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The Best Auto Insurance in Indiana

Browse our picks for customers in the Hoosier State.

Best Auto Insurance for High-Risk Drivers in Indiana
Allstate Logo 2023

When your driving record isn’t pristine, you pay for it in higher auto insurance rates. Allstate’s pay-per-mile insurance program, Drivewise, keeps your premium low even after an incident — and helps you learn safer driving habits in the process.

Best Auto Insurance for Safe Drivers in Indiana
USAA Logo 2023

USAA’s membership is exclusive, but its safe driving discounts are favorable for eligible drivers.

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Indiana offers visitors and residents access to 24 state parks with more than 7,500 campsites and the iconic Indiana State Fair in Indianapolis every summer. It is generally one of the more affordable states in which to insure vehicles, although costs can get high if you have a bad record or need specialized coverage. This Midwestern enclave is home to 6.8 million people and 4.6 million licensed drivers, all of whom need liability coverage at a bare minimum to drive legally. Below are our top three auto insurance providers for drivers in Indiana.

Summing Up The Best Auto Insurance in Indiana

  1. 1.

    Best Auto Insurance for High-Risk Drivers in Indiana: Allstate

  2. 2.

    Best Auto Insurance for Safe Drivers in Indiana: USAA

  3. 3.

    Best Home and Auto Insurance Bundle in Indiana: Liberty Mutual

Comparison of the Best Auto Insurance in Indiana

Annual cost of full coverage auto insurance Annual cost of minimum coverage auto insurance Usage-based insurance Bundling discount Homeowners insurance Safe driving discounts Review
Allstate $1,640 $783 Yes Yes Yes Yes Allstate review
USAA $907 $253 Yes Yes Yes Yes USAA review
Liberty Mutual TBD TBD No Yes Yes Yes Liberty Mutual review


We have a whole page dedicated to car insurance requirements and laws in Indiana.

Detailed List of the Best Auto Insurance in Indiana

1. Best Auto Insurance for High-Risk Drivers in Indiana - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

If you’re high risk, either because you’re young and/or inexperienced or because you have multiple traffic violations on your record, then your auto insurance premium will be higher than average. Allstate offers robust coverage options to keep you whole and usage-based insurance to keep your costs down. That’s why 16 million people in the United States use Allstate.

ProsWho It's Best For
  • pro
    People who drive fewer than 10,000 miles per year
  • pro
    Teen drivers and students
  • pro
    Customers seeking add-on coverages like accident forgiveness and reduced deductibles
ConsWho It's Not Best For

Coverage options

Just because Indiana’s minimum coverage requirements are low, doesn’t mean you shouldn’t opt for more coverage. Low limits make insurance affordable, but liability insurance does not cover your injuries and damages. Allstate provides coverage for cars, motor homes, RVs, and classic cars, among other products. You can also add the following coverage options:

  • Collision
  • Comprehensive
  • Medical payments
  • Mexico coverage
  • Uninsured/underinsured motorist coverage
  • 24/7 roadside assistance
  • Windshield and glass repairs
  • Rental reimbursement
  • Umbrella policy

Discounts for High-Risk Drivers

Allstate’s safe driving discounts can apply to your premium even if you have a poor driving record (or no driving history). There are also numerous other discounts Allstate offers that you may be eligible for. Check online or with a local agent; they’re everywhere from Anderson to Wolcottville.

These are the 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 up to 25 percent.
  • New-car discount: This applies if your vehicle is the current model year or one year older and you are the original owner.
  • Smart student discount: Allstate offers several ways to achieve a student discount, including maintaining a GPA of 2.7, completing a driver’s education program, and garaging your car at home while you go to college in another city or state.
  • Vehicle equipment discount: Save on your premium if your car has an anti-theft device.
  • Paid-in-full discount: This may be self-explanatory, but you will save money if you pay your policy in full or if you have not received a cancellation notice for nonpayment in the past year
  • Paperless and automatic billing: Allstate gives you a discount if you go green by setting up automatic withdrawals for your premium or ePolicy documents.


