combines comprehensive and collision protection with your liability policy. Collision pays for vehicle repairs when you cause an accident, while comprehensive handles damage from severe weather, flooding and theft.

The least expensive minimum coverage in Indiana ranges from $26 in South Bend to $37 in Indianapolis.  The cheapest full coverage ranges from $54 in Lafayette to $72 in Indianapolis. GEICO has the lowest premiums in most of Indiana's largest cities. Indianapolis has less affordable rates compared to other cities because of higher traffic and more frequent claims, while cities such as South Bend and Lafayette are the lowest cost markets. Save up to 31% by choosing the cheapest provider in your Indiana city.

Teens in Indiana have the highest insurance rates due to their inexperience. Adding a teen to a parent's policy costs less than buying separate coverage. At age 16, Indiana Farmers Insurance is the cheapest for both minimum coverage ($77 monthly) and full coverage ($147 monthly). At age 20, Travelers offers the cheapest minimum coverage at $66 monthly, while Indiana Farmers has the cheapest full coverage at $139 monthly.

By age 25, rates drop more, with GEICO cheapest for minimum coverage at $35 monthly and Grange Insurance cheapest for full coverage at $72 monthly.

For seniors in Indiana, GEICO has the lowest prices on full coverage, with rates starting at $73 monthly for age 65, while Hastings Insurance leads on minimum coverage at $34 monthly for age 70.

Progressive offers the cheapest DUI rates at $50 monthly for minimum coverage and $83 for full coverage, or 46% less than the state average. Travelers is the second cheapest option at $51 monthly for minimum coverage and $107 for full coverage.  Both options are much more affordable than the cost increase for a DUI violation in Indiana.

Hastings Insurance is the cheapest option after an accident at $31 monthly for minimum coverage and $75 for full coverage, saving you up to 41%. Auto-Owners is the second cheapest at $40 monthly for minimum coverage and $100 for full coverage.

Auto-Owners provides the cheapest minimum coverage after a speeding ticket at $37 monthly, with Hastings Insurance close behind at $39.  Auto-Owners and Hastings have the cheapest full coverage at $93 monthly.

Hastings Insurance offers the cheapest coverage for bad credit at $43 monthly for minimum coverage and $116 for full coverage, with Westfield Insurance as the second cheapest at $57 monthly for minimum coverage and $188 for full coverage. 

While poor credit usually doubles your rate in the state, Hastings provides a very affordable option at 54% less than state average.

Our insurance experts answer common questions about finding the most affordable car insurance coverage in the Hoosier State.

We gathered auto insurance data from the Indiana Department of Insurance and analyzed quotes from major insurers across all residential ZIP codes in Indiana. Our analysis included more than 36 million rate comparisons in Indiana to find the cheapest options for different driver profiles, coverage types, and demographics. For detailed information on our research methodology, see our complete methodology guide.