Compare Cheap Auto Insurance in Indiana

The cheapest full coverage auto insurance in Indiana is offered by USAA at $1,139 annually on average —38 percent lower than the state average of $1,828 annually. However, USAA is only available to military-affiliated drivers. Hastings Mutual comes in second place with an average annual rate of $1,203.

USAA has the cheapest average rates for minimum coverage in the Hoosier State at $324 per year, which is 42 percent below the statewide average. Auto-Owners and Progressive also offer affordable rates at $402 annually and $464 annually, respectively.

Teen auto insurance is more expensive on average than coverage for other age groups due to their inexperience on the road. In Indiana, USAA has the cheapest average premium for teens at $2,968 per year, which is 40 percent cheaper than the statewide average. However, teens must be affiliated with the military, either themselves or via their parents, to be eligible for USAA. GEICO and Travelers have the next cheapest rates at $3,896 per year and $4,656 per year, respectively.

Drivers in Indiana with a speeding ticket who are eligible for USAA can benefit from the affordable rates offered by this provider, which has an average rate of $1,293 per year. Nonmilitary drivers can still find competitive rates from Auto-Owners and Travelers, whose rates are 28 percent and 27 percent below the state average, respectively.

USAA also offers the cheapest rates for Indiana drivers with an at-fault accident at $1,445 annually, which is 40 percent cheaper than the state average. Drivers not eligible for USAA may find the best rates from Travelers and Auto-Owners.

USAA and Progressive offer the cheapest rates for drivers in Indiana with a DUI, with average annual premiums of $1,674 and $1,697. Progressive was named the best auto insurance provider for drivers with DUIs in our 2025 analysis. Travelers and State Farm also offer affordable rates at $1,962 and $2,639 annually on average. Insurance premiums can increase by an average of 68 percent following a DUI conviction in Indiana, so getting a good deal is especially important.

Drivers with poor credit pay significantly more on average for car insurance than those with excellent credit. USAA’s average annual premium of $1,722 is the lowest for drivers with poor credit in Indiana, followed by Travelers at $2,256 annually and Progressive at $2,376 08 annually.

While cost is a very important metric when evaluating car insurance policies, customer service experience is worth considering as well. In Indiana, Erie has the strongest customer satisfaction ratings for nonmilitary drivers, while USAA is best for military drivers. Erie pricing data isn’t available in Indiana, but it tends to be cheaper than average in other states. Get a quote to find out how much you’ll pay.

• Compare rates: Always get quotes and compare rates from at least three different companies as rates can vary widely. This way, you can make sure you’re getting a good deal.
• Bundle policies: Most insurers provide savings opportunities for purchasing more than one type of insurance policy from them. If you’re in the market for more than just auto insurance, including home or renters insurance, get quotes for both so that you can take advantage of any bundling discounts.
• Drop unnecessary coverages: Every coverage you add to your auto policy increases your premium. While many of these may be necessary for you, evaluate whether it may make sense to drop any. For example, if you have an older car, full coverage may no longer be worth paying for. If you have roadside assistance via a program like AAA, you may not need to pay for that through your auto insurance as well.
• Lower your liability limits: Similar to dropping coverage, decreasing your limits for bodily injury and/or property damage liability will lower your premium. However, before doing so, make sure the lower rate is worth potentially having to pay more out of pocket if your low coverage limits are not able to cover a future claim.

Your auto insurance premiums can change based on where you live in Indiana. For example, average rates are highest in the capital of Indianapolis at $2,186 per year, which is almost 20 percent higher than the Indiana average. However, rates in Carmel are slightly lower than the state average, at $1,818 annually.

Indiana law requires drivers to have an auto insurance policy with at least the following bodily injury and property damage liability limits:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $25,000 per accident

Indiana’s minimum coverage limits are in line with many other states and offer a basic level of financial protection, but they may fall short if you cause an accident and need to file a claim. To help mitigate financial risk and prevent having to pay an exorbitant amount out of pocket, plan to get higher liability limits if possible. It’s also a good idea to opt for full coverage if you want to cover damages to your own vehicle, as this is not included in minimum coverage.

We analyze average auto insurance premiums in Indiana for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with speeding tickets, DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible