Best home insurance company in Indiana: Travelers
The best home insurance company in Indiana for 2026 is Travelers. Travelers, State Farm, Indiana Farmers Insurance, Auto-Owners, American Family, and Erie Insurance are among the top home insurance companies in Indiana based on price, NAIC complaints, and AM Best financial ratings.
The total Insurance.com score is calculated out of five points, based on the factors shown in the table below
Cheapest home insurance company in Indiana: Indiana Farmers Insurance
Below are Indiana home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible.
Based on our analysis, Indiana Farmers Insurance is the cheapest home insurance company for almost all coverage levels. At $2,187 per year, Indiana Farmers Insurance offers the most affordable home insurance for $300,000 dwelling coverage.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| American Family | $2,291 | $2,759 | $3,173 | $3,970 | $5,280 |
| Auto-Owners | $2,821 | $3,826 | $4,848 | $6,234 | $8,887 |
| Erie Insurance | $2,355 | $3,174 | $3,861 | $5,129 | $7,303 |
| Farmers | $2,660 | $3,566 | $4,559 | $6,281 | $9,809 |
| Indiana Farmers Insurance | $1,601 | $2,187 | $2,784 | $3,931 | $5,491 |
| Nationwide | $2,530 | $3,384 | $4,199 | $5,753 | $8,234 |
| State Farm | $2,027 | $2,515 | $2,809 | $3,776 | $4,950 |
| Travelers | $2,742 | $3,416 | $3,963 | $4,983 | $6,871 |
| USAA | $1,597 | $2,085 | $2,508 | $3,307 | $4,284 |
*USAA only provides coverage to military members, veterans and their families.
Average home insurance cost in Indiana
The average cost of homeowners insurance in Indiana is $2,869 a year or $239 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Indiana homeowners insurance companies to get the best deal.
Indiana home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Indiana to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
The Indiana Department of Insurance says...
Remember that the amount of insurance on your home is the basis on which the other policy coverages are determined. Insured amounts on personal property, other unattached structures (such as garage, shed, etc.), and additional living expenses (in case damage makes your home temporarily unlivable) are all set percentages of the amount of insurance on your home. Those percentages can usually be increased with a minor premium adjustment.
For example, your contents are typically covered for 50% of the amount on the dwelling. If your policy provides $100,000 insurance on your home, your contents will be insured for $50,000.
The most expensive ZIP codes in Indiana for home insurance
Indiana homeowners insurance rates are the most expensive for ZIP code 46405, with an average annual cost of $3,281.
The most expensive ZIP codes in Indiana are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Lake Station | 46405 | $3,281 |
| Spurgeon | 47584 | $3,229 |
| Otwell | 47564 | $3,223 |
| New Goshen | 47863 | $3,220 |
| Ireland | 47545 | $3,217 |
| Jeffersonville | 47190 | $3,216 |
| Koleen | 47439 | $3,214 |
| Hymera | 47855 | $3,213 |
| West Newton | 46183 | $3,212 |
| Bethlehem | 47104 | $3,210 |
The least expensive ZIP codes in Indiana for home insurance
The cheapest ZIP codes for home insurance in Indiana are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Granger | 46530 | $2,298 |
| Fort Wayne | 46818 | $2,319 |
| Perry | 46845 | $2,321 |
| Fort Wayne | 46835 | $2,330 |
| Fort Wayne | 46804 | $2,368 |
| Leo-Cedarville | 46765 | $2,370 |
