GEICO offers the most affordable coverage in Indiana, with monthly rates of $33 for minimum liability and $64 for full coverage. This saves Hoosier drivers $16 monthly (25% below average). Get quotes from Grange, Travelers, Indiana Farmers and Auto-Owners too.
Cheapest Car Insurance in Indiana
Updated: October 3, 2025
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Key Takeaways
GEICO, Grange and Travelers offer the most affordable car insurance rates in Indiana, with savings up to 25% below the state average.
Car insurance costs in Indiana start at $24 monthly for minimum coverage and $29 for full coverage policies on average.
To get the cheapest car insurance in Indiana, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Indiana?
| Geico | $33 | $64 | -25% | $-16 |
| Grange Insurance | $37 | $66 | -21% | $-13 |
| Travelers | $35 | $71 | -19% | $-12 |
| Indiana Farmers Insurance | $36 | $77 | -13% | $-9 |
| Auto Owners | $32 | $82 | -12% | $-8 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
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$127
High
$84
Average
$64
Low
Rates updated:
Oct 08, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  State Farm | 88 /of 100 | $64 |
| 2 |  GEICO | 82 /of 100 | $69 |
| 3 |  Farmers | 82 /of 100 | $74 |
| 4 |  Travelers | 82 /of 100 | $79 |
| 5 |  Nationwide | 82 /of 100 | $85 |
| 6 |  Progressive | 77 /of 100 | $86 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance Rates by Category in Indiana
Hastings offers the cheapest rates in three of our 10 driver categories, including coverage for drivers with accidents, low income and bad credit. GEICO provides the most affordable rates in two categories, with particularly competitive prices for adult and senior drivers. Find your specific rates in the table:
| Young Drivers | Indiana Farmers Insurance | $65 |
| Adult Drivers | Geico | $32 |
| Senior Drivers | Geico | $39 |
| Drivers With An Accident | Hastings Insurance | $36 |
| Drivers With A DUI | Progressive | $50 |
| Drivers With A Speeding Ticket | Indiana Farmers Insurance | $41 |
| Drivers With Bad Credit | Hastings Insurance | $50 |
| Drivers With Low Income | Hastings Insurance | $29 |
| Drivers With Newer Cars | Travelers | $34 |
| Drivers With Old Cars | Auto Owners | $24 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN INDIANA
We've created additional guides below to help you in your search for the best and cheapest car insurance in Indiana:
Compare the Cheapest Car Insurance in Indiana for You
The tables above show overall winners, but your cheapest option depends on your situation. For example, Hastings offers the lowest rates at $68 monthly for drivers with poor credit and accident records who want 100/300/100 coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Grange Insurance | $140 | $1,680 | -50% | $-138 |
| Indiana Farmers Insurance | $125 | $1,495 | -55% | $-154 |
| Travelers | $268 | $3,218 | -4% | $-10 |
| Hastings Insurance | $68 | $815 | -76% | $-210 |
| Westfield Insurance | $199 | $2,389 | -28% | $-79 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Indiana by City
Indiana's car insurance market splits evenly between three major providers, with GEICO and Hastings Mutual each claiming seven of the state's 20 largest cities, while Grange Insurance secures the remaining six. This competitive landscape creates significant opportunities for drivers to find affordable coverage based on their location.
Minimum coverage rates across Indiana's major cities range from $20 to $37 monthly, with smaller cities offering substantial savings. Jeffersonville residents enjoy the state's lowest rates at $20 monthly with Hastings Mutual, while Indianapolis drivers pay $37 monthly through GEICO. Mid-sized cities like Anderson and Muncie also benefit from rates below $25 monthly as of October 2025.
| Anderson | Hastings Insurance | $21 | -0.41 | $-25 |
| Bloomington | Geico | $31 | -0.28 | $-17 |
| Carmel | Grange Insurance | $31 | -0.31 | $-20 |
| Columbus | Hastings Insurance | $23 | -0.33 | $-19 |
| Elkhart | Geico | $30 | -0.30 | $-19 |
| Evansville | Geico | $36 | -0.23 | $-16 |
| Fishers | Grange Insurance | $33 | -0.28 | $-18 |
| Fort Wayne | Grange Insurance | $33 | -0.30 | $-20 |
| Gary | Hastings Insurance | $34 | -0.33 | $-30 |
| Greenwood | Grange Insurance | $36 | -0.24 | $-15 |
| Hammond | Geico | $37 | -0.33 | $-27 |
| Indianapolis | Geico | $37 | -0.28 | $-21 |
| Jeffersonville | Hastings Insurance | $20 | -0.48 | $-32 |
| Kokomo | Geico | $31 | -0.27 | $-17 |
| Lafayette | Geico | $27 | -0.31 | $-18 |
| Muncie | Hastings Insurance | $22 | -0.35 | $-21 |
| Noblesville | Grange Insurance | $32 | -0.28 | $-17 |
| South Bend | Hastings Insurance | $26 | -0.31 | $-20 |
| Terre Haute | Hastings Insurance | $29 | -0.25 | $-17 |
| Westfield | Grange Insurance | $33 | -0.26 | $-16 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Indiana by Driver Age Group
We reviewed car insurance costs in Indiana for three age groups: young drivers (16 to 25), adults (26 to 64), and seniors (65+). These companies offer the lowest prices for each group:
- Young drivers can get the lowest rates from Travelers, starting at $77 per month
- Adult drivers find the best deals with Auto-Owners, with rates from $31 per month
- Senior drivers see the most affordable coverage through Travelers, beginning at $50 per month
Cheapest Car Insurance for Young Drivers in Indiana
In Indiana, young drivers find the lowest rates with Travelers, paying about $77 per month for minimum coverage or $161 per month for full coverage.
