10 Best Auto Insurance Companies in Indiana for 2025

The best auto insurance companies in Indiana are State Farm, Allstate, and Progressive, offering minimum coverage from just $37 per month, along with smart discounts and flexible Indiana auto insurance options.

Our Top 10 Picks: Best Auto Insurance Companies in Indiana

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.

Enter your ZIP code to unlock exclusive Indiana savings and buy auto insurance that’s affordable and tailored to your needs.

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

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 mid-range category, where rates are reasonable and coverage remains solid. However, 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.

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

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.

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

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

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

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

Top 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

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.

Auto Insurance Coverage Options in Indiana

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.

Indiana Auto Insurance Coverage Options

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 coverage 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.

Indiana Auto Insurance Coverage Requirements

If you drive in Indiana, there are certain coverage minimums you’re legally required to carry. These basic limits help cover damage or injuries if you’re at fault in a crash, but in many cases, they might not be enough to fully protect your finances.

• Bodily Injury Liability: Covers up to $25,000 per person and $50,000 per accident to help with medical bills if you hurt someone in a crash.
• Property Damage Liability: $25,000 per accident; usually covers repairs if you hit another car or someone’s property
• Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident; this kicks in if someone without insurance hits you
• Underinsured Motorist Bodily Injury: $50,000 per accident; fills the gap when the other driver doesn’t have enough coverage
• Uninsured Motorist Property Damage: $10,000 with a $300 deductible; optional, but helpful if your car’s damaged by someone uninsured

If your car is leased or financed, you’ll likely need full coverage, which means adding collision and comprehensive auto insurance. And if your vehicle’s newer or worth a lot, it’s smart to go above the state minimums so you’re not stuck with hefty repair bills.

Other Ways to Save on Auto Insurance in Indiana

Discounts help, but they’re not the only way to pay less for car insurance in Indiana. A few smart moves—some you can do today—can shrink your monthly bill without changing providers or cutting the coverage you need.

• Drop Collision on Cars Worth Less Than $4,000: If your car’s only worth a few grand, removing collision auto insurance could save you up to $300 a year, especially if the deductible plus premium is more than the car’s value.
• Bump Your Deductible to $1,000: Going from a $500 to $1,000 deductible can lower your monthly rate by 10–15%, and it’s a solid tradeoff if you rarely file claims.
• Switch to Pay-Per-Mile if You Drive Under 8,000 Miles: If you’re logging under 8,000 miles a year in places like Bloomington or Fort Wayne, usage-based programs like Drive Safe & Save or Snapshot can knock 25% or more off your rate.
• Think Twice Before Filing Small Claims: Filing a $1,200 claim might feel right, but it could raise your premium by 20% for the next three years.
• Shop for Cars in March or December: Buying when car prices dip—like late winter or the end of the year—can help lower your rate, too, since insurers factor in the vehicle’s replacement cost.

These aren’t hacks—they’re just smarter ways to manage your policy around Indiana’s rate structure. Stack them with your existing discounts, and you’ll start seeing real savings without giving up solid coverage.

10 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 a multi-vehicle auto insurance discount of 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 renters 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.

#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.

#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 an AARP membership.

#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.

#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.

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.