Jerry SummaryThe cheapest car insurance in Indiana comes from Safecoand costs $111 per month, according to Jerry’s August 2025 data analysis. The average cost of car insurance in Indiana is$175 per month. Hoosiers’ car insurance rates can vary widely between cities, and based on demographic factors.
From the quiet farm roads of Parke County to rush hour on Interstate 465 loop around Indy, driving is a way of life in Indiana. Whether you’re hauling kids to school in Fishers, commuting to a factory shift in Fort Wayne or heading down to Bloomington for a Hoosiers game, Indiana drivers need cars, and cars need insurance.
Living in the same state doesn’t always mean paying a similar car insurance premium — a driver in Lafayette may see a very different quote than someone in Gary, and even folks living on the same block in Evansville could see big differences.
Indiana drivers generally pay less than the national average for car insurance, but that doesn’t mean the first quote you get will always be the cheapest. We’ve gathered the cheapest car insurance rates for Indiana drivers across different ages, cities and driving histories to help you in your search for coverage that fits at the lowest possible price.
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Where to find the cheapest car insurance in Indiana
Hoosiers pay $111 per month for the cheapest full coverage car insurance, according to Jerry’s analysis of real customer quotes. Safeco offers the best price.
A full coverage car insurance policy is the foundation for the most robust coverage — it includes Indiana’s minimum required insurance, as well as comprehensive and collision.
These two additional insurances make up a full coverage policy. Collision insurance provides coverage if your car is damaged in a crash, regardless of fault — an offering that liability-only insurance does not include. Comprehensive pays for non-car-accident damage, like theft, vandalism, hail or fallen branches.
You typically carry full coverage if you don’t want to pay out-of-pocket to repair or replace your car after an accident. It’s more expensive than the minimum, but most drivers carry full coverage because it provides the most peace of mind.
If you have a loan or lease on your vehicle, the lender will require
These insurers offer the cheapest full coverage car insurance in Indiana.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $111 |
| Aspire Advantage | $111 |
| Geico | $120 |
| Progressive | $132 |
| ROOT | $155 |
| AAA | $162 |
| Clearcover | $171 |
| National General | $175 |
| Electric | $180 |
| Trexis | $188 |
More: Compare cheap full coverage car insurance
Cheapest minimum coverage car insurance in Indiana
Safeco offers the cheapest minimum coverage car insurance in Indiana at $46 per month, according to Jerry’s analysis.
The cheapest car insurance in Indiana is likely to be a minimum coverage policy, but the absolute cheapest policy may not be the right one for you. This coverage only meets Indiana’s minimum car insurance requirements, which include property damage (PD) and bodily injury (BI) liability coverages.
Liability insurance covers others’ damage and injuries after an accident you cause, but there’s no help here for your own car repairs or medical bills.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $46 |
| Geico | $48 |
| Progressive | $56 |
| Trexis | $59 |
| Electric | $62 |
| National General | $66 |
| ROOT | $79 |
| Clearcover | $84 |
| Bristol West | $86 |
| Gainsco | $86 |
More: Get cheap car insurance the smart way, today
These are the insurance requirements for Indiana drivers:
- $25,000 in bodily injury liability per person injured in an accident.
- $50,000 for two or more people injured in one accident.
- $25,000 for damage to other peoples’ property.
New policies also include uninsured and underinsured motorist coverage, but drivers can reject this in writing. These are the minimum limits:
- $25,000 for uninsured motorist bodily injury coverage to one person, and $50,000 to two or more people in an accident
- $25,000 towards property damage
- $50,000 for underinsured motorist bodily injury coverage.
Dropping comprehensive and collision coverages can be a smart move, especially if you drive an older, low-value car that you don’t intend to repair after an accident or if you don’t drive much at all.
However, state-required insurance tends to have low liability limits, which is the maximum amount an insurer will pay after an at-fault accident. For this reason, it’s wise to get quotes for policies with the minimum limits and policies with slightly higher limits — you may find the latter isn’t that much more expensive.
