Indiana Car Insurance Guide (Cheap Rates + Best Companies)

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Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of, a financial educat...

Licensed Insurance Agent

UPDATED: Mar 26, 2024

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Indiana Statistic Summary
Road Miles 96,698
Registered Vehicles 5,789,940
State Population 6,691,878
Percentage of
Uninsured Motorists
Driving Deaths Speeding: 208 Drunk Driving: 220
Average Premiums Annually
Liability: $382.68 Collision: $250.29 Comprehensive: $122.06
Cheapest Provider: USAA

Whether it’s known as the Hoosier State or The Crossroads of America, all roads seem to lead to Indiana. Maybe, you’re a follower of NCAA basketball or even perhaps, a devoted race car fan, if so, then the great state of Indiana has you covered.

But if you’re like us, shooting hoops and driving fast are activities we wish we could be doing, instead of spending countless hours jumping through hoops and searching endlessly online looking for the cheapest car insurance.

What if there was a way to help you save on your auto insurance policy? What if it could save you money? Would you take the time? I bet you would and that’s why we’ve compiled this guide to get you started. Everything you need to know about buying cheap car insurance in Indiana is in this comprehensive guide. On your mark! Get set! Score!

Enter your zip code into our free comparison tool above to get started comparing various auto insurance quotes.

What are Indiana car insurance coverage and rates?

The median household income in Indiana in 2017 was over $54,181, and drivers, on average paid over $1,033 for car insurance. That’s way too high for us! However, you feel about it, we think consumers in the Hoosier State are spending way too much money on car insurance.

There has to be a better way.

Below, we have provided information and helpful advice so you can get the best coverage options for your needs.

Bodily Injury Liability$25,000 per person
$50,000 per accident
Property Damage Liability$25,000 per accident
Uninsured/Underinsured Motorist Coverage$25,000 per person
$50,000 per accident

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Okay, you’ve read the numbers, but what do they mean?

What is 25/50/25?

Bodily injury liability?

Accidents?We hope you never have to deal with any of these situations or end up in one of these:


But if you do, the basic coverage requirements in Indiana which all motorists must have for liability insurance are:

  • $25,000 to cover the death or injury of one person
  • $50,000 to cover the death or injury of more than one person
  • $25,000 to cover property damage

Liability insurance pays all individuals drivers, passengers, pedestrians, etc. who are owed compensation for property damage and/or injuries resulting from a car accident that you or anyone under your policy causes. If you cause a wreck, liability insurance pays everyone affected by the accident.

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What are required forms of financial responsibility for minimum liability insurance?

What are financial responsibility requirements? Basically, financial responsibility is proof that you have Indiana’s minimum liability coverage. State law requires every driver and owner of a vehicle to have proof of financial security that they have at least the minimum levels or liability car insurance at all times.

Here are a few acceptable forms of proof of financial security in Indiana:

  • Valid Insurance ID Card
  • Electronic proof on a smartphone
  • A letter from an insurance agent or insurer on company letterhead.

In the case that you don’t have some sort of financial security documentation on you, the Bureau of Motor Vehicles (BMV) will send a notification to request that you provide proof of financial responsibility. You may receive this notification due to any of the following situations:

  • Auto accident
  • Moving traffic violation within one year of receiving at least two other moving traffic violations
  • Misdemeanor or felony traffic violation
  • Traffic violation by a driver who has previously had their license suspended for failing to provide proof of financial responsibility.

If you don’t submit evidence within 90 days of the BMV’s mailing of the request, your driving privileges will be suspended. Once suspended, you will need to have your insurance provider or employer submit proof of financial responsibility, known as an SR-22 form, in order to get that suspension removed from your driving record.

What are premiums as percentage of income in Indiana?

The per capita disposable income in Indiana is $39,364. The average cost annually is $729 a year on car insurance. To put this amount in perspective, the countrywide, annual average for car insurance is $981.

This means people in Indiana pay considerably less than the countrywide average, and less than neighboring states Illinois and Ohio who pay yearly amounts of $854 and $767, respectively.

What are average monthly car insurance rates in IN (liability, collision coverage, and comprehensive coverage)?

The main concern of almost every motorist in Indiana is the rising cost of insurance? The table below shows data provided by the National Association of Insurance Commissioners which is an agency dedicated to keeping up with the changing costs of car insurance.

Coverage TypeAnnual Costs
Combined $755.03

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Keep in mind with this information, however, that this data was pulled from 2015. Rates in 2019 will likely be higher than these values.

Up next, we take a look at loss ratios and what they mean to a company’s bottom line.

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What additional coverage options are available in Indiana?

There are numerous different types of insurance to choose from, especially if you’re looking for insurance for good drivers. To gauge the financial health of insurance companies, you should look at its loss ratios. Loss ratios are explained as: the money insurance companies pay out in claims compared to the money they take in from premiums.


For example, an auto insurer collects $100,000 of premiums in a given year and pays out $45,000 in claims, the company’s loss ratio is 45 percent ($45,000 incurred losses/$100,000 earned premiums).

Check out the loss ratio for these two types of coverage in Indiana.

Loss Ratio201520142013
Medical Payments (MedPay)85.4882.8679.55
Underinsured Motorists / Uninsured Motorists Property Damage Coverage73.4264.1360.33

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You may want to consider adding additional coverage to your insurance plans, to avoid paying out of pocket in the event of an accident. Without additional coverage, medical bills and payments could reach well into the thousands of dollars for those affected by an uninsured driver and force some into financial difficulty without uninsured motorist coverage.

