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The information on this site does not modify any insurance policy terms in any way. Indiana had 4, d drivers on the road inthe most recent year with available data. Indiana, like most states, requires drivers to carry car insurance to legally drive on its ro. Because it is a required expense, many Hoosiers want to find cheap car insurance in Indiana. Although Hoosiers already pay less than the national average for auto insurance, knowing which carriers tend to offer the cheapest auto insurance in Indiana could help you to save even more.
Indiana drivers have a lot of great options when it comes to finding the cheapest car insurance. Bankrate used Quadrant Information Services to obtain current quoted premiums from Indiana insurance companies. We then identified which providers had the cheapest coverage while still offering plenty of coverage options and maintaining strong financial stability and customer satisfaction ratings.
Although USAA does offer the cheapest average minimum and full coverage premiums in Indiana, the company currently only serves both active and retired military, as well as their immediate family members. If you qualify for coverage, USAA could be a good option for your car insurance. Although it is not officially eligible for ranking by J. Power due to its eligibility restrictions, USAA did receive the highest of points in the U.
USAA also offers discounts to help policyholders save even more. You may be able to earn a discount by garaging your vehicle on a military base, being a loyal customer, driving safely or owning a new vehicle. USAA is a member-based organization that offers advantages other than insurance coverage. By ing, you could gain access to insurance products, banking services, investment options and financial guidance.
Learn more : State Farm Insurance review. Erie ranked highly in the J. Power U. The company offers several unique features on its auto insurance policies, including pet coverage and personal items coverage. This feature keeps your premium level, meaning you will not be charged for an accident or see your premium creep up year after year. The cost of your auto insurance will only change if you make certain adjustments to your policy, like adding or removing a car or driver. Learn more : Erie Insurance review.
Auto-Owners offers insurance products in 26 states, including Indiana, through a network of independent agents. If you have a classic vehicle or a vehicle that has been converted or modified, Auto-Owners may be a good fit for your auto insurance, as the company offers options for these types of vehicles. You may be able to save money on your car insurance by taking advantage of numerous discounts, including paid in full, multi-policy and advanced quote.
Learn more : Auto-Owners Insurance review. Although Geico is not the lowest provider on our list, the company offers the most extensive list of discounts. You may be able to save by being a federal employee, a military service member, using your seatbelt and being a safe driver. If you like to handle your policy online or on an app, Geico could be a good option. The company offers a robust customer service portal on its website.
The mobile app allows customers to file claims, pay bills, print ID cards and even call for roide assistance. Learn more : Geico Insurance review. Indiana drivers are required to carry at least the state-required minimum liability limits to drive legally. This means that in an accident your provider will cover up to:. Choosing minimum coverage limits may help you pay a lower premium, but insurance experts generally advise higher liability limits or even full coverage if you can afford it.
If you cause an accident, minimum liability limits are often too low to cover the full amount of damages. This could leave you with high out-of-pocket expenses. Additionally, minimum coverage does not provide any coverage for your vehicle; you need to add comprehensive and collision to obtain that coverage. If you have a loan or lease, your lender will likely require you to have full coverage auto insurance.
If you are looking for the cheapest insurance in Indiana, getting quotes from numerous companies is often helpful. Every company uses a series of factors to calculate how much you will pay for a policy with them. Such factors include things like driving history, location, type of car and marital status. However, each company weighs the importance of each factor differently. Therefore, something like your marital status may be less important with one company than it is with another. This is why it is so important to shop around and to get quotes from multiple companies. Comparing discounts is also a great way to determine if a company is the right fit for you.
Each company offers different discounts. If you can find a company that offers several discounts that you can use, you may be able to lower your premium. Most companies list discounts online, but you could also call an agent to confirm which discounts you may be able to apply to your policy. In addition to choosing your company and discounts wisely, there are other ways to save.
If you have decided to purchase comprehensive or collision coverage, you could increase the deductibles on these coverages. Your deductible is the amount you will pay out of pocket if you file a claim.
Generally, the higher your deductible, the lower your premium. However, be sure to have your agent quote this change before you make it, as it does not always save a ificant amount. Also, be sure to choose a deductible level you can reasonably afford to pay if you file a claim. Increasing your credit score, keeping your driving record clean and driving a cheap car may also help to keep your premium low.
Because insurance is personal and depends on individual factors, the same company may not suit every customer. To find the best car insurance in Indiana for your needs, compare quotes and coverage options from multiple insurers, a tried and tested way of getting good deals on auto insurance. Customer reviews and third-party ratings can also point you to the best insurance providers in your city. Inthere werecar crashes in Indiana, with the highest s occurring in Marion, Lake and Allen counties.
These are all metropolitan areas, so there is likely a high concentration of vehicles on the ro. In that same year, people were killed in motor vehicle accidents and 46, suffered non-fatal injuries. No, uninsured motorists coverage is not a requirement for Indiana drivers. However, you must be offered this coverage when you request a quote, and you must reject it in writing if you choose not to purchase it. Most insurance professionals recommend this coverage, though, to give you financial protection in the event that you are hit by someone who has no insurance.
Quoted rates are based on a year-old male and female driver with a clean driving record, good credit and the following full coverage limits:. Our base profile drivers own a Toyota Camry, commute five days a week and drive 12, miles annually. How We Make Money. Lauren Ward. Written by. Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews. She covers auto, homeowners, and life …. Edited By Aylea Wilkins. Edited by. Aylea Wilkins.
Aylea Wilkins is an editor specializing in personal and home equity loans. She has ly worked for Bankrate editing content about auto, home and life insurance. She has been …. Share this. Bankrate Logo Why you can trust Bankrate. We guide you throughout your search and help you understand your coverage options. We reduce industry jargon so you get the clearest form of information possible.
Bankrate Logo Editorial Integrity. Key Principles We value your trust. Bankrate Logo Insurance Disclosure. From Lauren. She covers auto, homeowners, and life insurance, as well other topics in the personal finance industry.
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