Indiana Auto Insurance (2023)

If you live in Indiana, you likely enjoy car insurance rates well below the national average. Indiana residents pay around $1,261 or $106 monthly for car insurance in their state. The national average in the U.S. is around $268 more per year.

You have plenty of options for car insurance providers in Indiana, but your rates will vary based on factors like age, driving history, and credit score. If you’re looking for cheap auto insurance rates online in Indiana, you can compare quotes from multiple companies to learn which option might work best for you.

Who offers the cheapest rates for a liability-only policy?

There are plenty of options for car insurance companies in Indiana, but they are not all the same. If you’re looking for cheap Indiana car insurance, you will have to do a bit of research to learn which companies work best for you. 

You can find liability insurance extremely cheap in Indiana. Indiana’s average cost of a liability-only policy is around $35 per month, or $414 each year. Of course, your overall cost for liability coverage will depend on several factors.

Still, this coverage is by far the cheapest option in the state.

As you can see from our Auto-Owners auto insurance review, Auto-Owners offers the cheapest coverage overall when it comes to a liability policy. Coverage with Auto-Owners costs around $236 annually, or $20 per month, and Geico offers coverage for around $25 a month.

Compared to the cheapest companies in Indiana, Allstate’s rates are by far the highest, at $705 annually or $59 per month. 

Just because a liability policy is cheap does not mean it’s always the best idea. Choosing liability-only means you go without certain coverage options that could protect you. On the other hand, if you drive a newer car, lease or finance your car, or have made expensive modifications to your vehicle, you may want to choose a full coverage policy to ensure you’re covered.

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Who offers the cheapest rates for a full coverage policy?

Full coverage in Indiana costs much more than a minimum coverage policy. The cheapest option in most cases is with Auto-Owners, which costs around $916 annually or $76 each month.

Geico comes in at just under $1,000 annually, or $82 every month.

Full coverage car insurance in Indiana includes liability coverage along with collision and comprehensive car insurance. Collision insurance covers you if you’re at fault in an accident and your vehicle is damaged and in need of repair. Without collision coverage, you would be required to pay for repairs to your car out of pocket.

Comprehensive auto insurance covers your vehicle if it is damaged in a non-accident-related incident, like inclement weather or vandalism. Comprehensive coverage is especially helpful if you park your car outdoors most of the time.

Full coverage rates in Indiana are the most expensive with Allstate. The company charges $2,516 annually for car insurance. That equates to $210 every month. Before purchasing a full coverage car insurance policy, you should shop online and compare quotes from multiple providers to see your best option. 

Can I get cheap car insurance with bad credit?

You can find cheap auto insurance in Indiana if you have bad credit. Still, the cheapest Indiana car insurance premiums are reserved for individuals without blemishes on their credit histories. This is because insurance companies assess risk associated with prospective policyholders, and credit scores are an important factor for most insurers.

Statistics suggest a correlation between poor credit scores and the likelihood of someone filing a car insurance claim. Because of this, people with bad credit are often automatically charged more to offset the risk. 

Drivers with poor credit in Indiana pay around $1,228 more for coverage each year. This makes it difficult to find cheap insurance in Indiana with bad credit. Still, there are some companies that offer competitive rates if your credit score isn’t where you want it to be. Read more on the best auto insurance companies for bad credit if you want to get affordable coverage. 

Geico offers the cheapest rates in Indiana for people with bad credit. The company charges $1,374 annually or $115 monthly. Auto-Owners is the second cheapest, charging $1,686 per year or $141 each month.

In contrast, Allstate charges $3,171 annually, or $264 monthly, for people with bad credit. The difference in rates is a good example of why people should compare car insurance quotes in Indiana from multiple companies before making a final decision. 

How can I get cheap car insurance after an at-fault accident?

If you have an accident on your driving record and are at fault, you can expect your car insurance rates to go up. Most companies will charge policyholders more after they file a claim, but this is especially true if you were the cause of an accident. 

In Indiana, an at-fault accident could raise your rates as much as $700 per year. Other factors, like the car’s make and model and your coverage levels, will also impact your car insurance rates after an accident. 

Auto-Owners offers the cheapest car insurance to Indiana residents with an at-fault accident on their driving records. The company charges around $1,174 annually, or $98 each month, for coverage. Next is State Farm, which charges Indiana residents around $123 monthly for car insurance coverage if they have recently been in an accident.

Unfortunately, some insurance companies charge much more for coverage. Allstate, for example, charges over $300 each month for coverage if you’ve recently been in an accident in which you were at fault.

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Can young Indiana drivers get cheap auto insurance?

Teen drivers pay more for car insurance in every state. In Indiana, the rate increase is significant. 

Teen drivers in Indiana pay around $3,307 annually for car insurance coverage or $276 monthly. This is nearly $1,800 more per year than the national average. Additionally, a 30-year-old driver in Indiana pays around half that for coverage.

Geico charges around $218 per month, and Auto-Owners is the next-cheapest option, charging $222 monthly. Finally, Farmers charges teen drivers nearly $5,550 annually, or $463 every month. 