What add-ons, endorsements, and riders are available?

No one wants to be in a car wreck, but if you are, do you have enough protection for you and your family? Have you considered adding extra coverages to your policy? Do you even know what’s out there? Choosing from a list of options can be daunting, and we know you want the best options for your family at the best price.

To help you decide, we’ve made a list of affordable options to add to your policy.

  • Guaranteed Auto Protection (GAP)
  • Personal Umbrella Policy (PUP)-This can be added to cheap car insurance to add an extra layer of protection and coverage. Many people add an umbrella to their auto, home, and other coverages.
  • Rental Reimbursement- Whether your insurer is evaluating the cost of repairs or investigating your case, they generally provide rental car coverage for up to 30 days. The average cost is barely noticeable on your auto insurance premium.
  • Emergency Roadside Assistance – If your car breaks down or you have a flat this addition to your policy will help you to pay for the cost of roadside repairs or tow when needed
  • Mechanical Breakdown Insurance –Need repairs that were not due to an accident then this type of coverage is for you.
  • Non-Owner Car Insurance – This type of coverage is perfect for you if you don’t own a car but still drive on occasion because it provides you with limited liability coverage even if the car you are driving isn’t registered to you.
  • Modified Car Insurance Coverage – This type of insurance covers most modifications made to your vehicle that may not be covered by your general policy should you be involved in an accident.
  • Classic Car Insurance – This type of coverage helps ensure a classic, antique or vintage car is protected.
  • Usage-Based or Pay-As-You-Drive Insurance

Any of the above coverages would be beneficial to add to your policy, so make sure to discuss any options you are interested in with your insurance provider.

What are average monthly car insurance rates by age & gender in IN? wrote an article that says women pay $100,000 more for the same products as men do. In fact, gender discrimination in car insurance rates is such a problem that California and other states banned gender discrimination and created gender-neutral insurance plans.

Up next, we partnered with Quadrant to show you rates that various folks in Indiana pay for car insurance.

CompanyMarried 35-year old female annual rateMarried 35-year old male annual rateMarried 60-year old female annual rateMarried 60-year old male annual rateSingle 17-year old female annual rateSingle 17-year old male annual rateSingle 25-year old female annual rateSingle 25-year old male annual rate
Allstate P&C$2,461.65$2,522.04$2,161.34$2,364.89$7,566.53$9,542.11$2,500.79$2,718.57
American Family Mutual$2,305.56$2,305.56$2,072.87$2,072.87$6,342.08$9,188.19$2,305.56$2,839.57
Illinois Farmers Ins 2.0$1,558.68$1,538.30$1,333.35$1,497.61$8,369.82$8,927.88$2,053.19$2,219.06
Geico Cas$1,543.08$1,533.98$1,441.76$1,492.21$4,534.08$4,216.98$1,765.37$1,558.45
First Liberty Ins Corp$3,951.85$3,951.85$3,632.20$3,632.20$8,652.09$13,064.06$3,951.85$5,418.04
Nationwide Mutual$1,670.50$1,708.99$1,463.84$1,564.29$4,865.35$6,323.43$1,959.23$2,144.10
Progressive Paloverde$1,659.70$1,570.98$1,503.23$1,513.35$9,753.71$10,976.02$2,081.70$2,125.43
State Farm Mutual Auto$1,480.20$1,480.20$1,318.52$1,318.52$4,476.08$5,736.50$1,637.30$1,821.69
Travco Ins Co$1,225.25$1,246.82$1,148.12$1,147.95$7,586.22$11,997.40$1,295.87$1,500.67

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As you can see from the data, teen drivers pay thousands more than older drivers do for car insurance. Among the major carriers, State Farm and First Mutual have the exact same rates for female and male drivers, excluding teenagers.

In all instances, male teenage drivers pay more than any other demographic. As with all such information, your rates may be different depending on your location and other circumstances.

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Where are the highest and lowest rates by ZIP code per carrier?

In addition to gender and age, where you live can affect your car insurance rates. We’ve collected data on the least and most expensive zip codes, so search to see where your zip code lands on the list. You’ll also see providers’ costs next to your zip code, providing a helpful snapshot into what you should be paying.

