Best Auto Insurance in Indiana in 2025

Nationwide offers various coverage options and two usage-based insurance programs to keep your costs down. That’s why 16 million people in the United States use Nationwide. In Indiana, we recommend Nationwide for infrequent drivers and safe drivers, but your rates can increase if you have any dings on your driving record.

Usage-Based Insurance

Nationwide has two usage-based insurance programs that you can take advantage of depending on your driving habits and needs: a pay-per-mile insurance plan called SmartMiles, and a telematics program called SmartRide. The latter provides insights into how you drive and rewards you for driving safely with a discount of up to 40 percent on your premium. 

Meanwhile, SmartMiles is ideal for low-mileage drivers (for example, retirees, stay-at-home parents, remote workers). It consists of a fixed base rate and a variable rate per mile, so your monthly rate is calculated by multiplying your per-mile rate by the number of miles you drove that month, then adding the base rate. For example, if your base rate is $60 per month and your variable rate is $0.07 per mile, your rate would be $95 if you drove 500 miles in a given month ($0.07 x 500 + $60).

You should always compare rates to a traditional policy and take your realistic mileage into account when determining if your quoted rate is a good deal, but if you drive less than average, SmartMiles may give you a much better rate.

Optional Coverages

Just because Indiana’s minimum coverage requirements are low doesn’t mean you shouldn’t opt for more coverage. Low limits make insurance affordable on average, but liability insurance does not cover the driver’s injuries and damages.

In addition to liability coverage, you can add the following coverage options with Nationwide:

• Collision
• Comprehensive
• Medical payments
• Personal injury protection
• Uninsured/underinsured motorist coverage
• Roadside assistance
• Rental reimbursement
• Gap coverage
• Accident forgiveness
• New car replacement

Discounts for Safe Drivers

In addition to its telematics program, Nationwide offers several other discounts to help safe drivers save even more money on premiums. These include an accident-free discount for those who maintain an accident-free record, and a safe driving discount for those who have been free of major violations for at least five years.

That said, there are numerous other discounts we recommend you inquire about, especially if you’re a high-risk driver who is likely to have higher premiums:

• Multiple-policy discount: Bundle your home or renters insurance with an auto policy to save an average of $1,032 per year.
• Defensive driving: You could qualify for a discount if you are 55 or older and complete a state-approved safety course.
• Smart student discount: Nationwide offers a student discount to young drivers aged 16 to 24 who maintain a B average or better.
• Anti-theft discount: Save if your car has an anti-theft device.
• Paperless and automatic billing: You can get a one-time discount if you set up automatic deductions from your bank account, as well as a recurring discount for opting into paperless documents.

Erie is a regional insurer available in 12 states (and D.C.), including Indiana. It was founded 100 years ago and is based in Erie, Pennsylvania. Although its availability is limited, it is a relatively large insurer and is known for offering competitive rates and stellar customer service.

Excellent Customer Service

Erie has a very strong customer service record in Indiana, making it our top choice for drivers looking for the best customer experience from their auto insurance provider. In J.D. Power’s 2024 Auto Insurance Study, Erie ranked first in the North Central region for customer satisfaction with a score of 710 — it was the only company to earn a score above 700 aside from USAA.

In addition, it ranked third in the country in J.D. Power’s 2024 Claims Satisfaction Study with a score of 733 (the average was 697)². It also earned a spot on the CRASH Network Honor Roll³ with a score of A-, ranking 6th out of 97 insurers. 

Rate Lock

One of Erie’s unique offerings is its rate lock option, which allows policyholders to lock in their rates as long as they don’t add or remove drivers from the policy or move. This prevents yearly premium increases that are common across the board with other insurers. 

If you add or remove coverages, the rate lock will remain in place, but your rate will just be adjusted to reflect the changes. Erie also advertises that you can keep your rate locked even if you file a claim. 

Extra Coverages

A typical policy from Erie includes the standard liability coverages, and you can choose to add comprehensive and collision coverage as well. In addition, Erie has some more unique coverages you can choose to add to your auto policy:

• Pet coverage: This will help cover vet treatment costs if your pet gets hurt in an accident while in your car.
• Roadside & rentals bundle: While most insurers offer these coverages separately, Erie provides them as a package. This includes roadside assistance and rental car reimbursement coverage.
• Personal item coverage: Erie will help pay for the replacement of personal belongings that are damaged in a covered vehicle, including clothing and luggage, up to $350.
• Auto glass repair: Glass Repair is included for free with comprehensive coverage and waives your deductible for glass repairs. Erie also offers Full Window Glass as an add-on, which waives the deductible for both repair and replacement of glass. 
• Auto Plus: Erie Auto Plus is a policy add-on that includes several coverages/benefits: diminishing deductible, a $10,000 death benefit, additional days of transportation expense coverage, waived deductible in certain situations, and increased limits for specific coverages.

