10 Best Auto Insurance Companies in Indiana for 2025 (Top Providers in IN)
State Farm, Allstate, and Progressive are the best auto insurance companies in Indiana. State Farm is great for families with multiple drivers. Allstate gives up to 25% off when you bundle, and Progressive helps high-risk drivers with perks like accident forgiveness. Indiana car insurance starts at $34 a month.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Jun 18, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jun 18, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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18,155 reviewsCompany Facts
Full Coverage in Indiana
A.M. Best
Complaint Level
Pros & Cons
18,155 reviews
11,638 reviewsCompany Facts
Full Coverage in Indiana
A.M. Best
Complaint Level
Pros & Cons
11,638 reviews
13,283 reviewsCompany Facts
Full Coverage in Indiana
A.M. Best
Complaint Level
Pros & Cons
13,283 reviewsThe best auto insurance companies in Indiana are State Farm, Allstate, and Progressive, offering minimum coverage from just $34 per month, along with smart discounts and flexible Indiana auto insurance.
Our Top 10 Picks: Best Auto Insurance Companies in Indiana| Company | Rank | Claims Satisfaction | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 665 / 1,000 | A++ | Local Agents | State Farm |
 | #2 | 652 / 1,000 | A+ | Bundling Savings | Allstate |
 | #3 | 648 / 1,000 | A+ | High-Risk Drivers | Progressive |
 | #4 | 642 / 1,000 | A | Personalized Service | American Family |
 | #5 | 641 / 1,000 | A++ | Affordable Rates | Geico |
 | #6 | 631 / 1,000 | A | Specialty Policies | The Hanover |
 | #7 | 616 / 1,000 | A | Custom Digital Policies | Liberty Mutual |
 | #8 | 606 / 1,000 | A++ | Custom Coverage | Travelers |
 | #9 | 600 / 1,000 | A | Customer Focus | Safeco |
 | #10 | 588 / 1,000 | A | Broad Coverage | Farmers |
State Farm stands out with low rates, multi-driver savings for families, and roadside assistance for just $7 a year. Allstate brings real value with up to 25% off when bundling home and auto, plus perks like deductible rewards and safe driving bonuses.
Progressive supports high-risk drivers with competitive rates, accident forgiveness, and usage-based discounts through its Snapshot program.
- State Farm has the best auto insurance rates in Indiana, from $38 a month
- IN drivers with Allstate benefit from multi-policy and low-mileage discounts
- Top Indiana insurers offer accident forgiveness and deductible reduction perks
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The Best Auto Insurance Rates in Indiana
Indiana auto insurance monthly rates can swing pretty widely depending on your coverage and provider. Those price gaps aren’t just numbers—they shape what you can actually afford and how well you’re protected if something goes wrong. If you’re just trying to stay legal, Geico’s $34 minimum monthly rate makes it one of the cheapest car insurance options in Indiana.
Indiana Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $75 | $217 |
| $57 | $167 |
| $42 | $123 |
| $34 | $99 |
| $98 | $285 |
| $37 | $107 |
| $38 | $101 |
| $38 | $110 |
| $115 | $302 |
| $36 | $108 |
Geico also has the cheapest full coverage car insurance in Indiana at $99 per month, followed by State Farm and Safeco. State Farm sits in the middle, which might work well for Indiana families balancing cost and coverage.
Many of the best Indiana insurance companies fall into this midrange category, where rates are reasonable, and coverage remains solid, but auto insurance in Indiana isn’t one-size-fits-all. Your age and gender seriously affect what you pay each month.
Teen drivers, especially 16-year-old boys, pay the most because insurers see them as high-risk. By your mid-20s, things improve fast. Rates drop as insurers reward safer habits and more experience.
State Farm keeps premiums steady after minor violations, making it a safer choice for drivers with slightly imperfect records.
Jeff Root Licensed Insurance Agent
Your driving history can change your monthly rate more than you might think. Even a single ticket can shift how Indiana auto insurance companies see you—and price you.