Cheapest ZIP Codes in Indiana CityAverage Annual Rate by ZIP CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
47909LAFAYETTE$2,931.86Liberty Mutual$4,795.80Progressive$3,520.02USAA$1,664.59Geico$1,846.51
47904LAFAYETTE$2,935.07Liberty Mutual$4,795.80Progressive$3,672.73USAA$1,680.00Geico$1,846.51
47906WEST LAFAYETTE$2,950.51Liberty Mutual$4,795.80Progressive$3,561.61USAA$1,656.42Geico$1,846.51
47905LAFAYETTE$2,951.60Liberty Mutual$4,795.80Progressive$3,610.18USAA$1,680.00Geico$1,846.51
46052LEBANON$2,954.17Liberty Mutual$4,731.27Progressive$3,733.55USAA$1,672.13State Farm$2,025.08
47304MUNCIE$2,966.03Liberty Mutual$5,135.56Progressive$3,507.11USAA$1,554.19Geico$1,964.87
47901LAFAYETTE$2,966.62Liberty Mutual$4,795.80Progressive$3,557.08USAA$1,680.00Geico$1,846.51
47907WEST LAFAYETTE$2,966.92Liberty Mutual$4,795.80Progressive$3,554.69USAA$1,656.42Geico$1,846.51
47941DAYTON$2,967.67Liberty Mutual$4,795.80Progressive$3,683.95USAA$1,664.59Geico$1,846.51
47992WESTPOINT$2,979.70Liberty Mutual$4,795.80Progressive$3,619.45USAA$1,664.59Geico$1,846.51
47320ALBANY$2,992.15Liberty Mutual$5,135.56Allstate$3,790.23USAA$1,557.29Geico$2,086.92
47303MUNCIE$3,003.06Liberty Mutual$5,135.56Allstate$3,776.91USAA$1,557.29Geico$1,964.87
47920BATTLE GROUND$3,004.91Liberty Mutual$4,795.80Progressive$3,881.11USAA$1,680.00Geico$1,846.51
47981ROMNEY$3,009.62Liberty Mutual$4,795.80Allstate$3,828.61USAA$1,664.59Geico$1,846.51
46733DECATUR$3,011.51Liberty Mutual$5,603.67Allstate$3,843.74USAA$1,440.88Geico$1,997.93
47933CRAWFORDSVILLE$3,016.00Liberty Mutual$4,795.80Allstate$3,810.42USAA$1,751.12Geico$1,846.51
47305MUNCIE$3,018.08Liberty Mutual$5,135.56Allstate$3,471.39USAA$1,557.29Geico$1,964.87
47940DARLINGTON$3,019.44Liberty Mutual$4,795.80Allstate$3,848.70USAA$1,751.12Geico$1,846.51
46711BERNE$3,021.03Liberty Mutual$5,603.67Allstate$3,847.95USAA$1,440.88Geico$1,997.93
46781PONETO$3,026.33Liberty Mutual$5,603.67Allstate$3,723.28USAA$1,440.88Geico$1,997.93
46184WHITELAND$3,029.36Liberty Mutual$4,731.27Allstate$3,822.92USAA$1,553.91Nationwide$2,200.66
46112BROWNSBURG$3,031.44Liberty Mutual$4,731.27Progressive$3,801.39USAA$1,599.04Nationwide$2,168.37
47302MUNCIE$3,033.48Liberty Mutual$5,135.56Progressive$3,809.05USAA$1,557.29Geico$1,964.87
46759KEYSTONE$3,034.31Liberty Mutual$5,603.67Allstate$3,893.46USAA$1,440.88Geico$1,997.93
47955LINDEN$3,047.57Liberty Mutual$4,795.80Allstate$3,848.70USAA$1,751.12Geico$1,846.51

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The next table shows the most expensive rates in Indiana.

Most Expensive ZIP Codes in Indiana CityAverage Annual Rate by ZIP CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
46402GARY$4,747.17Liberty Mutual$9,628.64Travelers$5,850.12USAA$2,268.89Geico$3,059.32
46409GARY$4,692.40Liberty Mutual$9,628.64Travelers$5,474.18USAA$2,268.89Geico$3,059.32
46404GARY$4,666.36Liberty Mutual$9,628.64Travelers$5,474.18USAA$2,268.89Geico$3,059.32
46406GARY$4,653.94Liberty Mutual$9,628.64Travelers$5,122.67USAA$2,275.82State Farm$3,038.44
46408GARY$4,643.30Liberty Mutual$9,628.64Travelers$5,122.67USAA$2,268.89Geico$3,059.32
46407GARY$4,593.71Liberty Mutual$9,628.64American Family$5,005.05USAA$2,268.89Geico$3,059.32
46403GARY$4,578.59Liberty Mutual$9,628.64Travelers$5,122.67USAA$2,268.89State Farm$2,999.79
46312EAST CHICAGO$4,535.08Liberty Mutual$9,628.64Travelers$5,122.67USAA$2,275.82Geico$2,633.18
46320HAMMOND$4,504.55Liberty Mutual$9,628.64American Family$5,005.05USAA$2,275.82Geico$2,633.18
46327HAMMOND$4,484.26Liberty Mutual$9,628.64American Family$5,005.05USAA$2,275.82Geico$2,633.18
46323HAMMOND$4,437.39Liberty Mutual$9,628.64American Family$5,005.05USAA$2,275.82Geico$2,633.18
46405LAKE STATION$4,429.98Liberty Mutual$9,628.64Farmers$4,942.93USAA$2,268.89Geico$2,701.41
46394WHITING$4,389.62Liberty Mutual$8,830.37Travelers$5,122.67USAA$2,275.82Geico$2,633.18
46324HAMMOND$4,283.88Liberty Mutual$8,830.37American Family$4,641.89USAA$2,275.82Geico$2,633.18
46218INDIANAPOLIS$3,918.34Liberty Mutual$6,988.78Progressive$4,785.22USAA$1,807.48Geico$2,935.62
46225INDIANAPOLIS$3,911.50Liberty Mutual$6,988.78Allstate$4,556.36USAA$1,921.95State Farm$2,849.34
46201INDIANAPOLIS$3,903.52Liberty Mutual$6,988.78Progressive$4,737.15USAA$1,807.48State Farm$2,765.34
46321MUNSTER$3,840.34Liberty Mutual$6,539.56Progressive$4,761.83USAA$1,830.24State Farm$2,634.19
46202INDIANAPOLIS$3,836.94Liberty Mutual$6,988.78Allstate$4,562.82USAA$1,921.95State Farm$2,734.67
46205INDIANAPOLIS$3,811.23Liberty Mutual$5,987.84Progressive$4,809.00USAA$1,960.16Geico$2,746.89
46203INDIANAPOLIS$3,810.17Liberty Mutual$6,988.78Progressive$4,393.59USAA$1,890.04State Farm$2,727.33
46410MERRILLVILLE$3,807.73Liberty Mutual$6,402.26Farmers$4,942.93USAA$1,941.51Nationwide$2,610.30
46208INDIANAPOLIS$3,803.31Liberty Mutual$5,987.84Allstate$4,774.63USAA$1,927.91Geico$2,746.89
46204INDIANAPOLIS$3,795.21Liberty Mutual$6,988.78Allstate$4,562.82USAA$1,921.95State Farm$2,707.44
46319GRIFFITH$3,791.73Liberty Mutual$6,402.26Progressive$4,788.69USAA$1,830.24State Farm$2,666.18

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Read More: LM General Insurance Company Review

Where are the highest and lowest rates by city per carrier?

