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GEICO Advantage offers the cheapest auto insurance rates in Indiana at about $651 a year or $54 monthly for an average driver profile. However, many factors go into deciding your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select as metrics to determine your average annual car insurance cost.

Best auto insurance companies in Indiana

Based on Insurance.com's rate analysis, The Auto Club Group (ACG) – AAA is our top pick for the best auto insurance company in Indiana. It has earned 4.1 auto star rating, highest among the carriers surveyed. Apart from The Auto Club Group (ACG) – AAA, Auto-Owners, Farmers, Nationwide and Hartford are the other top performers on the list of best car insurance companies.

Compare insurance providers based on their auto star ratings and decide which one is the right option for you.

CompanyAuto star ratings
The Auto Club Group (ACG) – AAA4.1
Auto-Owners4.0
Farmers3.9
Nationwide3.8
Hartford3.7
Erie3.6
Allstate3.4
The General3.3
State Farm3.2
CSAA Insurance Group3.1

Cheapest car insurance companies in Indiana

Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.

We have gathered price quotes from all the major insurance providers in Indiana and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, GEICO Advantage is the cheapest auto insurance company in Indiana that offers insurance policies at $651 annually or $54 a month, on average.

CompanyAverage annual premiumAverage monthly premium
GEICO Advantage$651$54
United Svcs Automobile Assn$741$62
American Family$955$80
Depositors$1,017$85
State Farm Mutl Automobile Ins$1,047$87
Standard Fire$1,059$88
Auto-Owners$1,332$111
Progressive Paloverde$1,508$126
Farmers New Century$1,640$137
Allstate P&C$1,964$164
Metropolitan P&C$1,969$164

Cheapest car insurance cost in Indiana for teens

Geico is the cheapest car insurance company in Indiana for teen drivers. Its average annual premium for teenagers is $2,265 or $189 a month.

The difference in costs between the teen and adult group is significant. Drivers in the youngest age group pay more than the drivers in the oldest age group. There are several reasons for this difference. Teen drivers are more likely to be involved in accidents and to make claims on their insurance policies. They are also more likely to be driving illegally without insurance. All these reasons lead to higher insurance rates for teenage drivers.

CompanyAverage annual premium
Geico Cas Co$2,265
State Farm Mut Auto$3,187
Progressive Paloverde$4,041
Depositors$4,616
Allstate Prop & Cas$6,158
Farmers New Century$7,701

Cheapest car insurance cost in Indiana for young adults

Geico is the cheapest car insurance company in Indiana for young adults, based on Insurance.com's rate analysis. Its average annual premium is $1,092 or $91 a month.

The insurance rates for young drivers are more expensive than adult drivers because they have a short history of safe driving and lack of experience on the road.

If you’re a young driver and still studying and looking for ways to save on your car insurance, make sure you take advantage of the discounts for which you are eligible. And for those who aren't students anymore, they can avail themselves of other discounts offered by insurance companies to save on their insurance premium.

CompanyAverage annual premium
Geico Cas Co$1,092
Progressive Paloverde$1,448
State Farm Mut Auto$1,787
Depositors$2,231
Farmers New Century$2,671
Allstate Prop & Cas$2,680

Cheapest car insurance cost in Indiana for adults

Geico is the cheapest car insurance company in Indiana for adults. Its average annual premium is $814 or $68 a month.

When most drivers reach their mid 20s, they enjoy cheaper car insurance rates than in their teen years and early 20s. Still, the cost of car insurance varies due to factors such as a person’s driving record and the make or model they drive.

Adult drivers can lower the cost of auto insurance by shopping around and availing themselves of any discounts available. Another way to save on your premium is by insuring more than one vehicle with the same company, or by bundling your home and auto insurance policies.

CompanyAverage annual premium
Geico Cas Co$814
Progressive Paloverde$819
State Farm Mut Auto$1,059
Depositors$1,228
Farmers New Century$1,527
Allstate Prop & Cas$1,854

Cheapest car insurance cost in Indiana for seniors

Progressive Paloverde is the cheapest auto insurance company for senior drivers in Indiana. Its average annual premium is $734 or $61 a month.