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheap car insurance by age in Indiana
At first, your age is one of the most important data points insurers have about you. With little driving or credit history, insurers weigh young Hoosiers’ ages heavily, and that tends to drive premiums up. Young people are more likely to cause accidents than folks in their 30s and beyond, so young drivers pay the highest rates of anyone.
Your 30s, 40s and 50s are likely to be your most affordable car insurance years. Especially if you have a clean driving record, your premium is likely to be at its lowest during these years.
Finally, in your late 60s and 70s, rates will tick up as insurers anticipate some decline in your driving abilities.
In each stage of life, whether your age is a benefit or a drawback, it’s wise to maintain a habit of regularly shopping for car insurance.
Cheap car insurance for Indiana drivers between 18 and 29 years old
Safeco offers the cheapest car insurance for young Indiana drivers seeking full coverage at $109 per month, according to Jerry's quote analysis.
Full coverage car insurance is often the right choice for Hoosiers between 18 and 29 years old because at this age, you’re still finding your footing as a driver and you may not have the funds to repair or replace your car out of pocket.
It takes a while for most drivers to get good at driving in difficult situations, like heavy storms or snow and ice, and foregoing full coverage while you rack up the miles could leave you vulnerable to a major expense in the future.
Still, insurers price your coverage based on that lack of experience, so expect to shop for quotes at least once per year to find the best rate.
These insurers offer the cheapest coverage for drivers under 30 in Indiana.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $109 |
| AAA | $160 |
| Geico | $168 |
| ROOT | $181 |
| Progressive | $190 |
| Clearcover | $219 |
| Trexis | $242 |
| National General | $252 |
| Electric | $258 |
| The General | $264 |
More: Cheap car insurance for teens
Safeco offers the cheapest car insurance for young Indiana drivers seeking minimum coverage at $43 per month, according to Jerry's quote analysis.
Minimum coverage looks appealing in your 20s because this is a time when many folks have a tight budget and are looking for ways to trim expenses. This type of policy is ideal if you drive infrequently — say you live on campus or within walking distance to your job — or drive an older car. A driver who inherited their parents’ dented 2005 Toyota Corolla may not get their money’s worth from full coverage.
These insurers offer the lowest-cost minimum coverage policies for drivers under 30 in Indiana.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $43 |
| Geico | $64 |
| Trexis | $76 |
| Progressive | $79 |
| Electric | $87 |
| ROOT | $89 |
| National General | $90 |
| Clearcover | $100 |
| Gainsco | $118 |
| The General | $121 |
Though Indiana’s mandated liability limits are about average compared to other states, if those limits aren’t sufficient to pay for all of someone else’s injuries or damages, you may have to come up with the money yourself. To determine whether you could afford higher limits, compare quotes for Indiana’s 25k/50k/25k limits to quotes for a 100k/300k/100k policy.
More: How much car insurance do I need?
Cheap car insurance for 30- to 64-year-old Hoosiers
Indiana drivers between 30 and 64 years old get the cheapest full coverage car insurance from Geico, which charges around$101 per month, according to Jerry's data.
Between 30 and 64, many Hoosiers settle into family life, own homes and drive multiple vehicles, making this a sweet spot for cheap car insurance. Insurers see drivers in this age range as lower risks, especially if you’ve got a clean record.
If you live in suburbs like Carmel or Zionsville, bundling home and auto policies, driving fewer miles and adding safe-driving discounts can all lower your rate. If you’re hauling kids, towing a camper or making weekend drives to IU or Purdue, make sure your policy fits your lifestyle.
Life changes like marriage, a move, or new cars can unlock new savings, so it pays to shop around.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Geico | $101 |
| Progressive | $108 |
| Aspire Advantage | $111 |
| Safeco | $113 |
| ROOT | $143 |
| National General | $144 |
| Liberty Mutual | $146 |
| Electric | $147 |
| Assurance America | $154 |
| Clearcover | $154 |
Cheap car insurance rates for Indiana drivers aged 65 and older
The cheapest full coverage car insurance for Indiana drivers aged 65 and older costs $89 per month and is offered by Progressive, according to Jerry's quote analysis.