We’ve also collected data on car insurance rates by city. Below is a list of the least expensive and most expensive cities for car insurance. Simply look for your city to see your city’s auto insurance cost.

Cheapest Cities in Indiana Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Lafayette$2,950.11Liberty Mutual$4,795.80Progressive$3,576.13USAA$1,670.25Geico$1,846.51
Montmorenci$2,950.51Liberty Mutual$4,795.80Progressive$3,561.61USAA$1,656.42Geico$1,846.51
Americus$2,951.59Liberty Mutual$4,795.80Progressive$3,610.18USAA$1,680.00Geico$1,846.51
Lebanon$2,954.16Liberty Mutual$4,731.27Progressive$3,733.55USAA$1,672.13State Farm$2,025.08
Dayton$2,967.66Liberty Mutual$4,795.80Progressive$3,683.95USAA$1,664.59Geico$1,846.51
Westpoint$2,979.70Liberty Mutual$4,795.80Progressive$3,619.45USAA$1,664.59Geico$1,846.51
Albany$2,992.15Liberty Mutual$5,135.56Allstate$3,790.23USAA$1,557.29Geico$2,086.92
Battle Ground$3,004.91Liberty Mutual$4,795.80Progressive$3,881.11USAA$1,680.00Geico$1,846.51
Romney$3,009.62Liberty Mutual$4,795.80Allstate$3,828.61USAA$1,664.59Geico$1,846.51
Decatur$3,011.51Liberty Mutual$5,603.67Allstate$3,843.74USAA$1,440.88Geico$1,997.93
Crawfordsville$3,016.00Liberty Mutual$4,795.80Allstate$3,810.42USAA$1,751.12Geico$1,846.51
Muncie$3,018.33Liberty Mutual$5,135.56Allstate$3,600.35USAA$1,556.05Geico$1,964.87
Darlington$3,019.44Liberty Mutual$4,795.80Allstate$3,848.70USAA$1,751.12Geico$1,846.51
Berne$3,021.03Liberty Mutual$5,603.67Allstate$3,847.95USAA$1,440.88Geico$1,997.93
Poneto$3,026.33Liberty Mutual$5,603.67Allstate$3,723.28USAA$1,440.88Geico$1,997.93
New Whiteland$3,029.36Liberty Mutual$4,731.27Allstate$3,822.92USAA$1,553.91Nationwide$2,200.66
Brownsburg$3,031.44Liberty Mutual$4,731.27Progressive$3,801.39USAA$1,599.04Nationwide$2,168.37
Keystone$3,034.31Liberty Mutual$5,603.67Allstate$3,893.46USAA$1,440.88Geico$1,997.93
Linden$3,047.56Liberty Mutual$4,795.80Allstate$3,848.70USAA$1,751.12Geico$1,846.51
Monroe$3,047.88Liberty Mutual$5,603.67Allstate$3,843.74USAA$1,440.88Geico$1,997.93
Bluffton$3,048.12Liberty Mutual$5,603.67Allstate$3,843.74USAA$1,440.88Geico$1,997.93
Winchester$3,048.99Liberty Mutual$5,603.67Allstate$3,855.97USAA$1,551.34Geico$2,086.92
Gaston$3,049.64Liberty Mutual$5,135.56Progressive$3,481.03USAA$1,554.19Geico$1,964.87
Waynetown$3,055.37Liberty Mutual$4,795.80Progressive$3,902.82USAA$1,751.12Geico$1,846.51
Clarks Hill$3,055.48Liberty Mutual$4,795.80Allstate$4,021.48USAA$1,664.59Geico$1,846.51

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As you can see from the tables, where you live can impact your wallet when purchasing auto insurance coverage. Folks in urban areas like Indianapolis pay hundreds more than those living in a smaller city like Lafayette. Population density isn’t the only factor, though. Insurers also consider crime rates, accident rates, and more.