Indiana Auto Insurance Monthly Rates by Driving Record| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $75 | $87 | $106 | $98 |
| $58 | $65 | $96 | $110 |
| $42 | $50 | $54 | $58 |
| $34 | $47 | $58 | $73 |
| $98 | $112 | $126 | $244 |
| $37 | $58 | $79 | $50 |
| $38 | $48 | $59 | $67 |
| $37 | $37 | $42 | $37 |
| $115 | $143 | $170 | $157 |
| $37 | $42 | $48 | $54 |
State Farm barely changes your premium at all, even if you’ve had a violation, making it a solid choice if your record isn’t spotless. And Progressive? It’s one of the few where a DUI could actually cost less than a speeding ticket, which might throw off drivers comparing quotes.
Best Auto Insurance Discounts in Indiana
Depending on your situation, some Indiana auto insurance deals are way more valuable than others. Allstate and State Farm offer some of the biggest discounts to students and those who bundle multiple policies.
Top Auto Insurance Discounts in Indiana by Provider| Insurance Company | Auto-Pay | Bundling | Good Student | Loyalty | Multi-Car |
|---|---|---|---|---|---|
| 9% | 25% | 22% | 15% | 25% |
| 4% | 25% | 20% | 18% | 20% |
| 5% | 20% | 15% | 12% | 20% |
| 7% | 25% | 15% | 10% | 25% |
| 15% | 25% | 12% | 10% | 25% |
| 12% | 10% | 10% | 13% | 12% |
| 8% | 15% | 10% | 10% | 20% |
| 13% | 17% | 35% | 6% | 20% |
| 6% | 20% | 15% | 10% | 15% |
| 6% | 13% | 8% | 9% | 8% |
If you’ve got a teen on your policy, State Farm’s 35% good student discount could knock off a chunk of your premium each month. Liberty Mutual offers a solid 15% off just for setting up auto-pay, which is great if you want to save without changing coverage.
These are the kind of car insurance discounts you can’t miss if you’re looking to lower costs without sacrificing protection. Many of the best auto insurance options in Indiana reward things like bundling, safe driving, and loyalty.
Indiana Auto Insurance Coverage And Claims
Knowing what each type of Indiana car insurance coverage does can really help if you ever need to file a claim. Since it’s an at-fault insurance state, you’ll need to meet the Indiana minimum liability insurance requirements to cover property damage and medical bills if you injure someone in a case.
List of Common Auto Insurance Coverages in Indiana| Coverage | What It Covers |
|---|---|
| Bodily Injury | Injuries to others if you're at fault |
| Property Damage | Damage to others' property |
| Collision | Damage to your car from a crash |
| Comprehensive | Theft, fire, vandalism, weather |
| Uninsured Motorist | Injuries from uninsured drivers |
| Underinsured Motorist | Not enough coverage from at-fault driver |
| MedPay | Medical bills for you and passengers |
| PIP | Medical, lost wages, other personal costs |
| Gap | Difference between car value and loan |
| Rental Reimbursement | Cost of rental while car is repaired |
| Roadside Assistance | Towing, jump-start, flat tire, lockout |
| Custom Parts | Aftermarket or modified vehicle parts |
| Rideshare | Coverage while driving for Uber, Lyft, etc |
Collision coverage helps cover repairs if you crash into something, and comprehensive insurance is what you’ll need if your car gets stolen, hit by hail, or crushed by a tree. Many of the top auto insurance companies in Indiana include these coverages in customizable policy bundles.
Indiana auto insurance companies do not offer personal injury protection (PIP), but you can buy medical payments coverage, though it’s not required by law. MedPay helps with hospital bills for you and your passengers, but does not cover lost wages or household costs.
You may also want to add uninsured/underinsured motorist insurance to cover incidents with an uninsured driver. As you can see in this table, Indiana has fewer weather-related risks and traffic-related claims, but a very high number of drivers without proper coverage.