Data filtered by:Results filtered by:
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Female
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Grange Insurance | $387 | $4,648 | -44% | $-3,663 |
| Indiana Farmers Insurance | $206 | $2,467 | -70% | $-5,845 |
| Travelers | $607 | $7,289 | -12% | $-1,023 |
| Westfield Insurance | $391 | $4,687 | -44% | $-3,625 |
| Hastings Insurance | $204 | $2,451 | -71% | $-5,861 |
*The rates shown reflect individual policies. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own.
Cheapest Car Insurance for Adult Drivers in Indiana
Auto-Owners is the best affordable provider for adult drivers in Indiana with costs ranging from $31 for a minimum coverage. With premiums as low as $75 per month, Travelers Insurance is the cheapest provider for a full coverage policy.
Data filtered by:Results filtered by:
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:Clean
| Grange Insurance | $102 | $1,227 | -46% | $-1,058 |
| Indiana Farmers Insurance | $107 | $1,285 | -44% | $-1,000 |
| Hastings Insurance | $82 | $985 | -57% | $-1,300 |
| Westfield Insurance | $156 | $1,871 | -18% | $-414 |
| Geico | $177 | $2,125 | -7% | $-160 |
Cheapest Car Insurance for Senior Drivers in Indiana
Travelers offers Indiana seniors the lowest car insurance rates for both policy types, with minimum coverage at about $50 per month and full coverage at $97 per month.
Data filtered by:Results filtered by:
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:Clean
| Grange Insurance | $182 | $2,184 | -29% | $-904 |
| Indiana Farmers Insurance | $145 | $1,743 | -44% | $-1,345 |
| Hastings Insurance | $109 | $1,304 | -58% | $-1,784 |
| Geico | $203 | $2,435 | -21% | $-653 |
| Farm Bureau | $211 | $2,528 | -18% | $-560 |
Cheapest Car Insurance for High-Risk Drivers in Indiana
Your driving record is one of the biggest factors affecting car insurance rates in Indiana. Drivers with a clean history pay the lowest premiums, while violations such as texting while driving, speeding tickets, accidents or DUIs can raise costs significantly. The table below highlights the cheapest providers in Indiana based on different driving records.
- Cheapest for Bad Credit: Hastings Insurance (From $42/mo)
- Cheapest With a DUI: Progressive (From $50/mo)
- Cheapest With an Accident: Hastings Insurance (From $31/mo)
- Cheapest With a Speeding Ticket: Auto-Owners (From $36/mo)
- Cheapest With a Texting While Driving Violation: Auto-Owners (From $31/mo)
Cheapest Car Insurance for Bad Credit in Indiana
Hastings Insurance offers the best car insurance rates for drivers in Indiana with bad credit. Annual premiums start at $510 for minimum liability coverage and $1,387 for full coverage policies with comprehensive and collision protection.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Driving Record:Clean
| Hastings Insurance | $116 | $1,387 | -50% | $-1,397 |
| Grange Insurance | $118 | $1,419 | -49% | $-1,366 |
| Indiana Farmers Insurance | $130 | $1,563 | -44% | $-1,222 |
| Westfield Insurance | $188 | $2,250 | -19% | $-534 |
| Geico | $219 | $2,624 | -6% | $-161 |
Cheapest Car Insurance With a DUI in Indiana
For Indiana drivers with a DUI, Progressive offers the lowest annual rate at $599, followed by Travelers at $601 per year.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Grange Insurance | $178 | $2,135 | -48% | $-1,934 |
| Westfield Insurance | $259 | $3,106 | -24% | $-962 |
| Indiana Farmers Insurance | $259 | $3,108 | -24% | $-960 |
| Travelers | $304 | $3,649 | -10% | $-419 |
| Progressive | $325 | $3,906 | -4% | $-162 |
Cheapest Car Insurance With an Accident in Indiana
Indiana drivers with an accident on their record can get the lowest rates from Hastings Insurance, paying about $31 per month, or $371 per year.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Female
Select
Credit Alignment:Below Fair
| Hastings Insurance | $68 | $815 | -76% | $-2,523 |
| Indiana Farmers Insurance | $125 | $1,495 | -55% | $-1,843 |
| Grange Insurance | $140 | $1,680 | -50% | $-1,658 |
| Westfield Insurance | $199 | $2,389 | -28% | $-949 |
| Travelers | $268 | $3,218 | -4% | $-120 |
Cheapest Car Insurance With a Speeding Ticket
For Indiana drivers with a speeding ticket, Auto-Owners offers the most affordable rates, with minimum coverage averaging $434 per year. Indiana Farmers Insurance is the cheapest provider for full coverage policy costing around $1,050 annually.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Female