Most Expensive Cities in IndianaAverage Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Gary$4,653.64Liberty Mutual$9,628.64Travelers$5,300.76USAA$2,269.88Geico$3,059.32
East Chicago$4,535.08Liberty Mutual$9,628.64Travelers$5,122.67USAA$2,275.82Geico$2,633.18
Lake Station$4,429.98Liberty Mutual$9,628.64Farmers$4,942.93USAA$2,268.89Geico$2,701.41
Hammond$4,419.94Liberty Mutual$9,309.33American Family$4,859.78USAA$2,275.82Geico$2,633.18
Munster$3,840.34Liberty Mutual$6,539.56Progressive$4,761.83USAA$1,830.24State Farm$2,634.19
Griffith$3,791.73Liberty Mutual$6,402.26Progressive$4,788.69USAA$1,830.24State Farm$2,666.18
Hobart$3,723.86Liberty Mutual$6,402.26Farmers$4,377.50USAA$1,941.51Nationwide$2,610.30
Highland$3,696.55Liberty Mutual$6,539.56Allstate$4,381.45USAA$1,830.24State Farm$2,647.19
Schererville$3,695.41Liberty Mutual$6,402.26Progressive$4,590.37USAA$1,706.16State Farm$2,586.38
Dyer$3,678.46Liberty Mutual$6,402.26American Family$4,299.79USAA$1,706.16State Farm$2,645.06
St. John$3,678.32Liberty Mutual$6,402.26American Family$4,299.79USAA$1,706.16Geico$2,701.41
Westville$3,661.15Liberty Mutual$6,926.39American Family$4,218.96USAA$1,610.51Geico$2,353.77
Beverly Shores$3,640.46Liberty Mutual$6,926.39Progressive$4,241.52USAA$1,904.61Geico$2,353.77
Borden$3,625.98Liberty Mutual$5,937.41Progressive$4,459.13USAA$1,897.73Geico$2,437.68
Kingsbury$3,625.44Liberty Mutual$6,926.39Progressive$4,338.11USAA$1,610.51Geico$2,233.98
Homecroft$3,623.82Liberty Mutual$5,987.84Progressive$4,872.69USAA$1,771.02Geico$2,369.70
Otisco$3,614.57Liberty Mutual$5,937.41Progressive$4,528.25USAA$1,897.73Geico$2,437.68
Boone Grove$3,611.22Liberty Mutual$6,535.71Progressive$4,624.80USAA$1,904.61Geico$2,138.50
Evansville$3,611.05Liberty Mutual$6,594.45Progressive$4,151.10USAA$1,825.34Geico$2,402.59
Georgetown$3,606.56Liberty Mutual$5,875.05Progressive$4,388.15USAA$1,734.46Geico$2,556.33
Indianapolis$3,604.96Liberty Mutual$6,140.11Progressive$4,316.55USAA$1,837.91Geico$2,604.98
Henryville$3,602.10Liberty Mutual$5,937.41Progressive$4,509.85USAA$1,897.73Geico$2,437.68
Pekin$3,595.20Liberty Mutual$5,937.41Progressive$4,464.19USAA$1,716.22Geico$2,437.68
Wheeler$3,593.95Liberty Mutual$6,535.71Progressive$4,392.97USAA$1,760.45Nationwide$2,610.30
Nabb$3,593.87Liberty Mutual$5,937.41Progressive$4,355.40USAA$1,897.73Geico$2,437.68

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What are the best Indiana car insurance companies?

From the Indianapolis Speedway to the shores of Lake Michigan, folks in Indiana have numerous opportunities to discover everything their great state has to offer. One thing we know for sure is that most of those folks would rather be out exploring, instead of looking and searching for cheaper rates on car insurance.

That’s why we’ve done all of the work for you and researched the best auto insurance companies in Indiana, so you can make the best choice for your situation. We’ve looked at these major insurance companies’ financial ratings, AM’s best ratings, and which companies have the most complaints. We’ve gathered customer rating to see how people really experience coverage with different carriers from national giants to small local providers. We’ve heard about everything from annual premiums to the mobile app and more. Unfortunately, no insurance company is perfect, but many are providing great coverage and service at affordable prices around the country.

Keep reading to learn about Indiana’s auto insurance providers.

The Largest Companies’ Financial Stability Ratings

Loss ratios play a large part in how a company is doing financially. That’s why we want to include AM Best ratings, which look at loss ratios to determine if a company has solid financial security.

Now let’s see who is the cheapest car insurance company in Indiana.

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So to see how the 10 largest companies in Indiana are doing, we’ve included the AM Best ratings for each.

Providers (Based on Size, From Largest to Smallest)A.M. Best Rating
State FarmA++
Indiana Farm BureauA-
Liberty Mutual A
American Family InsuranceA
Erie InsuranceA+
Auto-Owners GroupA++

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Companies with the Best Ratings

A good financial rating means the insurance carrier has the funds available to pay any claims. But customer service is also an important part of any company, from restaurants to car insurance companies. That’s why we’ve looked at companies with the best overall customer satisfaction ratings.

Check out these ratings from J. D. Power.

JD Power north central region Indiana

State Farm ranks near the top of the list proving that State Farm is great at customer satisfaction levels.

Just because a company has a good rating for financial stability doesn’t mean their customers are always happy.

Let’s check out their record of official complaints.

Companies with the Most Complaints in Indiana

Keep in mind that a high complaint index doesn’t necessarily mean you should avoid a company. You should also look at a company’s customer satisfaction ratings because how a company deals with complaints is also important.