Indiana Report Card: Auto Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risks | A- | Moderate weather with few extreme events |
| Average Claim Size | B+ | Repair costs are generally below national average |
| Traffic Density | B | Light congestion outside urban centers |
| Vehicle Theft Rate | B- | Mostly low but spikes in urban areas |
| Uninsured Drivers Rate | C+ | Some uninsured drivers, especially in rural zones |
Rural areas see more uninsured drivers on the road, which often leads to higher rates for everyone else. And while traffic’s pretty light outside the big cities, repair costs and claim patterns still keep prices from dropping too far. The state’s mild weather also helps keep comprehensive claims low, which saves most drivers some cash. But if you’re in Indianapolis or Fort Wayne, higher theft rates could bump up your bill.
Indiana Auto Accidents & Insurance Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Bloomington | 5,400 | 4,300 |
| Evansville | 7,600 | 6,000 |
| Fort Wayne | 10,800 | 8,900 |
| Indianapolis | 22,500 | 18,200 |
| South Bend | 8,100 | 6,500 |
Most of the auto insurance claims in Indiana aren’t from major wrecks — they’re the everyday stuff that sneaks up on you. And even the small ones can end up costing more than you’d think.
5 Most Common Auto Insurance Claims in Indiana| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collision | 30% | $3,300 |
| Fender Bender | 22% | $1,900 |
| Single Vehicle Accident | 17% | $4,400 |
| Side-Impact Collision | 11% | $5,600 |
| Theft Claim | 6% | $8,000 |
Based on these statistics, we recommend carrying at least liability and collision insurance to protect against the increased risk of fender benders. Since theft and weather-related claims are low in most cities, you may not need full coverage car insurance in Indiana.
Learn More: The Worst States for Filing an Auto Insurance Claim
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Best Auto Insurance Companies in Indiana
State Farm, Allstate, and Progressive are the best Indiana insurance companies for auto policies, but always compare providers based on your ZIP code to find the best price in your area. Learn how to get multiple auto insurance quotes to see how quickly you can save money.
#1 – State Farm: Top Pick Overall
Pros
- Drive Safe & Save: Indiana drivers can save up to 30% using the telematics-based Drive Safe & Save program.
- Multi-Vehicle Discount: State Farm offers Indiana families up to 20% off when insuring two or more vehicles.
- Roadside Assistance: Emergency roadside service is available to Indiana policyholders for just $7 annually.
Cons
- Rural Access Limits: Indiana residents in remote counties may have fewer nearby agent offices. See what drivers are saying in the State Farm auto insurance review today.
- Limited Digital Customization: State Farm’s mobile app lacks live chat for Indiana policyholders.
#2 – Allstate: Best for Bundling Savings
Pros
- Bundle Savings: Indiana drivers’ bundling auto and renter policies may save up to 25%. Explore policy benefits and savings in the Allstate auto insurance review.
- Drivewise Program: Safe drivers using Drivewise in Indiana can reduce premiums by up to 28%.
- Deductible Rewards: Earn $100 off your collision deductible annually for staying accident-free in Indiana.
Cons
- High Claim Surcharges: A single at-fault accident can increase Indiana premiums by over 40%.
- Inconsistent Agent Experience: Service quality varies across Indiana’s 90+ Allstate agents.
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#3 – Progressive: Best for High-Risk Drivers
Pros
- Snapshot Telematics: Indiana drivers using Snapshot can save over $145 per year with safe driving habits.
- FR-44 & SR-22 Filing: Progressive offers same-day SR-22 insurance for high-risk Indiana drivers. Learn everything you need to know about Progressive Insurance before buying.
- Rideshare Endorsements: Covers Indiana Uber and Lyft drivers during gaps in their platform’s insurance.
Cons
- Telematics Penalties: Unsafe driving habits recorded by Snapshot can result in rate hikes in Indiana.
- Delayed Claims: Some Indiana customers report that the claim resolution has taken over two weeks.
#4 – American Family: Best for Personalized Service
Pros
- Bundling Discount: Indiana drivers can save up to 29% when bundling home and auto policies.
