Updated: November 18, 2024
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When seeking the best car insurance in Indiana, consider your unique requirements. Auto-Owners emerges as the best provider overall and for minimum coverage. GEICO is the preferred choice for families with a teen driver.
If affordability is your primary concern, MoneyGeek has reviewed the cheapest car insurance in Indiana.
BestCar InsuranceIndianaBest Car Insurance in Indiana
Why Trust MoneyGeek? We created an insurance scoring system for providers in Indiana based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Indiana.
In Indiana, the top-performing car insurance company is Auto-Owners, with a MoneyGeek score of 95 out of 100. The MoneyGeek scores for car insurance firms range from 95 to 65, displaying a competitive spread of 30 points. Note that these figures are part of MoneyGeek's baseline scoring system. Insurers might receive different scores based on driver profiles.
How does MoneyGeek score companies?
MoneyGeek scores highlight the importance of customer satisfaction and affordability while also giving considerable weight to claims experience and offered coverages. These metrics indicate an insurer's overall performance, guiding consumers to make informed decisions about their insurance needs.
Note that Indiana Farm Bureau does not have a complete MoneyGeek score due to unavailable data for all the scoring components. Nevertheless, the provider performs strongly in customer satisfaction, as evidenced by available rankings, asserting its place in specific areas of service.
| Auto-Owners Insurance Co | 95 | $589 |
| American Family | 89 | $593 |
| Westfield | 86 | $788 |
| Travelers | 79 | $763 |
| GEICO | 78 | $765 |
| Progressive | 76 | $780 |
| Nationwide | 72 | $937 |
| Grange Insurance | 71 | $852 |
| State Farm | 68 | $1,050 |
| Farmers | 67 | $1,021 |
| Allstate | 65 | $1,012 |
| Indiana Farm Bureau | No Data | $968 |
MoneyGeek found that Auto-Owners is the best full coverage car insurance option in Indiana. The following two stand out in our review of full coverage car insurance providers:
Auto-Owners excels with the highest overall MoneyGeek score, significantly bolstered by exemplary ratings in affordability and claims handling. This indicates that policyholders can enjoy cost-effective premiums and a superior customer service experience during the claims process.
For drivers looking to balance quality service, coverage and cost, MoneyGeek also reviewed insurers offering the cheapest full coverage car insurance in Indiana.
Ranks No. 1 for claims handling.
Ranks No. 1 for cost, with an average annual premium of $589 for full coverage.
Ranks No. 2 for key coverages.
Offers rare coverages such as diminished value and accident forgiveness.
Ranks No. 5 for customer satisfaction, scoring 32 out of 35.
Auto-Owners rises to the top with its impressive satisfaction (32 out of 35) and affordability (30 out of 30) scores, which are the cornerstones of its high MoneyGeek score. The company meets the essentials by offering roadside assistance and rental car/travel reimbursement coverages, ensuring peace of mind whether on the road or when one's vehicle is out of commission. Plus, with unique offerings like diminished value coverage and accident forgiveness, it goes beyond the basics to cater to specific customer needs.
Drivers seeking comprehensive protection will appreciate Auto-Owners' coverage package, a bundle that simplifies managing various insurances. Diminished value coverage is valuable in safeguarding a car's value after an accident, and accident forgiveness can prevent premiums from increasing after your first at-fault accident. The company also offers deductible modification, providing financial relief by waiving the collision deductible under specific circumstances. These features bolster the practicality and appeal of Auto-Owners' offerings, backed by its substantial satisfaction and affordability ratings.
MoneyGeek found that Auto-Owners is the best option in Indiana for top-tier car insurance customer service.
Auto-Owners distinguishes itself with exceptional scores, particularly in satisfaction. It provides great service at a more affordable cost than Westfield, its closest competition.
In Indiana, where varied options are available, Auto-Owners ensures its customers benefit from both excellent customer service and a reliable claims process. Good customer service is vital in the insurance industry as it builds trust and reduces the stress of dealing with potentially complex claims. Beyond the numbers, these scores reflect the consistency and dependability a customer can expect, underlining why Auto-Owners stands out in the region.
Ranks No. 1 for claims handling.
Offers rare diminished value coverage.
Ranks No. 5 in customer satisfaction, scoring 41 out of 45.
With satisfaction and claims contributing most to its high score, Auto-Owners is well-regarded in the MoneyGeek rankings. The insurer offers rental car/travel reimbursement and roadside assistance, marking a positive with these common coverages. Additionally, with options like gap insurance and accident forgiveness, it stands out for offering common coverages that could prove beneficial in various scenarios.
