The best home insurance companies in Indiana are American Family, Auto-Owners, State Farm, Nationwide and Farmers. American Family excels in affordability and customer service, while Auto-Owners leads in coverage options. Compare all our top picks below.
Best Homeowners Insurance in Indiana
Updated: June 21, 2025
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Key Takeaways
Based on our 2025 research, the top three home insurance providers in Indiana are American Family, Auto-Owners and State Farm.
American Family offers the best overall home insurance for most Indiana homeowners. For those with newer homes, State Farm could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details and compare multiple quotes.
Who Are the Best Home Insurance Companies in Indiana?
| American Family | 92 | 1 | 1 | 3 |
| Auto-Owners Insurance | 88 | 5 | 2 | 1 |
| State Farm | 88 | 2 | 3 | 4 |
| Nationwide | 77 | 3 | 5 | 1 |
| Farmers | 73 | 4 | 4 | 5 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
While our rankings showcase the best home insurance providers overall, they may vary depending on your specific needs or property type. Below is a summary of top picks across key categories.
| American Family | 92 | Overall |
| American Family | 92 | Older Homes |
| American Family | 92 | Newer Homes |
| American Family | 93 | High-Fire-Risk Areas |
| American Family | 93 | Bad Credit |
| American Family | 92 | With Claims History |
Best Indiana Home Insurance by City
Home insurance provider rankings in Indiana vary based on affordability, local service, and coverage options. For instance, American Family ranks best in Evansville with a MoneyGeek score of 91, and it also tops the list in Fort Wayne, Indianapolis, and South Bend with a score of 92. Below, we highlight the top providers by city to guide your local choice.
| Evansville | American Family | 91 |
| Fort Wayne | American Family | 92 |
| Indianapolis | American Family | 92 |
| South Bend | American Family | 92 |
Best Indiana Home Insurance Reviews
Explore our selection of top home insurance providers in Indiana, spotlighting leaders in affordability, exceptional customer service and diverse coverage options.
American Family: Best for Affordability
In addition to being the best provider in our study for all home types in Indiana, American Family is also the most affordable provider overall in the state. It is also well rated by J.D. Power, coming in around the national average for home insurance customer satisfaction and claims satisfaction. American Family offers a selection of coverage options, including identity theft protection and home business coverage.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $86 | $1,027 |
| Newer Homes in High-Fire-Risk Areas | $86 | $1,027 |
| Older Homes | $121 | $1,450 |
| Older Homes in High-Fire-Risk Areas | $121 | $1,450 |
Auto-Owners: Best for Customer Service
Auto-Owners may be the most expensive provider on our list, but it leads in customer service among Indiana home insurance companies. It holds the fourth-best claims satisfaction score and comes in around the national average for customer satisfaction, according to J.D. Power. Auto-Owners also offers unique home insurance options, including its guaranteed home replacement cost, which ensures your home is fully rebuilt after a covered loss, even if reconstruction expenses exceed your policy's dwelling coverage limit.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
| Newer Homes | $161 | $1,929 |
| Newer Homes in High-Fire-Risk Areas | $166 | $1,998 |
| Older Homes | $237 | $2,849 |
| Older Homes in High-Fire-Risk Areas | $246 | $2,949 |
Nationwide: Best for Coverage
Nationwide is the third most affordable provider overall for home insurance in Indiana, however it is the best for coverage options in the state. Its extensive coverage includes unique add-ons like better roof replacement and doubling dwelling coverage limits. Nationwide's customer service is strong as well, ranking eighth overall and fifth in claims satisfaction, according to J.D. Power studies.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $54 | $648 |
| Newer Homes in High-Fire-Risk Areas | $59 | $705 |
| Older Homes | $177 | $2,127 |
| Older Homes in High-Fire-Risk Areas | $193 | $2,311 |
How to Find the Best Home Insurance in Indiana
We've developed a step-by-step guide to assist you in finding the coverage that best fits your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Consider your home's value, the personal belongings inside and local risk factors such as wildfires or flooding that might affect your coverage requirements.
- 2
Research costs and discounts
Investigate how much home insurance costs in Indiana to ensure potential savings are real. Look for any discounts you qualify for, like bundling policies or installing home safety devices, to make your coverage more affordable.
- 3
Find the best providers for you
Find the best and cheapest home insurance in Indiana by evaluating insurers based on customer service, pricing, and potential add-ons that suit your needs.
- 4
Compare multiple providers through all means
Once you've done your research, compare quotes to find the ideal provider. Gather quotes online, through agents, or by phone, since estimates can vary across these channels.
Best Homeowners Insurance in Indiana: Bottom Line
Indiana's best homeowners insurance companies are American Family, Auto-Owners and State Farm. These are strong recommendations, but comparing providers will help you find the best fit for your needs.
Best Home Insurance in Indiana: FAQ
To guide you in selecting a home insurance provider, we've answered common questions about your options in Indiana.
Which company is best for home insurance in Indiana?
American Family is Indiana's best homeowners insurance provider due to affordability, excellent customer service, and various coverage options. Auto-Owners, State Farm, Nationwide and Farmers are also top-rated choices in Indiana.
Who has the most affordable homeowners insurance in Indiana?
Affordable homeowners insurance in Indiana varies based on individual circumstances and property details. The average annual homeowners insurance cost in Indiana is $1,171.
How do you get the best homeowners insurance in Indiana?
To find the best home insurance in Indiana, determine your coverage requirements, explore costs and providers, and solicit multiple quotes for comparison.
How We Decided the Best Home Insurance in Indiana: Our Methodology
We rated the best homeowners insurance providers in Indiana using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
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.