In Indiana, many drivers stay on the road well into their 70s to run errands, head to church on Sundays, or visit grandkids in Fort Wayne or Bloomington. But as you age, insurers expect your reaction time to slow and your vision to lose its sharpness, meaning they may raise rates.
Older Hoosiers can save with low-mileage discounts, safe-driver programs and by bundling home and auto insurance. It also provides protection from hail and deer collisions, so it’s a must-have for those with newer cars.
More: Best car insurance for seniors
Here are the cheapest full coverage car insurance rates available to Indiana drivers aged 65 and up.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Progressive | $89 |
| Geico | $90 |
| Safeco | $103 |
| Electric | $125 |
| National General | $125 |
| The General | $134 |
| Clearcover | $137 |
| AAA | $138 |
| ROOT | $147 |
| Bristol West | $150 |
For Indiana drivers in their later years, it’s usually smart to maintain or even raise liability limits. Indiana is a fault state, which means if you cause a crash, you’re financially responsible for the damage. If your liability coverage isn’t high enough to cover the injuries or property damage, your retirement savings or even your home could be at risk.
Many older drivers buy enough insurance to match or exceed their net worth as a way to protect what they’ve worked hard to build.
Paying a little more on your premium can go a long way toward avoiding financial fallout if the unexpected happens.
Cheap car insurance for bad credit in Indiana
The cheapest full coverage car insurance for drivers with poor credit in Indiana comes from Progressive at $142 per month, according to Jerry's quoting data.
Indiana allows insurers to factor in your credit history when setting car insurance rates. For drivers with low credit scores, that can mean higher premiums. Insurers often view poor credit as a sign of higher risk, even if your driving record is clean.
The average credit score in Indiana was 704 in 2024, according to Experian. If your score is significantly below that, you may face steeper rates. But some Indiana insurers offer more affordable full coverage to drivers with poor credit.
If your score improves, don’t forget to shop around because some companies will reward a higher score with lower premiums. And in the meantime, it’s smart to compare quotes from at least a few insurers to find the best rate today.
Here are the cheapest full coverage car insurance options for Indiana drivers with poor credit.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Progressive | $142 |
| Assurance America | $174 |
| National General | $204 |
| Gainsco | $214 |
| Trexis | $215 |
See the lowest minimum coverage rates for Indiana drivers with poor credit
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Trexis | $72 |
| Assurance America | $86 |
| Progressive | $86 |
| National General | $92 |
| Clearcover | $95 |
Cheapest car insurance for Indiana drivers with an at-fault accident
The cheapest full coverage car insurance for Hoosiers with an at-fault accident on their record is from Safeco at $172 per month, according to Jerry’s quoting data.
In Indiana, an at-fault accident almost always leads to higher insurance premiums. Whether it happened on a slippery rural road outside South Bend, a missed yield in one of Carmel’s many roundabouts or during bumper-to-bumper traffic near Indianapolis, your insurer is likely to raise your rate.
But there’s a window of opportunity: Before your policy renews, you can shop for better rates. Some insurers are more forgiving than others when it comes to recent accidents, especially if your overall driving record is clean.
Here are the cheapest full coverage car insurance options for Indiana drivers with an at-fault accident on their record.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $172 |
| Assurance America | $200 |
| Progressive | $201 |
| Mendota | $219 |
| National General | $248 |
The cheapest car insurance for Hoosiers with a speeding ticket
Indiana drivers with a speeding ticket on their record can find the cheapest full coverage with The General, which charges $110 on average, according to Jerry’s quote data.
In Indiana, a speeding ticket can stay on your driving record for up to two years. While a minor offense, like speeding by less than 15 mph may not cause a major spike in your premium, more serious speeding tickets usually will.
If you’ve been ticketed recently, it’s smart to compare quotes before your next renewal. Some insurers are more lenient than others when it comes to minor violations.
Here are the cheapest full coverage car insurance options for Indiana drivers with a speeding ticket on their record.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| The General | $110 |
| National General | $155 |
| Safeco | $165 |
| Progressive | $194 |
| Clearcover | $223 |
Safeco offers the cheapest full coverage car insurance for Indiana drivers with a speeding ticket for driving more than 15 mph over the limit at $215 per month.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $215 |
| Progressive | $226 |
| Assurance America | $238 |
| Clearcover | $250 |
| Electric | $262 |
Cheapest car insurance for Indiana drivers with other types of violations
Insurers weigh violations differently. For example, one company might raise your rates significantly after a distracted driving ticket, while another may be more forgiving.