Auto-Owners provides diminished value coverage, a rare coverage that can be invaluable if your vehicle loses value after an accident, ensuring you receive fair compensation. Its Personal Automobile Plus Package bundles multiple coverages, simplifying insurance and providing cost savings. With gap insurance, you're protected from the financial hit of depreciation should your vehicle be totaled or stolen. Auto-Owners' high scores for satisfaction (41 out of 45) and claims handling (a perfect 30 out of 30), together with a good score for coverage (16 out of 20), underline the insurer's commitment to customer service and support during claims.
MoneyGeek found that Auto-Owners is the best option in Indiana for drivers seeking the minimum car insurance required by law. When comparing providers, the following two companies came out on top:
Auto-Owners stands out due to its superior blend of service quality, affordability and customer satisfaction — factors that significantly contribute to its MoneyGeek score and set it apart in a competitive field. Notably, a policy for minimum coverage with Auto-Owners in Indiana would cost around $238 annually, which is the most affordable option for minimum insurance required by law in Indiana.
Although many insurers in Indiana offer cheap minimum coverage car insurance, it is important to understand the potential drawbacks of carrying just the basic policy. Purchasing only the minimum required coverage can leave you vulnerable to high out-of-pocket expenses in the event of a more serious accident, as minimum coverage often doesn't provide comprehensive financial protection against all possible on-road incidents.
Offers common discounts like bundling and safe driving.
Offers rare discounts, such as deductible modification.
Ranks No. 1 for affordability, with an average annual premium of $238 for minimum coverage.
Ranks No. 1 for claims handling.
Auto-Owners leads with perfect affordability and claims scores, showcasing its cost-effectiveness and reliability. The average annual premium is an economical $238, allowing you to secure comprehensive coverage without straining your budget. Among the common discounts, it offers policyholders savings for advance purchase and for having safety features like anti-lock brakes.
Unfortunately, specific discount details for Auto-Owners are not available. However, given its top-notch MoneyGeek score of 91 (out of 100), clients can trust the company's coverage quality and its suite of options designed to offer value.
Auto-Owners' high MoneyGeek score is reinforced by a satisfaction score of 18 (out of 25) and a perfect stability score of 5 (out of 5). These scores speak to the insurer’s dedication to providing policyholders exceptional value and peace of mind.
In Indiana, driver age significantly influences rates due to aspects like cost and age-specific coverages and discounts. MoneyGeek found that GEICO is the best option in Indiana for teen drivers, with an excellent blend of affordability and customer satisfaction. It boasts a MoneyGeek score of 83 out of 100 and has an annual premium of $1,309. With a MoneyGeek score of 91 out of 100 for young adults and 95 out of 100 for seniors, Auto-Owners emerges as the top choice, offering a strong balance of cost and claims satisfaction. Policies from Auto-Owners for young adults cost around $799 per year, while seniors can purchase policies at an annual cost of $566.
Best for Teens: GEICO
Best for Seniors: Auto-Owners
Best for Young Adults: Auto-Owners
MoneyGeek found that GEICO is the best option in Indiana for car insurance for teens. It provides top-tier coverage at competitive annual premiums, making it a standout choice for those seeking both quality and affordability.
GEICO claims the top spot by a fine margin, offering exceptional value that is reflected in its comprehensive customer satisfaction and affordability scores. Particularly compelling is its affordable annual premium of $1,309 for a teen policyholder. Note that you can get cheap car insurance for a teen in Indiana by adding them to a family policy instead of purchasing individual coverage.
Adding a teen to a car insurance policy in Indiana and other states typically drives up premiums due to the higher risk associated with inexperienced drivers. Teens are statistically more likely to be involved in accidents; thus, insurers raise rates to mitigate the increased likelihood of claims.
Offers good student and driver's education discounts.
Ranks No. 2 for claims handling.
Ranks No. 1 for affordability, with an average annual premium of $1,309 for full coverage.
Ranks No. 2 for customer satisfaction, with a score of 34 out of 35.
GEICO's exceptional MoneyGeek Score of 83 out of 100 is strengthened by outstanding satisfaction (32/35) and affordability (30/30) ratings. GEICO also offers a strong foundation with perfect stability at 5 (out of 5). The company shines for families with teens, offering a good student discount for full-time students who maintain a stellar academic record and a driver's education discount for completing a driver's education course.
GEICO equips drivers with advantageous financial safety nets such as mechanical breakdown insurance coverage, which provides comprehensive protection for all parts and systems. This coverage also extends beyond the standard warranty, offering more control and long-term savings. Additionally, accident forgiveness safeguards policyholders' rates from spiking after their first at-fault accident, ensuring peace of mind. These select coverages and discounts make GEICO a strong choice for those seeking robust protection and valuable savings.
MoneyGeek found that Auto-Owners is the best option in Indiana for obtaining affordable car insurance for seniors.