- KnowYourDrive Telematics: This usage-based program provides up to 20% off for safe Indiana drivers.
- Teen Safe Driver Program: Offers up to 25% savings for Indiana teens with good grades and clean records.
Cons
- Rate Volatility: Single at-fault accidents can raise Indiana premiums by as much as 35%. Get full policy details from our American Family auto insurance review.
- App Stability Issues: KnowYourDrive occasionally crashes on Android devices used in Indiana.
#5 – Geico: Best for Affordable Rates
Pros
- Lowest Minimum Rate: Geico offers Indiana drivers minimum liability starting at just $34 per month.
- DriveEasy Telematics: Safe drivers can save up to 22% via the app-based DriveEasy program in Indiana.
- Fast Claims Process: Indiana drivers can report and upload accident photos within 5 minutes on the app.
Cons
- No Local Agents: Geico lacks in-person agent offices in several smaller Indiana cities. Discover everything you need to know about Geico in one quick overview.
- Few Coverage Extras: Indiana policies don’t include a gap or rideshare insurance unless manually added.
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#6 – The Hanover: Best for Specialty Policies
Pros
- Collector Car Coverage: Indiana drivers with vintage cars can tailor classic vehicle policies.
- Niche Policy Options: Indiana riders can bundle pet, identity theft, and water backup.
- Independent Agent Access: Local Indiana agents provide one-on-one guidance for unique risks.
Cons
- Digital Tools Lag: Online claims and account access in Indiana can feel outdated. Explore customer satisfaction and rates in The Hanover auto insurance review.
- Age Limits: The Hanover auto insurance in Indiana is only available to senior drivers over 65 who have AARP memberships.
#7 – Liberty Mutual: Best for Custom Digital Policies
Pros
- Better Car Replacement: Replaces totaled cars with one a year, newer, and 15K fewer miles in Indiana.
- 12+ Add-On Options: Offers Indiana drivers new car replacement, gap, and original parts protection.
- Digital Claims: Submit photo claims, adjust coverages, and track repairs through the Liberty app in Indiana.
Cons
- Higher Base Premiums: Minimum coverage in Indiana starts at $46 per month, higher than top-ranked competitors.
- Agent Access Gaps: Limited physical presence in southern Indiana makes in-person support difficult. See what stands out in this Liberty Mutual auto insurance review.
#8 – Travelers: Best for Custom Coverage
Pros
- IntelliDrive Program: Tracks behavior over 90 days and can save Indiana drivers up to 20%. Explore what stands out in our expert Travelers auto insurance review.
- Premier Responsible Driver Plan: This includes forgiveness for accidents and minor violations in Indiana.
- OEM Parts Coverage: Ensures original parts are used in Indiana vehicle repairs after a covered loss.
Cons
- Rate Increases Possible: Hard braking and phone use tracked by IntelliDrive may raise Indiana rates.
- Fewer Stackable Discounts: Only two policy discounts can be combined on many Indiana plans.
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#9 – Safeco: Best for Customer Focus
Pros
- RightTrack Savings: Indiana drivers earn up to 30% off based on driving behavior.
- Claims-Free Discount: Staying claim-free for 5 years can earn Indiana drivers up to 20% off. Explore stories where people got auto insurance right and saved big.
- First Accident Forgiveness: Automatically applies after three claim-free years on Indiana policies.
Cons
- Agent-Only Changes: Indiana customers must contact an agent for most policy adjustments.
- App Function Gaps: Lacks policy editing and ID card retrieval for Indiana drivers.
#10 – Farmers: Best for Broad Coverage
Pros
- Diminishing Deductibles: Indiana drivers receive $50 off their deductible for each year they stay claim-free.
- Accident Forgiveness: Available to Indiana drivers who’ve had a policy for 3+ years with no claims. Find everything you need to know about Farmers Insurance in one place.
- Full Glass Coverage: Optional add-on covers windshield replacement in Indiana without a deductible.
Cons
- Limited Safe Driver Savings: Farmers lacks a telematics program for Indiana drivers, reducing potential usage-based discounts.