NAIC #Company NamePremiumNumber of ComplaintsComplaint Index
4424521st Century Assur Co$1,126,992112.98
22667Ace Amer Ins Co$6,818,83512.15
42579Allied Prop & Cas Ins Co$9,348,63611.56
19240Allstate Ind Co$9,380,96723.12
19232Allstate Ins Co$26,803,38242.18
17230Allstate Prop & Cas Ins Co$233,727,004161
10730American Access Cas Co$18,370,55664.78
19275American Family Mut Ins Co SI$105,497,365121.66
10864American Freedom Ins Co$10,464,3411013.98
28401American Natl Prop & Cas Co$6,334,68612.31
19992American Select Ins Co$19,593,30521.49
19283American Standard Ins Co of WI$5,478,41512.67
37214American States Preferred Ins Co$10,456,81511.4
11150Arch Ins Co$6,453,69112.27
11558AssuranceAmerica Ins Co$5,463,89512.68
18988Auto Owners Ins Co$114,691,86450.64
19658Bristol W Ins Co$15,258,23332.88
22640Consolidated Ins Co$55,840,770102.62
35289Continental Ins Co$1,001,305114.61
37770CSAA Gen Ins Co$21,594,21310.68
42587Depositors Ins Co$30,041,84710.49
13688Elephant Ins Co$4,742,45213.08
21326Empire Fire & Marine Ins Co$6,279,48512.33
26271Erie Ins Exchange$156,6304DN
25712Esurance Ins Co$17,490,23021.67
10336First Acceptance Ins Co Inc$9,721,98646.02
13587First Chicago Ins Co$22,770,53631.93
11185Foremost Ins Co Grand Rapids MI$3,035,97614.82
14249Founders Ins Co$24,516,9351810.74
13986Frankenmuth Mut Ins Co$3,510,80914.17
21253Garrison Prop & Cas Ins Co$10,7992DN
14138Geico Advantage Ins Co$29,078,99221.01
41491Geico Cas Co$98,966,03391.33
14139Geico Choice Ins Co$27,158,94231.62
35882Geico Gen Ins Co$31,271,43610.47
22055Geico Ind Co$17,446,91610.84
14137Geico Secure Ins Co$20,362,76510.72
10648Geneva Ins Co$1,641,309326.74
22063Government Employees Ins Co$9,882,97611.48
10322Grange Ind Ins Co$6,853,80412.13
16144Grinnell Select Ins Co$6,124,17612.39
15032Guideone Mut Ins Co$595,8781DN
22292Hanover Ins Co$17,744,28410.82
25054Hudson Ins Co$604,8421DN
22624Indiana Farmers Mut Ins Co$93,833,87110.16
42404Liberty Ins Corp$815,2241DN
14941Lighthouse Cas Co$2,775,797210.54
36447LM Gen Ins CoNone1DN
33600LM Ins Corp$1,666,446217.56
11198Loya Ins Co$1,020,790228.66
26298Metropolitan Prop & Cas Ins Co$10,736,83122.72
41653Milbank Ins Co$9,508,88011.54
28223Nationwide Agribusiness Ins Co$5,052,02112.9
23787Nationwide Mut Ins Co$31,025,29420.94
24082Ohio Security Ins Co$10,299,62811.42
39098Omni Ins Co$2,107,044320.83
37648Permanent Gen Assur Corp$21,944,53385.33
44695Progressive Paloverde Ins Co$247,444,249181.06
38784Progressive Southeastern Ins Co$226,241,91880.52
34690Property & Cas Ins Co Of Hartford$4,753,23513.08
39217QBE Ins Corp$264,8941DN
13056RLI Ins Co$1,763,03518.3
25405Safe Auto Ins Co$31,047,71062.83
11215Safeco Ins Co Of IN$119,087,321111.35
19259Selective Ins Co Of SC$15,184,28010.96
19070Standard Fire Ins Co$46,312,50072.21
15199Standard Prop & Cas Ins Co$6,548,56124.47
25143State Farm Fire & Cas Co$65,484,85192.01
25178State Farm Mut Auto Ins Co$847,420,643260.45
28188Travco Ins Co$14,005,37733.13
12188Trexis Ins Corp$14,274,55744.1
11004Trexis One Ins Corp$4,207,38913.48
27120Trumbull Ins Co$19,962,61710.73
40118Trustgard Ins Co$20,860,82710.7
10655Unique Ins Co$2,087,202214.02
15288United Farm Family Mut Ins Co$291,607,837110.55
25941United Serv Automobile Assn$33,3422DN
25968USAA Cas Ins Co$25,866,51442.26
18600USAA Gen Ind Co$28,393,36010.52
13137Viking Ins Co Of WI$4,368,43813.35
15350West Bend Mut Ins Co$23,598,22721.24
24112Westfield Ins Co$13,384,63511.09

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Read more:

If a car insurance company’s complaint index is lower than one, they are better than the average. If the index is higher than one, they are worse than the average. American Freedom and InsureMax have the highest complaint ratios in Indiana.

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What are the cheapest companies in Indiana?

Nobody wants to be considered cheap, except when it comes to finding cheaper car insurance. In order to save money, you should be shopping around to see what’s available. The table below displays the top carriers in Indiana with their average rate for all drivers and compares it to the state average of all companies. These are sample drivers. The exact rates and cheapest companies could vary based on your unique profile.

CompanyAverage Annual RateCompared to State AveragePercentage
Allstate P&C$3,979.74$661.6216.62%
American Family Mutual$3,679.03$360.919.81%
Illinois Farmers Ins 2.0$3,437.24$119.113.47%
Geico Cas$2,260.74-$1,057.38-46.77%
First Liberty Ins Corp$5,781.77$2,463.6542.61%
Nationwide Mutual$2,712.47-$605.66-22.33%
Progressive Paloverde$3,898.01$579.8914.88%
State Farm Mutual Auto$2,408.63-$909.49-37.76%
Travco Ins Co$3,393.54$75.422.22%

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Looking at different providers can save a lot of money. For example, Nationwide is $600 BELOW the state average, which, over time, could add up to thousands of dollars saved.

What are commute rates by company?

At some companies, how far you commute each day influences your insurance rates. Beyond age, gender, location, marital status, and carrier, other factors that affect your quoted rates from each carrier are those that are specific to your individual situation such as how much coverage you want, credit history, and driving record.

