 Cincinnati Financial : $ 289 per class |
 Westfield : $ 301 per year |
 Geico : $ 315 per year |
 lake erie : $ 351 per year |
 car Owners : $ 360 per class |
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in Indiana
| City | Premium | Percent Increase |
| Richmond | $633 | 0.0% |
| Columbus | $662 | 4.6% |
| Goshen | $673 | 6.3% |
| Muncie | $681 | 7.6% |
| Lafayette | $686 | 8.5% |
| Elkhart | $689 | 8.9% |
| West Lafayette | $694 | 9.7% |
| Bloomington | $698 | 10.4% |
| Mishawaka | $701 | 10.8% |
| South Bend | $706 | 11.5% |
| Carmel | $710 | 12.3% |
| Marion | $714 | 12.9% |
| Fort Wayne | $717 | 13.4% |
| La Porte | $726 | 14.8% |
| Anderson | $733 | 15.8% |
| Greenwood | $735 | 16.2% |
| Fishers | $736 | 16.4% |
| Noblesville | $737 | 16.5% |
| Kokomo | $737 | 16.6% |
| Michigan City | $744 | 17.7% |
| Terre Haute | $757 | 19.7% |
| Valparaiso | $774 | 22.3% |
| Indianapolis | $798 | 26.1% |
| Evansville | $815 | 28.9% |
| Crown Point | $823 | 30.0% |
| New Albany | $830 | 31.2% |
| Portage | $836 | 32.2% |
| Jeffersonville | $882 | 39.5% |
| Hammond | $977 | 54.4% |
| Gary | $1,014 | 60.2% |
Factors That Affect Car Insurance Premiums in Indiana
Although mature drivers pay less for car indemnity than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car indemnity rates can save older drivers hundreds of dollars a year.
Cheapest Car Insurance in Indiana
7 Tips for How to Get Cheap Car Insurance in Indiana
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Indiana, regional insurers like Westfield, Indiana Farm Bureau, and Erie Insurance might have lower rates than national companies like State Farm and Geico, as well as comparable customer satisfaction ratings.
2. Know the factors affecting insurance in Indiana
Everyone knows that your driving habits and
3. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
4. Choose the coverage that is right for you
You need
5. Stay in less expensive zip codes
Car insurance prices can vary a lot based on zip code in Indiana. On average, drivers in the
6. Search for discounts
Top car insurance companies in Indiana have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
7. Consider uninsured motorist protection
Although it isn’t required under state law, Indiana drivers might want to consider adding uninsured motorist coverage to their policy. Around 17% of Indiana drivers are going without insurance, which drives up the cost of insurance for everyone in the state. Prices are affordable in Indiana, and many drivers can benefit from additional protection.
Methodology
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category | All Profile Characteristics | Good Driver Profile |
| Gender | Male, Female | Male |
| Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
| Marital Status | Single, Married | Single |
| Teenage Driver Included on Policy | No, Yes | No |
| Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
| Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
| Coverage Level | Minimum, Standard, Full | Minimum |
| Discounts | None, Multi-Policy, Homeowner, Student | None |
| Credit Level | Poor, Good | Good |
| Filings | None, SR22, FR44 | None |
| Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability, as required by Indiana’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Indiana insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of brassy car indemnity companies in Indiana is based on data from the Indiana DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 unlike driver profiles designed to identify the cheapest cable car policy companies for Indiana drivers in a solicitation of key categories. For each profile, WalletHub compared quotes among top Indiana car indemnity companies by averaging premiums from 36 zip code codes that represent at least 20 % of Indiana ‘s population. Military-specific companies like USAA were only considered for the military-specific class, due to their eligibility restrictions. In some cases, they may even be the best option overall for eligible drivers.In the board below, you can see all of the profile characteristics that were used in WalletHub ’ mho analysis, in addition to the particular subset of characteristics that make up our dear Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above postpone : Where driver profiles are not specified, WalletHub averaged Indiana indemnity quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. individual rates will be unlike. Don ’ deoxythymidine monophosphate forget to include local insurance companies in your search for brassy car indemnity. In Indiana, regional insurers like Westfield, Indiana Farm Bureau, and Erie Insurance might have lower rates than national companies like State Farm and Geico, angstrom well as comparable customer gratification ratings.Everyone knows that your driving habits and claims history v affect how much you pay for car policy. But in Indiana, companies can besides consider your age, gender, credit history, marital condition, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your manipulate all impact the price of insurance.You ’ ll see higher rates if you let your policy elapse, evening if you don ’ deoxythymidine monophosphate own a car. Indiana drivers who don ’ deoxythymidine monophosphate maintain continuous coverage pay an average of 16 % more than those with five or more years of indemnity history.You need liability policy to pay for the early driver ’ mho damages if you ’ re at mistake in an accident in Indiana. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based indemnity might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, besides. Don ’ metric ton skimp on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more car insurance than you need.Car insurance prices can vary a distribute based on travel rapidly code in Indiana. On average, drivers in the most expensive parts of Indiana spend over $ 500 more per year on car policy than those living in the least expensive areas.Top cable car policy companies in Indiana have a diverseness of discounts, therefore about anyone can find ways to save. You may be able to get a dismiss if you ’ re a scholar, veteran, good driver, homeowner, uncoerced to go paperless, and more.Although it isn ’ thymine required under state police, Indiana drivers might want to consider adding uninsured motorist coverage to their policy. Around 17 % of Indiana drivers are going without insurance, which drives up the cost of policy for everyone in the country. Prices are low-cost in Indiana, and many drivers can benefit from extra protection .