Auto-Owners stands out due to its high satisfaction and claims handling scores, which are the biggest contributors to its overall MoneyGeek score. In Indiana, cheap car insurance for a senior in Indiana from Auto-Owners costs around $566 per year. Note that MoneyGeek's analysis is based on rates for older adults in their 60s; individuals in their 70s and 80s might see higher premiums.
Offers roadside assistance and rental car/travel reimbursement.
Ranks No. 1 for claims satisfaction.
Ranks No. 1 for cost, with an average annual premium of $566 for full coverage.
Ranks No. 5 for customer satisfaction, scoring 32 out of 35.
Auto-Owners excels with top scores in affordability and claims handling, contributing significantly to its impressive 95 out of 100 MoneyGeek score. It offers an average annual premium of $566. Although it doesn't offer senior discounts, its competitive pricing provides value across the board.
With outstanding satisfaction (31 out of 35) and top-tier affordability (30 out of 30), Auto-Owners demonstrates its commitment to customer service and cost efficiency. Claims handling (20 out of 20) also stands out, ensuring a smooth experience during what can be a stressful time. These elements, combined with the company’s financial stability (5 out of 5), make it a solid choice for consumers seeking reliable and economical insurance.
MoneyGeek found that Auto-Owners is the best option for young adults seeking car insurance in Indiana.
Auto-Owners stands out primarily due to its high scores in customer satisfaction and stability, which are important aspects for providing a reliable and satisfying insurance experience. For young adults in Indiana, a policy with Auto-Owners costs approximately $799 annually, a relatively competitive rate given that younger drivers can generally expect higher premiums.
Young drivers in Indiana and other states often face steeper car insurance costs due to their lack of driving experience and statistically higher risk of accidents. Insurers price policies to account for this increased risk, which is why securing cheap car insurance for young adults in Indiana may still be slightly more expensive compared to those with more years behind the wheel.
Ranks No. 2 for cost, with an average annual premium of $799 for full coverage.
Offers good student and distant student discounts.
Customer satisfaction could be improved, ranking No. 5.
High satisfaction (32 out of 35) and excellent claims handling (20 out of 20) significantly contribute to Auto-Owners' MoneyGeek score of 91 out of 100. Despite not offering a driver's education discount, Auto-Owners' remarkable affordability (26 out of 30), stellar service and other categories more than compensate for this. This company also provides rental car and/or travel reimbursement and roadside assistance, which adds to its draw for consumers.
Auto-Owners excels in critical areas for car insurance customers, with an emphasis on high customer satisfaction and claims handling, as evidenced by its impressive scores: 32 (out of 35) and 20 (out of 20), respectively. Its high-ranking stability score of 5 suggests financial reliability, a crucial factor for insurance policyholders. Potential customers should consider these strengths when evaluating Auto-Owners for their personal car insurance needs.
MoneyGeek found that American Family is the best option in Indiana for drivers with offenses, offering competitively priced policies and exceptional service.
American Family distinguishes itself with high customer satisfaction and claims handling scores. These factors are significant for those who have speeding tickets, at-fault accidents and DUIs on their record, signaling a company that values customer experience and efficient claims processing. For a driver with offenses in Indiana, American Family offers an annual premium of $767, underlining the possibility of finding relatively cheap car insurance as a high-risk driver in Indiana, though at a premium that is higher than that of individuals with a clean driving history. Insurance providers often increase premiums for drivers with violations such as tickets, at-fault accidents or DUIs because they indicate a higher statistical likelihood of future claims.
Ranks No. 1 for affordability, with an average annual premium of $767.
Offers roadside assistance, rental reimbursement and accident forgiveness.
Ranks No. 9 for customer satisfaction, scoring 30 out of 35.
American Family tops the MoneyGeek rankings due to its exceptional affordability and satisfaction, with full marks in coverage (10/10), indicating a balance of great prices paired with customer contentment. The company offers a suite of practical coverages, including roadside assistance, rental car/travel reimbursement and accident forgiveness — essentials for those with a poor driving record. With an average annual premium of $767 and an affordability score of 30 (out of 30), American Family presents an economical choice for drivers with offenses who typically face higher rates.
American Family's roadside assistance coverage ensures help is at hand if you find yourself stranded — an invaluable service for any driver. Rental car/travel reimbursement protects against the inconvenience when your car is unavailable due to repairs. Accident forgiveness is a key feature that can prevent your premiums from skyrocketing after your first at-fault accident. For additional security, drivers can consider gap insurance, which covers the difference if you owe more on your vehicle than its current value. These coverages and its high MoneyGeek ranking assure customers a comprehensive insurance experience from American Family.
MoneyGeek found that Travelers is the best option in Indiana for drivers looking for quality insurance coverage for new cars. The major factors that influenced the company's MoneyGeek score include satisfaction, affordability, claims handling, coverage and stability.