| Huntington | 46750 | $2,373 |
| Washington | 46507 | $2,376 |
| Mishawaka | 46544 | $2,376 |
| Fort Wayne | 46808 | $2,382 |
Indiana homeowners insurance rates by county
Home insurance rates in Indiana vary by county. Take a look at the average rates by county in Indiana below to compare costs.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Adams | $2,655 | $221 |
| Allen | $2,436 | $203 |
| Bartholomew | $2,905 | $242 |
| Benton | $2,845 | $237 |
| Blackford | $2,778 | $232 |
| Boone | $3,018 | $252 |
| Brown | $2,955 | $246 |
| Carroll | $2,845 | $237 |
| Cass | $2,812 | $234 |
| Clark | $3,075 | $256 |
| Clay | $3,114 | $260 |
| Clinton | $2,847 | $237 |
| Crawford | $3,073 | $256 |
| Daviess | $3,111 | $259 |
| Dearborn | $2,766 | $230 |
| Decatur | $2,980 | $248 |
| DeKalb | $2,492 | $208 |
| Delaware | $2,909 | $242 |
| Dubois | $3,071 | $256 |
| Elkhart | $2,443 | $204 |
| Fayette | $2,899 | $242 |
| Floyd | $3,044 | $254 |
| Fountain | $2,940 | $245 |
| Franklin | $2,833 | $236 |
| Fulton | $2,786 | $232 |
| Gibson | $3,111 | $259 |
| Grant | $2,830 | $236 |
| Greene | $3,111 | $259 |
| Hamilton | $2,941 | $245 |
| Hancock | $3,048 | $254 |
| Harrison | $3,016 | $251 |
| Hendricks | $3,041 | $253 |
| Henry | $2,980 | $248 |
| Howard | $2,817 | $235 |
| Huntington | $2,611 | $218 |
| Jackson | $3,051 | $254 |
| Jasper | $2,780 | $232 |
| Jay | $2,786 | $232 |
| Jefferson | $2,963 | $247 |
| Jennings | $2,990 | $249 |
| Johnson | $2,978 | $248 |
| Knox | $3,094 | $258 |
| Kosciusko | $2,537 | $211 |
| LaGrange | $2,614 | $218 |
| Lake | $2,733 | $228 |
| LaPorte | $2,587 | $216 |
| Lawrence | $3,006 | $251 |
| Madison | $2,906 | $242 |
| Marion | $3,072 | $256 |
| Marshall | $2,646 | $220 |
| Martin | $3,053 | $254 |
| Miami | $2,725 | $227 |
| Monroe | $2,827 | $236 |
| Montgomery | $2,888 | $241 |
| Morgan | $3,005 | $250 |
| Newton | $2,865 | $239 |
| Noble | $2,533 | $211 |
| Ohio | $2,915 | $243 |
| Orange | $3,001 | $250 |
| Owen | $3,011 | $251 |
| Parke | $3,025 | $252 |
| Perry | $2,959 | $247 |
| Pike | $3,177 | $265 |
| Porter | $2,687 | $224 |
| Posey | $3,093 | $258 |
| Pulaski | $2,787 | $232 |
| Putnam | $2,954 | $246 |
| Randolph | $2,806 | $234 |
| Ripley | $2,922 | $244 |
| Rush | $2,912 | $243 |
| Scott | $2,961 | $247 |
| Shelby | $3,004 | $250 |
| Spencer | $3,077 | $256 |
| St. Joseph | $2,473 | $206 |
| Starke | $2,749 | $229 |
| Steuben | $2,442 | $203 |
| Sullivan | $3,162 | $263 |
| Switzerland | $2,871 | $239 |
| Tippecanoe | $2,579 | $215 |
| Tipton | $2,900 | $242 |
| Union | $2,846 | $237 |
| Vanderburgh | $3,001 | $250 |
| Vermillion | $3,064 | $255 |
| Vigo | $3,105 | $259 |
| Wabash | $2,727 | $227 |
| Warren | $2,857 | $238 |
| Warrick | $3,052 | $254 |
| Washington | $3,035 | $253 |
| Wayne | $2,817 | $235 |
| Wells | $2,674 | $223 |
| White | $2,725 | $227 |
| Whitley | $2,526 | $211 |
Compare homeowners insurance rates by city in Indiana
Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns and construction costs. Take a look at the rates in various Indiana cities below for comparison.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
FAQ: Indiana homeowners insurance
How do I get a quote for Indiana home insurance?
To find the cheapest home insurance in Indiana, you can use our homeowners insurance calculator to find sample costs for your area and shop for the best homeowners insurance in Indiana for your personal needs.
Compare Indiana homeowners insurance rates with other states
