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USAA is the best renters insurance company in Indiana based on the J.D. Power score. It has earned 893 scores out of 1000 from J.D. Power, the highest among the carriers surveyed. However, it offers services only to military members, veterans, and their families.  

If not USAA, you can consider purchasing renters insurance from State Farm, it offers policies at affordable rates and provides excellent customer service to Indiana residents. Besides, it has earned 866 scores from J.D. Power.  

Renters Insurance provides coverage for personal property and liability protection. When it comes to choosing the best renters insurance company, there are a few factors that you should keep in mind that may help you make an informed decision. Keep on reading this guide to know more about the best renters insurance in Indiana.

Best renters insurance companies in Indiana

When it comes to choosing the best renters insurance company in Indiana, you want to make sure that you are comparing apples to apples. Our experts at have compared quotes, coverage options and J.D Power score from all the major insurers in Indiana. Below is the list of best renters insurance companies in Indiana:

  • USAA
  • State Farm
  • American Family
  • Nationwide
  • Allstate

Compare best renters insurance companies in Indiana

When you are looking for the most affordable renters insurance policy in Indiana, it is best to get quotes from different providers before you choose one. Price plays an important role, but Indiana residents should also consider the insurance company's customer service and overall rating before deciding on the one that fits their needs.

Compare the best Indiana renters insurance companies using their J.D Power scores and average rates. 

CompanyJ.D. Power scoreAverage annual rate
State Farm866$219
American Family838$319

How much is renters insurance in Indiana

The average annual premium for renters insurance in Indiana is $306, this means Indiana residents pay an average of $25 for renters insurance monthly. These prices are for Indiana renters who buy liability coverage of $100,000, personal property coverage of $40,000, and a deductible of $1,000. 

Average annual premiumAverage monthly premium

10 Most expensive zip codes in Indiana for renters insurance

If you're a renter in Indiana, protecting your household contents and finances with renters insurance is a necessity. The premiums you pay for renters insurance will be determined by many factors including your zip code. 

Some areas have higher rates for renters insurance than others as crime rates and the incidence of claims in your area affect how much you pay for your policy. It's important to get quotes from several renters insurance providers before making any decision. 

We have gathered quotes from major insurers across all the zip codes and found that the most expensive zip code in Indiana for renters insurance is 46402, its average cost is $387 a year.  

Find below the list of the 10 most expensive zip codes in Indiana along with their average annual renters insurance premium costs. 

ZIP codeAverage annual rate

10 Least expensive zip codes in Indiana for renters insurance

Indiana renters insurance rate is the least expensive for the zip code 46741, its average annual rate is $281, based on's rate analysis.

Below is a list of the ten least expensive ZIP codes in Indiana along with their average renters insurance rates

ZIP codeAverage annual rate

Cheap renters insurance in Indiana by carrier

Renters insurance is designed to protect a renter's personal possessions against damage or theft. When finding cheap renters insurance in Indiana by carrier, it is easy to be overwhelmed with the many options available. But don't worry we have got you covered, we have compared renters insurance costs from major insurance providers in Indiana and prepared a list of cheap renters insurance companies. 

Among the carriers surveyed, Depositors Insurance is the cheapest insurance company that offers renters insurance policies at $160 a year, on an average to renters in Indiana. Find below renters insurance rates of other cheapest renters insurance companies in Indiana.

Company nameAverage annual premium
Depositors Insurance$160
State Farm$211
American Family$302
United Farm Family$400
Property Owners$587