USAA caters to the military community with specialized coverage options, discounts, perks, and lower-than-average premiums. In addition to insurance, it offers banking and investment products to U.S. Armed Forces service members, families, and veterans. USAA has a very high customer satisfaction rating in Indiana, according to J.D. Power’s 2024 U.S. Auto Insurance Study; its score of 726 is higher than even the top-ranked insurance provider in the North Central region, Erie, although its limited customer base makes it ineligible for the study award criteria.

Safe-Driving Perks

USAA offers low rates, and you can save with a robust set of safe-driving discounts. USAA offers a telematics-based driver behavior program called SafePilot and defensive driving and driver training discounts.

Membership Requirements

USAA requires an acceptable military document and government-issued identification to sign up for an auto insurance policy. Acceptable documents include:

• DD214 (long version)
• DD Form 4, if you are in a Delayed Entry Program
• Discharge Certificate
• Government-issued ID, such as a driver’s license, ID card, or passport
• Leave & Earnings statement
• Military orders, if you’re actively serving

A whopping 70 percent of housing units in Indiana are occupied by their owners, according to the United States Census, with an average of 2.5 persons per household.⁴ With rising interest rates and inflation, many homeowners are looking for ways to reduce the costs associated with owning property. One way to do so is to bundle your home and auto insurance policies through State Farm.

Bundling Home and Auto

State Farm advertises an average discount of $1,356 annually when you bundle your auto insurance with homeowners insurance, and a discount of up to $834 annually when you bundle auto with renters insurance. Although it doesn’t advertise other discount amounts, you can also save money by bundling auto with a condo or life insurance policy. Homeowners insurance financially protects your family and home from unforeseen incidents, including theft and natural disasters.

Drive Safe & Save Telematics Discount Program

State Farm’s driver behavior program, Drive Safe & Save, can save you up to 30 percent on your auto policy when you practice safe driving habits. After you enroll and download the State Farm app, you’ll receive an automatic 10 percent initial discount. State Farm determines your Drive Safe & Save score from your driving habits and will apply the discount at your next policy renewal. Behaviors the app is tracking for Indiana drivers include braking, acceleration, speed, cornering, and distracted driving.

Rideshare coverage

State Farm topped our list of the best rideshare auto insurance, which is key for anyone driving for services like Uber or Lyft. State Farm is widely available and offers affordable rates for rideshare drivers, though rideshare coverage will be more expensive than a standard policy.

An additional benefit of State Farm’s rideshare coverage is its lower deductible — Uber and Lyft do offer some coverage, but have $2,500 deductibles for collision and comprehensive coverages. If you add State Farm’s rideshare coverage to your auto policy, you’ll pay your State Farm deductible instead of the rideshare company’s deductible in the event of a claim.

Progressive offers cheap auto insurance rates for Indiana drivers with less-than-stellar driving records. We found its rates didn’t increase as much as other providers after a DUI, a situation where it’s notoriously difficult to get reasonable rates. Like all the companies on this list, Progressive offers a usage-based insurance program in Snapshot.

Rates after a DUI

A DUI is a serious driving violation, and it results in serious consequences. In addition to the legal ramifications, a DUI often results in a higher auto insurance premium. Of the providers we analyzed, we found Progressive had the lowest percentage increase after a DUI. The average annual cost of auto insurance with Progressive after a DUI is $1,727 — about $160 more than full coverage insurance.

Highly-Rated Digital Experience

Progressive earned the top spot in J.D. Power’s 2024 U.S. Insurance Digital Experience Study’s Service category with 737 points out of 1,000.⁵ This category accounts for existing customers’ satisfaction with policy-servicing activities on desktop, mobile web, and mobile apps. The survey found that many digital tools don’t make it easy for customers to perform advanced tasks, so Progressive’s top spot is even more impressive. If you like logging in and getting all your auto insurance needs taken care of without talking on the phone, Progressive is a great option.

Safe Driving Snapshot

Progressive’s telematics program, Snapshot, offers a mobile app or plug-in device to track your driving habits. The technology tracks braking, accelerating, driving late, distracted driving, and how much you drive. Progressive will check your driving habits every six months to adjust your rates, so make sure you drive safely, otherwise your rate could actually go up.