If you’re a teen driver, there are some ways you can save money on your Indiana car insurance coverage. The easiest way to save on auto insurance is to get on an adult’s plan. See if your parents or guardian will add you to their policy. If that’s not a possibility, you may be able to pursue certain discounts, like good student discounts or driver training. 

You should always compare rates from multiple companies to avoid paying too much for your coverage. And remember to find and compare quotes at least once a year to see if your rates improve as you get older. 

How much are car insurance rates in different areas of Indiana?

You may find that your rates differ based on where you live in Indiana. Car insurance rates calculate their customers’ rates from several different factors. One factor for many companies is a person’s ZIP code. 

If you ever wonder “why did my auto insurance go up when I moved?” it might be due to a lot of traffic or a higher crime rate. You may also notice that your car insurance rates are higher than in other, less populated areas. For example, the cheapest car insurance in Indiana is found in Shadeland, and the most expensive rates are in Gary. 

Car insurance in Indianapolis, for example, costs around $1,400 annually or $117 per month. In comparison, Carmel rates are around $98 a month. In addition, your ZIP code can significantly impact your auto insurance rates. 

If you ever move within the state of Indiana, it’s a good idea to shop online for car insurance quotes to see what your new rates might be. Your insurance company should always have your updated address, and you may be able to find cheaper coverage in your new city. 

How much is car insurance in Indiana after a DUI? 

You can expect your car insurance rates to increase after a DUI conviction, but the overall cost will also depend on other factors. Take a look at the table to get a better idea of what different companies charge after a DUI conviction.

For example, State Farm charges $1,521 annually, or $127 monthly, followed by Progressive, which charges $149 a month. Geico is your third-cheapest option in Indiana, with monthly rates averaging $175.

Farmers Insurance charges $2,104 yearly for minimum coverage for someone with a DUI on their record or $175 monthly. And Auto-Owners charges $186 every month. Finally, Allstate comes in last at $2,965 annually or $247 every month for car insurance coverage after a DUI conviction.

Typically, Auto-Owners is the cheapest car insurance company in Indiana. But when it comes to DUIs, you may want to look elsewhere for coverage,

If you’re searching for Indiana auto insurance after getting a DUI, you may find that some companies refuse to offer you coverage. If this is the case, don’t give up on your search. Instead, seek quotes from multiple providers and determine which companies offer high-risk coverage to non-standard drivers in Indiana. 

Can I get cheap rates with a DUI?

Is cheap auto insurance with a DUI possible? If you’ve been convicted of a DUI, you will not be able to find cheap car insurance in Indiana. A DUI may make it difficult to purchase car insurance in Indiana at all. 

Auto insurance companies see DUI convictions as a very serious issue. Indiana has strict laws about what you must do to prove you’re financially responsible for your vehicle if you have a DUI on your driving record. And if you get a second DUI conviction, you will lose your right to drive altogether. 

In Indiana, a DUI on your driving record can increase your car insurance rates by up to 90%. Because of this, it’s important to find and compare many different car insurance quotes in Indiana. 

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What are the car insurance laws in Indiana?

If you live in Indiana, you must carry car insurance on any car you own and drive. Purchasing the minimum coverage in Indiana can help you save hundreds or even thousands of dollars annually. Still, you may find that a full coverage policy offers more safety and peace of mind when you’re behind the wheel. 

Indiana residents pay around $414 annually, or $35 each month, for minimum car insurance coverage. This price is around 73% lower than the national average in the U.S.

What are Indiana’s minimum coverage requirements?

Indiana drivers are required to carry certain levels of coverage to drive legally. Most states in the U.S. require some sort of proof of insurance or financial responsibility. 

According to Indiana’s Insurance Department, the minimum car insurance requirements in Indiana include: 

• $25,000 per person in bodily injury coverage
• $50,000 per accident in bodily injury coverage
• $25,000 per accident in property damage
• $50,000 per accident in uninsured/underinsured motorist coverage

Bodily injury is a form of liability insurance that protects the at-fault driver if someone is injured or killed in a car accident. If sustained injuries cost more than your bodily injury insurance limits, you will have to pay out of pocket.

Property damage insurance is a form of liability coverage that protects the at-fault driver if a person’s car or property is damaged in a car accident. This coverage helps to ensure you won’t end up paying out of pocket if someone’s car needs repairs. 

Uninsured/underinsured motorist coverage is a way to protect yourself if you’re in an accident with someone who does not carry proper car insurance. If that individual is found at fault in an accident, your uninsured/underinsured motorist coverage will help pay for injuries or repairs.

What is a certificate of compliance in Indiana?

If you have certain traffic violations on your driving record, you may need to file a certificate of compliance. A certificate of compliance is a form you need an insurance company to fill out on your behalf. The form states that you have financial responsibility and are able to carry proper coverage on your vehicle.

Some Indiana residents try to submit the certificate of compliance form on their own, but the form is only viable when submitted by a registered insurer. You can contact your local department of motor vehicles in Indiana if you need more information. 

What types of car insurance coverage can I get in Indiana?