Select
Credit Alignment:Below Fair
| Hastings Insurance | $84 | $1,012 | -66% | $-1,942 |
| Indiana Farmers Insurance | $123 | $1,475 | -50% | $-1,479 |
| Grange Insurance | $153 | $1,835 | -38% | $-1,119 |
| Westfield Insurance | $160 | $1,922 | -35% | $-1,032 |
| Farm Bureau | $226 | $2,708 | -8% | $-246 |
Cheapest Car Insurance With a Texting While Driving Violation
Drivers in Indiana with texting while driving violation can get the most affordable car insurance rates with Auto-Owners. It offers minimum coverage at $370 per year, while full coverage costs $957 annually.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Auto Owners | $31 | $370 | -47% | $-324 |
| Hastings Insurance | $39 | $467 | -33% | $-226 |
| Westfield Insurance | $46 | $557 | -20% | $-136 |
| Geico | $47 | $565 | -19% | $-128 |
| Farm Bureau | $49 | $594 | -14% | $-100 |
How to Get the Cheapest Car Insurance in Indiana
Finding affordable car insurance in Indiana requires more than just comparing rates between companies. Here are proven strategies to save the most on auto insurance.
Risks of Getting the Cheapest Car Insurance in Indiana
Indiana requires drivers to carry liability insurance with minimum coverage of 25/50/25. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $25,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Minimum Coverage Requirements in Indiana
Indiana drivers must carry liability insurance to legally operate a vehicle. The state follows an at-fault system, meaning the driver who causes a crash is responsible for covering damages. Liability coverage helps pay for injuries and property damage you may cause to others. While the required limits keep you compliant, higher amounts are often recommended for stronger financial protection.
Cheap Car Insurance in Indiana: Bottom Line
GEICO offers the lowest car insurance rates in Indiana for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Indiana: FAQ
Below, we answer common questions about car insurance to help you find the right coverage.
What are the cheapest car insurance companies in Indiana?
GEICO provides the most affordable car insurance in Indiana, with average annual rates of $396 for minimum coverage and $768 for full coverage. Grange, Travelers, Indiana Farmers and Auto-Owners also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Indiana?
Indiana Farmers provides the most affordable rates for young drivers in Indiana, with monthly premiums starting at $65 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Indiana?
Senior drivers in Indiana can find the most competitive rates with GEICO, offering policies for those 65 and older at an average of $39 per month for minimum coverage.
Who has the cheapest car insurance in Indiana for bad credit?
Hastings provides the most affordable rates for bad-credit drivers in Indiana, with monthly premiums averaging $50 for minimum coverage.
Who has the cheapest car insurance in Indiana with an accident?
Hastings offers the most affordable car insurance rates for Indiana drivers with an accident history, starting at $36 per month for minimum coverage.
Who has the cheapest car insurance in Indiana with a DUI?
Progressive provides the cheapest car insurance after a DUI in Indiana, with rates of $50 monthly for minimum coverage and $83 monthly for full coverage.
Who has the cheapest car insurance in Indiana for those with a speeding ticket?
Indiana drivers with a speeding ticket can find the lowest insurance rates with Indiana Farmers, charging $41 monthly for minimum coverage and $88 for full coverage.
Should you buy the cheapest car insurance in Indiana?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. GEICO balances low prices with solid coverage options in Indiana.
How We Found the Most Affordable Car Insurance in Indiana
MoneyGeek collected auto insurance data from the Indiana Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Indiana.
Indiana Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Indiana
We compared car insurance companies in Indiana that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Indiana.
The minimum coverage liability limits in Indiana are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed October 8, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed October 8, 2025.
- National Centers for Environmental Information . "Climate at a Glance: Statewide Time Series ." Accessed October 8, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed October 8, 2025.