- Limited Bundling Offers: Fewer combined discount options for Indiana renters or condo owners.
Comparing Indiana Auto Insurance Companies
The best auto insurance companies in Indiana are State Farm, Allstate, and Progressive. Allstate offers up to 25% for bundling and strong loyalty perks. Progressive features include usage-based savings and DUI-friendly rates that can beat speeding ticket premiums.
To lower your rates in Indiana, enroll in telematics programs like State Farm Drive Safe & Save or Progressive Snapshot, which reward safe driving habits with up to 30% off. Learn how it works in our guide to usage-based auto insurance.
Indiana drivers who avoid city congestion and stick to rural roads could benefit most from State Farm’s usage-based discounts.
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To find the best rates in your area, enter your ZIP code and get multiple auto insurance quotes online. Compare discounts, pricing, and coverage tailored to your location and driving profile.
Frequently Asked Questions
Who has the best auto insurance in Indiana?
State Farm has the best car insurance in Indiana due to its consistent pricing, excellent claims service, and discounts for families and safe drivers.
What are the best home and auto insurance companies in Indiana?
The best home and auto insurance companies in Indiana include State Farm, Allstate, and American Family, offering bundling discounts up to 29%.
Which company has the best auto insurance rates in Indiana?
Geico has the best auto insurance rates in Indiana, with minimum coverage starting at just $34 per month, making it one of the most affordable options for drivers looking for essential protection and guidance on the best time to buy a new car.
Is State Farm good insurance in Indiana?
Yes, State Farm is good insurance in Indiana, especially if you’re looking for low premiums after a speeding ticket or minor accident.
Which insurance company has the most complaints in Indiana?
Liberty Mutual has one of the highest complaint levels in Indiana, according to the NAIC complaint index.
What is a good amount of auto insurance coverage in Indiana?
A good amount of car insurance coverage in Indiana includes 100/300/100 liability limits, uninsured motorist protection, and collision auto insurance if your car is newer.
Does it matter which insurance company you use in Indiana?
Yes, it matters — some companies charge double for the same coverage, and service quality can vary significantly.
Who is cheaper in Indiana, Geico or Progressive?
Geico is typically cheaper in Indiana, offering rates about 15% lower than Progressive for drivers with clean records.
Which insurance company is best at paying claims in Indiana?
State Farm ranks highest for claims satisfaction in Indiana and holds an A++ rating from A.M. Best, making it a smart choice if you’re also exploring hacks to save money on car insurance.
Why did my State Farm auto insurance go up in Indiana?
Your State Farm rate likely increased due to inflation, rate filings in Indiana, or changes in your driving record or mileage.
What is the cheapest full coverage auto insurance in Indiana?
Geico offers the cheapest full coverage in Indiana, with average monthly rates of around $99 for safe drivers.
Is USAA cheaper than State Farm auto insurance in Indiana?
Yes, USAA is usually cheaper than State Farm in Indiana, offering cheap auto insurance for disabled veterans and other military families.
Who is better in Indiana, Allstate or State Farm?
State Farm is better for most drivers in Indiana, especially due to its stable rates and stronger customer reviews.
What are the cheapest car insurance rates in Indiana for senior drivers?
Travelers and State Farm offer the cheapest auto insurance for seniors in Indiana, with rates averaging $45 to $50 per month.
What are the cheapest car insurance rates in Indiana after a speeding ticket?
Farmers and Progressive usually offer the cheapest car insurance rates in Indiana after a speeding ticket, with only modest increases. Shop and compare Indiana policies in seconds by entering your ZIP code into our savings estimator tool.
What are the cheapest car insurance rates in Indiana after an accident?
State Farm typically has cheap auto insurance after an accident in Indiana, and it offers accident forgiveness options in some cases.
What are the cheapest car insurance rates in Indiana for good drivers?
Geico and Farmers are the best auto insurance companies for good drivers in Indiana, especially if you bundle policies or use telematics.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