Because every insurer’s pricing model is unique and often opaque, the best way to find affordable coverage after a ticket is to shop around and get multiple quotes.
More: The average cost of car insurance
Here are some common moving violations and the average full coverage rates Indiana drivers pay after receiving them.
|
Violation Summary
|
Avg Monthly Quote
|
|---|---|
| Illegal Turn | $48 |
| Seat Belt | $65 |
| Careless Driving | $69 |
| Wrong Way/Wrong Lane | $80 |
| Passing School Bus | $121 |
Cheapest auto insurance for Indiana drivers with OWIs
Because driving under the influence greatly increases the risk of serious accidents, insurers view a DUI, or in Indiana’s case an OWI (operating while intoxicated) conviction as a major red flag.
Most insurers will raise your premium significantly after an OWI, and some may refuse to renew your policy. But some insurers specialize in covering high-risk drivers, including those with OWI convictions and those who need an SR-22 form, so if your policy is dropped, you’ll have other options. One way to save money after an OWI is to raise your full coverage policy’s deductible. Just be sure not to raise it above what you can afford to pay out-of-pocket in an emergency.
Trexis offers the cheapest full coverage auto insurance for Indiana drivers with an OWI, at $70 per month, according to Jerry’s analysis.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Trexis | $70 |
| Progressive | $150 |
| Clearcover | $152 |
| Assurance America | $158 |
| National General | $173 |
The cheapest car insurance in Indiana for drivers with an OWI seeking a minimum coverage policy is Assurance America with an average monthly premium of $44.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Assurance America | $44 |
| National General | $78 |
| Trexis | $80 |
| Progressive | $80 |
| Electric | $104 |
How to find the cheapest car insurance in Indiana
Whether you’re driving to work in Indianapolis or navigating back roads in rural Indiana, drivers can find cheap car insurance in Indiana, if you know where to look. Even if you’re satisfied with your current policy, you might be missing out on savings. The only way to know for sure is to compare quotes.
Here are three steps to find the cheapest car insurance in Indiana:
- Choose the right coverage. Indiana’s minimum liability limits are 25/50/25, which meets legal requirements but may fall short in a serious crash. If you have a loan or lease, full coverage is usually required. Optional add-ons like roadside assistance and medical payments coverage are worth considering.
- Compare multiple quotes. Get quotes from at least three to five insurers. Include national carriers and smaller regional ones that operate in Indiana — sometimes lesser-known companies offer surprisingly low rates. Make sure you’re using the same liability limits and coverages for each quote so you’re comparing apples to apples.
- Look for discounts. Discounts vary by insurer, so take the time to explore what’s available. Common discounts in Indiana include bundling home or renters insurance, driving a car with safety features, completing a defensive driving course or maintaining a clean driving record.
Factors affecting car insurance rates in Indiana
Compared to the rest of the country, Indiana drivers pay relatively low car insurance rates. This is commonplace for midwestern states and those with infrequent natural disasters and insurance policy changes.
Here are some of the factors that contribute to cheap car insurance in Indiana.
- Low repair costs: Indiana has a relatively low cost of living, according to data from the Missouri Economic Information and Research Center. Where the cost of living is low, mechanic and medical bills also tend to be low, which helps contribute to cheap car insurance rates.
- Severe weather: Rates are often higher in states that experience frequent severe weather events and natural disasters. In this area, Indiana drivers are lucky but not totally unscathed: The state still freezes over in the winter and takes its fair share of hail damage, which can contribute to higher rates, but as much as frequent hurricanes or tornados might.
- At-fault insurance laws: Indiana is a fault state, meaning the driver found at fault for an accident must pay for damages and injuries. Drivers in at-fault states typically pay lower rates than those in no-fault states because insurers usually pay out fewer claims and lower amounts to drivers in those states.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