Insurance companies charge mature drivers much less than they do for teen drivers, but as drivers get into their senior years, a lot of those discounts dry up. You can save a lot of money by comparing car insurance rates. Senior drivers might be able to save hundreds of dollars on their insurance premium by shopping around.

CompanyAverage annual premium
Progressive Paloverde$734
Geico Cas Co$763
State Farm Mut Auto$998
Depositors$1,134
Farmers New Century$1,408
Allstate Prop & Cas$1,808

Cheapest Car Insurance Companies in Indiana by Driver Profile

While location is a major factor in determining your car insurance rates, your driving profile also plays a role. Some drivers struggle with a bad driving record, but a clean record doesn't have to hurt your wallet. If you have been convicted of any traffic violations or have multiple accidents under your belt, then your auto insurance rates may skyrocket.

Make sure you compare rates of insurance companies to find the best policy for you. No matter what your driving history looks like, you can still find affordable coverage in Indiana.

Cheapest auto insurance for drivers with poor credit: Geico

Geico is the cheapest car insurance company for drivers a with poor credit score. Its average annual premium is $1,139 or $95 a month. It's important to know that your credit score can affect your rates with insurers. One company might charge more because of your poor credits, but another could offer the same coverage for less money. The best way to get lower rates is by getting multiple quotes from different companies and seeing which one offers a better price

CompanyAverage annual premium
Geico$1,139
Depositors$1,504
United$1,679
American Family$2,186
Standard Fire$2,293
Auto-Owners$2,456
Farmers Ins$2,514
State Farm$2,716
Progressive$3,039
Allstate$3,083
Metropolitan$6,181

Cheapest auto insurance for drivers with a speeding tickets: United

United is the cheapest car insurance company for drivers with a speeding ticket. Its average annual rate for Indiana drivers is $1,152, based on a rate analysis by Insurance.com.

If you get a speeding ticket, your car insurance rates might go up. However, how much a speeding ticket affects your rates will depend on the type of violation, insurance company’s pricing strategy and regulations in your state.

The data below shows the companies that offer cheap insurance rates for drivers with a speeding ticket in Indiana.

CompanyAverage annual premium
United$1,152
State Farm$1,187
Geico$1,708
Depositors$1,850
Standard Fire$1,876
Auto-Owners$1,909
American Family$1,945
Farmers Ins$2,132
Progressive$2,869
Allstate$2,879
Metropolitan$4,025

Cheapest auto insurance after at-fault accident: United

United is the cheapest car insurance company for drivers with an accident record. Its annual average cost for drivers with an at-fault bodily injury accident is $1,323. The only way to get cheap car insurance after an accident is by comparing rates. So, don't forget to compare insurers based on their average annual premium to get an affordable rate.

CompanyAverage annual premium
United$1,323
American Family$1,421
State Farm$1,491
Auto-Owners$1,704
Geico$1,718
Standard Fire$1,877
Depositors$1,932
Farmers Ins$2,400
Progressive$3,571
Allstate$3,676
Metropolitan$5,022

Cheapest auto insurance after a DUI: State Farm

The cheapest car insurance company for drivers with a DUI is State Farm. Its average premium cost is $1,367 or $114 a month.

When you get pulled over for driving under the influence, your insurance rates are going to skyrocket. This is because it signals that drivers with a DUI have a higher chance of getting into accidents. A DUI conviction can have a huge impact on your insurance rates, but shopping around may help you save money.

CompanyAverage annual premium
State Farm$1,367
United$1,429
Geico$1,734
American Family$1,945
Standard Fire$1,962
Progressive$2,321
Farmers Ins$2,346
Depositors$2,441
Allstate$2,891
Auto-Owners$3,250
Metropolitan$5,882

Average cost of car insurance in Indiana

The average car insurance rate in Indiana is $1,262 a year for a full coverage policy with coverage level of 100/300/100 for a driver age 30, according to a rate analysis by Insurance.com. That’s -$194 more than the national average $1,456. For the state minimum coverage, the average annual cost in Indiana is $405.

State minimum average annual rateFull coverage average annual rate
$405$1,262

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