Allstate has our favorite pay-per-mile insurance mobile app: Drivewise. The safe driving program provides insights into how you drive and rewards you for driving safely with discounts on your premium. This program can help young, inexperienced drivers build up safe habits. It also includes Crash Detection, which sends assistance if you are in an accident.


Always keep physical or digital proof of insurance with you while driving. Failure to show it to the police for any reason could result in license and registration suspensions, fees, or an SR-22.

2. Best Auto Insurance for Safe Drivers in Indiana - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

USAA caters to a very specific clientele with specialized coverage options, discounts, perks, and lower-than-average premiums. It offers insurance, 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 2023 survey; its score of 878 is higher than even the top-ranked insurance provider in the North Central region, although its limited customer base makes it ineligible for the study award criteria.1

ProsWho It's Best For
  • pro
    Safe drivers
  • pro
    Active duty and deployed military members
  • pro
    Rideshare drivers
ConsWho It's Not Best For
  • con
    Non-USAA members
  • con
    Non-military members, veterans, and military families

Safe-Driving Perks

USAA offers low rates in general, but you can also save with a robust set of safe-driving discounts. USAA offers a telematics-based driver behavior program called SafePilot, as well as 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
3. Best Home and Auto Insurance Bundle in Indiana - Liberty Mutual

What We Like Most:

  • Save up to 30 percent with driver monitoring program
  • Cheap average rates
  • Over 2,000 local agents throughout the U.S.

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.2 With rising interest rates and inflation, it’s safe to say most 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 Liberty Mutual. It offers the most savings opportunities for homeowners and customers who bundle with auto.

ProsWho It's Best For
  • pro
  • pro
    People who recently purchased a new car or home
  • pro
    Motorcycle owners who want to bundle with homeowners insurance
ConsWho It's Not Best For
  • con
    Rideshare drivers
  • con
    RV owners

Bundling Home and Auto

Liberty Mutual offers a discount of 10 to 25 percent when you bundle your auto insurance with homeowners, condo, renters, or motorcycle insurance. It also has a discount for homeowners without bundling. Homeowners insurance protects your family and your home from unforeseen incidents, including theft and natural disasters.

RightTrack Driver Monitoring Program

Liberty Mutual’s driver behavior program, RightTrack, can save you up to 30 percent on your auto policy when you practice safe driving habits. After you enroll and download the app, you’ll enter a 90-day monitoring period and receive an automatic 10 percent initial discount. Liberty Mutual determines your RightTrack score from your driving habits and applies it to your policy at the end of the three months. Behaviors the app is tracking for Indiana drivers include braking, acceleration, nighttime driving, rush hour driving, frequency at lower speeds, and distracted driving.

Partner Programs

Liberty Mutual partners with over 15,000 companies and organizations, such as the Autism Society of America and the Navy Federal Credit Union. Homeowners receiving insurance through one of these affinity partnerships receive lower annual premiums, program support from trained representatives, and easy payment options.


We chose the best auto insurance providers for Indiana drivers using the following research methods:

  • Company information: We analyze information about each company provided directly and through third-party rating organizations. That’s how we learn about the coverage options, discounts, and auto insurance rates each company offers across different states and cities.
  • Proprietary data: We use our data from over 20 years of auto insurance transactions to find out which customers had success with which companies.
  • Institutional knowledge: We know how to place customers with the auto insurance provider that fits their needs best through decades of institutional knowledge amassed at We consult with Paul Ford, the president of insurance at Centerfield,’s parent company, leveraging his extensive knowledge from three decades in the insurance industry and tenures at Canadian Access, Inslogic, Capital One Insurance Services, NetQuote, Bankrate, and Datalot.

Indiana Auto Insurance FAQ

What is the minimum required insurance in Indiana?

Indiana requires liability coverage. You need bodily injury coverage of $25,000 per person/$50,000 per accident and property damage liability of $25,000.

How much is car insurance in Indiana per month?

Car insurance costs an average of $64 per month, which is 27 percent lower than the national average.

Which company has the cheapest full coverage insurance in Indiana?

USAA’s full coverage auto insurance in Indiana costs an average of $907 per year for eligible drivers.


  1. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds. J.D. Power. (2023, Jun 13).

  2. QuickFacts Indiana. United States Census Bureau. (2024).