Car insurance coverages are not specific to location. Instead, they are specific to the company. While some add-on coverages may be difficult to come by, most standard options are easy to procure and offered by several different insurance companies. 

Some of the most common insurance coverage types include:

• Comprehensive coverage. This coverage helps if your car is damaged in a non-accident-related event, like severe weather or vandalism. 
• Collision coverage. Collision coverage helps pay for repairs if your car is damaged in an accident. Without collision coverage, you may have to pay for repairs to your vehicle out of pocket. 
• GAP coverage. GAP insurance helps pay the difference between what you owe on your car and what your car is actually worth after depreciation. 
• Medical Payments (MedPay). MedPay pays for medical bills, doctor’s visits, and other medical costs associated with a covered event. 
• Roadside assistance. This coverage helps if your car breaks down and you’re in need of certain assistance, like fuel services or flat tire repair.
• Uninsured/underinsured motorist coverage. This coverage allows you to be reimbursed after an accident by your own insurance company if the at-fault individual does not carry proper Indiana-mandated liability coverage.
• Rental car reimbursement. If your car is in the shop due to a covered event, your insurance company will reimburse you for the cost of a rental vehicle up to a certain amount. 

A full coverage policy with comprehensive and collision coverage is extremely helpful and allows drivers to have better peace of mind on the road. You can also purchase additional coverages to protect yourself and your vehicle. 

Remember that any coverage you add will also add to your overall insurance costs.

For example, a full coverage policy in Indiana costs around 228% more than a liability-only policy. If this is not something you can afford, ask about discounts or see if you can choose a higher deductible. 

Do insurance companies in Indiana have cancellation restrictions?

Indiana insurance companies can cancel a person’s policy within the first 60 days. If you have a policy for more than 60 days with an insurance company, that insurer cannot cancel your policy aside from very specific reasons. 

If you fail to pay your premiums or lose your license after a violation, your insurance company has the right to terminate your policy. When this happens, the insurer is required to notify you of the cancellation. 

Similarly, if your company chooses not to renew your policy, it must inform you a minimum of 20 days before the policy ends. Most insurance companies terminate policies based on a person’s driving record. So, if you do not have any new accidents on your policy and continue paying your insurance premiums, you should not worry about it. 

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What is SR-22 insurance? 

SR-22 insurance is similar to a certificate of compliance. The SR-22 is a form proving that you have financial responsibility for your vehicle. 

Insurance companies file SR-22s, and most individuals are required to submit one after specific major traffic violations, such as: 

• A DUI or DWI conviction
• Multiple traffic violations
• Multiple accidents
• One or more at-fault accidents
• Driving without a license
• Driving with a suspended license
• Driving without insurance

If you are required to file an SR-22, finding a company willing to insure you may be difficult. You will need to follow specific steps to ensure you do everything properly.

How do I get an SR-22 in Indiana?

If you have insurance, you may be able to request an SR-22 form via your current insurance company. In some cases, your company may choose not to cover you anymore. But many companies will file your SR-22 with the state of Indiana. 

You can shop for coverage with another company if your current insurer refuses to file an SR-22 or if your rates are subject to increase. 

If you do not have insurance with a specific company, you will likely have to pay a fee to have your SR-22 filed with a new provider. Unfortunately, it can be difficult to find a company that is willing to cover you, especially if you have a gap on your insurance record.

Needing an SR-22 will make you a high-risk driver with virtually every insurer. Still, there are plenty of companies that will likely offer you coverage. However, remember that car insurance will cost more once you are labeled a high-risk driver. 

If you need an SR-22 but don’t own a car, you should purchase non-owner insurance with a company in your area. This coverage will help you prove you have financial responsibility and will also ensure that you have an insurance provider willing to file the form on your behalf. 

What do I do if I was turned down for coverage in Indiana? 

You may find that not many insurance companies are willing to cover you in Indiana. This will likely be because of multiple traffic violations or a DUI/ DWI. If this is the case, you can apply for the Indiana Auto Insurance Plan through any insurance agent in the state.

Indiana insurance companies are legally required to accept individuals enrolled in this program, so you can find proper coverage. Unfortunately, you will have to pay higher rates, and you may not qualify for a full coverage policy because of your level of risk.

The Bottom Line on Cheap Car Insurance in Indiana

If you live in Indiana, you already pay less for auto insurance coverage than the national average. Still, you could be able to find cheaper rates by shopping online and comparing quotes from multiple companies.

Auto-Owners is the cheapest option in most scenarios for Indiana residents. But companies like Geico and State Farm also offer competitive rates in the state. Allstate and Farmers traditionally offer the most expensive coverage options in Indiana.

If you are looking for cheap insurance in Indiana, you should find and compare quotes from several companies in your area. Don’t assume that the first quote you received is the best. Instead, research which companies offer the coverage you need at a price that works with your budget. 

If you are a high-risk driver, comparing quotes is essential. And if you find that no company wants to offer you coverage, speak with an Indiana insurance agent about the possibility of enrolling in the Indiana Auto Insurance Plan.

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