The tables below compare such factors based on each carrier.

GroupDaily CommuteAnnual MileageAnnual Average
Allstate10 miles 6000 $3,979.74
Allstate25 miles 12,000$3,979.74
American Family10 miles 6,000$3,634.66
American Family25 miles 12,000$3,723.40
Farmers10 miles 6,000$3,437.24
Farmers25 miles 12,000$3,437.24
Geico10 miles 6,000$2,220.59
Geico25 miles12,000$2,300.89
Liberty Mutual10 miles 6,000$5,628.11
Liberty Mutual25 miles 12,000$5,935.42
Nationwide10 miles 6,000$2,712.47
Nationwide25 miles 12,000$2,712.47
Progressive10 miles 6,000$3,898.01
Progressive25 miles 12,000$3,898.01
State Farm10 miles6,000$2,340.29
State Farm25 miles 12,000$2,476.96
Travelers10 miles6,000$3,393.54
Travelers25 miles 12,000$3,393.54
USAA10 miles 6,000$1,608.43
USAA25 miles 12,000$1,651.69

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Most company rates don’t change when the drive is shortened to a 10-mile commute, except for Liberty Mutual, who offers rate reductions over $300.

Up next, a break-down of coverage level rates in Indiana.

What are rates by coverage level?

Do you want better coverage, but are reluctant to spend more money? You may be surprised some insurance carriers offer more coverage with minimal increases in rates.

GroupCoverage TypeAnnual Average
American FamilyHigh$3,591.92
American FamilyMedium$3,800.78
American FamilyLow$3,644.40
Liberty MutualHigh$5,985.03
Liberty MutualMedium$5,766.94
Liberty MutualLow$5,593.34
State FarmHigh$2,522.50
State FarmMedium$2,407.80
State FarmLow$2,295.59

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For example, the data above shows Travelers and State Farm have less than $300 increases from low to high coverage.

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What are rates by credit history per company?

The quality of your credit score impacts your insurance rates. In Indiana, the average credit score is 667, which is below the nationwide average of 675. Basically, this means motorists may have to pay more for their coverage based on their credit history.

The table below shows what you can expect to pay yearly on car insurance based on your credit history.

GroupCredit HistoryAnnual Average
American FamilyPoor$5,032.66
American FamilyFair$3,268.20
American FamilyGood$2,736.23
Liberty MutualPoor$7,698.61
Liberty MutualFair$5,011.70
Liberty MutualGood$4,635.00
State FarmPoor$3,508.97
State FarmFair$2,093.59
State FarmGood$1,623.32

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If you have insurance through Liberty Mutual and have poor credit, you can expect to pay nearly $3000 more for car insurance than someone with good credit.

What are driving record rates?

A clean driving record is the EASIEST way to keep rates down. As you can see from the information below, at Farmers, just one speeding violation can raise your rate by over $300.

GroupDriving RecordAnnual Average
AllstateClean record$3,175.58
AllstateWith 1 speeding violation$3,777.03
AllstateWith 1 accident$4,665.22
AllstateWith 1 DUI$4,301.12
American FamilyClean record$2,536.03
American FamilyWith 1 speeding violation$3,020.98
American FamilyWith 1 accident$4,041.92
American FamilyWith 1 DUI$5,117.20
FarmersClean record$3,075.51
FarmersWith 1 speeding violation$3,395.05
FarmersWith 1 accident$3,585.45
FarmersWith 1 DUI$3,692.93
GeicoClean record$1,483.91
GeicoWith 1 speeding violation$2,060.50
GeicoWith 1 accident$2,335.58
GeicoWith 1 DUI$3,162.96
Liberty MutualClean record$4,509.08
Liberty MutualWith 1 speeding violation$4,969.05
Liberty MutualWith 1 accident$5,317.03
Liberty MutualWith 1 DUI$8,331.91
NationwideClean record$2,332.31
NationwideWith 1 speeding violation$2,627.10
NationwideWith 1 accident$3,007.11
NationwideWith 1 DUI$2,883.35
ProgressiveClean record$2,920.42
ProgressiveWith 1 speeding violation$4,063.99
ProgressiveWith 1 accident$5,121.94
ProgressiveWith 1 DUI$3,485.71
State FarmClean record$2,352.06
State FarmWith 1 speeding violation$2,352.06
State Farm With 1 accident$2,578.33
State FarmWith 1 DUI$2,352.06
TravelersClean record$2,882.59
TravelersWith 1 speeding violation$3,092.54
TravelersWith 1 accident$3,562.38
TravelersWith 1 DUI$4,036.63
USAAClean record$1,231.12
USAAWith 1 speeding violation$1,526.13
USAAWith 1 accident$1,752.37
USAAWith 1 DUI$2,010.62

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A better record equals better rates. We encourage you to obey posted speed limit signs and NOT drink and drive.

What are the largest car insurance companies in Indiana?

Who are the largest car insurance companies in IN?

CompanyDirect Premiums WrittenLoss RatioMarket Share
State Farm Group$907,71060.03%24.05%
Progressive Group$428,46658.96%11.35%
Allstate Insurance Group$287,39051.71%7.61%
Indiana Farm Bureau Group$277,06568.18%7.34%
Liberty Mutual Group$185,53063.31%4.92%
American Family Insurance Group$171,18661.90%4.54%
Erie Insurance Group$143,26172.18%3.80%
USAA Group$98,40272.82%2.61%
Auto-Owners Group$91,97666.46%2.44%

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Number of Property and Casualty Insurance Companies in Indiana

Domestic insurance means a company is formed under Indiana’s state laws, whereas a foreign provider is formed under the laws of any state in the country.