Travelers' policies have an annual cost of $845. It also surpasses other insurers by offering both critical coverages: new car replacement and better car replacement coverages. Without these coverages, policyholders would only receive the current market value of their car, which would reflect depreciation. These features could mean significant financial savings in the event of an accident.
Ranks No. 1 for claims handling.
Ranks No. 1 for cost, with a $845 annual premium for full coverage.
Offers new car replacement, enhancing value for new car owners.
Ranks No. 3 in customer satisfaction, scoring 28 out of 35.
Travelers' exceptional MoneyGeek score is largely attributed to its perfect marks in affordability (30 out of 30), claims Handling (20 out of 20) and coverage (10 out of 10). With an average annual premium of $845, Travelers presents a competitive option for drivers seeking robust coverage.
Travelers offers new car replacement with its Premier New Car Replacement® coverage. This optional add-on can significantly benefit owners of new vehicles by allowing them to replace a totaled car with a brand-new model. This peace of mind is invaluable for new car owners, protecting their investment beyond the standard Actual Cash Value settlement that most policies offer. This coverage, along with gap insurance, which covers the difference between what you owe on your car and its current market value, positions Travelers as a top-tier choice for comprehensive protection. Coupled with its high customer satisfaction score of 28 (out of 35) and its strong reputation for stability, Travelers provides a compelling package for drivers prioritizing security and value.
MoneyGeek found that Auto-Owners is the best option in Indiana for car insurance for military members, showcasing the highest MoneyGeek score.
Although only in second place, USAA is highly regarded for its service to those with a military background. Based on its MoneyGeek score, it balances service quality and affordability.
Auto-Owners stands out with its exceptional performance across multiple categories, including satisfaction, affordability, claims handling and coverage. This indicates its strong commitment to providing well-rounded, quality service to customers. At $589 annually, it offers a competitive price while delivering on key aspects that matter most to drivers. MoneyGeek also reviewed the cheapest car insurance in Indiana for military drivers who prioritize lower costs.
Ranks No. 1 for claims handling.
Offers rare coverages like diminished value and deductible modification.
Excels in key coverage options, ranking No. 2.
Ranks No. 6 in customer satisfaction, scoring 31 out of 35.
Auto-Owners achieves its high MoneyGeek score primarily through exceptional satisfaction and claims handling scores. It offers policies for those with a military background at an average annual premium of $589.
Auto-Owners, boasting a satisfaction score of 31 (out of 35) and a claims handling score of 20 (out of 20), provides an unparalleled customer experience. It offers coverages like roadside assistance, car rental/travel reimbursement, deductible modification and diminished value coverage, ensuring that clients have protection when they need it most. The company maintains top-tier customer satisfaction with its prompt and fair claims resolution processes, which are crucial during the stressful period following an accident. Clients also benefit from the solid financial standing of the insurer, represented by a stability score of 5 (out of 5), ensuring reliability over the long term.
In Indiana, discerning drivers seek car insurance that merges cost-effectiveness with a proven track record of exceptional service and sound financial strength. MoneyGeek evaluated insurers to help you make an informed decision. However, if you want to do your own research, we encourage you to follow these four steps:
In Indiana, exceptional customer service is crucial for car insurers, as it directly affects customer satisfaction and trust, especially during the stressful time of filing a claim. Prospective policyholders should consult independent data providers like JD Power and the NAIC to gauge a company's service quality. According to MoneyGeek's research, Auto-Owners leads with a customer satisfaction score of 41 (out of 45) and a claims handling score of 30 (out of 30), indicating its commitment to serving clients effectively.
Indiana drivers can benefit from comparing car insurance quotes to find affordable rates without compromising on service quality. Personal factors influence premiums, so you should conduct thorough research to determine the most cost-effective option for your situation. MoneyGeek's analysis identifies Auto-Owners as the best for minimum coverage in Indiana, with an annual premium of $238, offering a balance of affordability and quality service.
The scope of coverages offered by car insurers is a vital aspect of their service, as it ensures drivers have the protection they need. Check which insurers provide coverages that align with your requirements. MoneyGeek's evaluation reveals that American Family has a perfect coverage score of 10, indicating it offers all four key coverages: rental car/travel reimbursement, roadside assistance, gap insurance and OEM coverage.
Choosing an insurer with a strong financial stability rating is essential to mitigate the risk of claim denial due to the company's financial incapacity. According to MoneyGeek, Travelers, Auto-Owners and State Farm each have a perfect stability score of 5 (out of 5), reflecting an A++ rating from AM Best and ensuring a low risk of financial failure.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
The best cheap car insurance provider in Indiana is Auto-Owners, with an annual premium of $238 for minimum coverage and an overall MoneyGeek score of 91 out of 100. Although minimum coverage policies are the most affordable, they offer less protection than full coverage policies. Consumers can find economical full coverage options by comparing quotes.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