  • Domestic Insurers: 64
  • Foreign Insurers: 958

Comparing quotes will help you know where to get started. Once you find the company that offers the best rates to you, do some more research into their financial rating, customer satisfaction rating, and complaint ratios. Then, you can confidently choose your insurer.

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What Indiana state laws do you need to know?

Does something smell? We hope if you do smell something, it’s something pleasant and not yourself or your neighbor. But it could be something else.

According to state law in Indiana, it’s illegal to take a bath between the months of October through March. Thank goodness, it isn’t enforced, because we’re thinking that trying to fill a job vacancy for “Chief Sniffer” would probably be hard to fill.

We know, state laws are odd and sometimes confusing and vary from state to state. New residents may receive tickets for laws they didn’t know existed.

Next, we help you uncover what the laws are, so check out our roundup of Indiana’s driving laws.

Insurance companies are subject to certain rules and regulations.

Let’s look at some of the specific laws for consumers regarding car insurance.

Windshield Coverage

Certain states mandate a waived deductible if you need to have your windshield repaired, while other states only let you use manufacturer replacement parts if a repair is needed.

Indiana car insurance laws don’t currently anything specific to windshields. If your car is under five years old, you can opt for used, aftermarket, or OEM (original equipment manufacturer) parts as you prefer.

High-Risk Insurance

If you have a bad driving record, it may be difficult to find an insurance company that is willing to insure you as a driver. Luckily, in most states, insurance companies have made programs available to provide affordable coverage for those who are high-risk drivers.

In Indiana, this program is known as the Indiana Automobile Insurance Plan. The idea behind IN AIP is to ensure that motorists in the state who fulfill the eligibility requirements can obtain coverage, particularly if they have not been able to secure insurance the standard route.

The program’s approach of distributing high-risk drivers to carriers based on the company’s share of the insurance market in the state ensures that no single insurer bears too heavy of losses.

According to the plan:

In order to be able to apply to AIP, you must show proof that you have applied to, and have been declined by a minimum of three different insurance companies within a 60-day period.

Low-Cost Insurance Premiums

Some states have programs set up for those who receive benefits from government assistance programs, or those who have a combined family income that is below the poverty level. Unfortunately, Indiana has no such plan in place. In order to obey the law, you must carry the minimum liability coverage.

Automobile Insurance Fraud in Indiana

What is automobile insurance fraud?

  • Creating a claim for damages or injuries that NEVER occurred (such as faking an accident)
  • Adding “extra” costs onto a claim that is legitimate

Indiana has employed an Insurance Fraud Unit to investigate fraudulent activity throughout the state.

Committing insurance fraud can result in fines and/or jail time.

Statute of Limitations

If you are in a car accident in Indiana, there is a statute of limitations in which you must file and resolve your claim or file a lawsuit.

  • Property Damage – Two Years
  • Bodily Injury – Two Years

What are Indiana’s vehicle licensing laws?

Indiana, just like every other state, has mandatory licensing laws in addition to the statute of limitations and car insurance laws, which we previously covered.

Up next, we delve further into the state’s licensing requirements for teen drivers, older drivers, the general population and much more.


Indiana is in full compliance with the REAL ID Act passed by Congress and enforced by Homeland Security. This means that a driver’s license or state ID issued by the Hoosier State is an acceptable form of identification at federal facilities, airports, and nuclear power plants.

As of October 1, 2020, anyone wishing to fly on a commercial flight or enter a federal facility must have a REAL ID-compliant form of identification.

Penalties For Driving Without Insurance

First OffenseLicense/registration suspension for 90 days to one year
Second OffenseWithin three years: license/registration suspension for one year

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Proof of Insurance

You need to keep proof of insurance with you at all times and always when you get behind the wheel.

Remember if you:

  • Were involved an auto accident in which the Bureau of Motor Vehicles is sent a copy of the accident report
  • Received a pointable moving violation with a year of being issued two additional pointable moving violations
  • Were found guilty of a grave traffic violation like a felony or misdemeanor
  • Were issued a pointable violation and had your license suspended previously for failure to offer proof of financial responsibility

The Indiana BMV will send a verification form to your address, requiring your insurer to file a Certificate of Compliance electronically within 90 days of the request being issued.

If the verification form is not filed and processed within 90-days of it being mailed out, your driving privileges will be revoked and may only be reinstated once the Certificate of Compliance is filed.

Teen Driver Laws

To begin driving in Indiana, teens must be 15 to apply for a learner’s license. Before teens can apply for a regular license or a restricted license, the Insurance Institute for Highway Safety (IIHS) specifies that teens must meet the requirements below.

Mandatory Holding Period6 months
Minimum Supervised Driving Time50 hours, 10 of which must be at night
Minimum Age16 years old (3 months with drivers education ; 9 months without)

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In addition to these requirements, teen drivers must also follow the following rules:

Nighttime restrictionsFirst 6 months, 10 p.m.-5 a.m.; thereafter, 11 p.m.-5 a.m. Sun.–Fri.; 1 a.m.-5 a.m. Sat.–SunNighttime restrictions6 months and age 18 or until age 21, whichever occurs first (min. age 18)
Passenger restrictions (family members excepted unless noted otherwise)No passengers younger than 21 years oldPassenger restrictions6 months or until age 21, whichever occurs first (min. age: 16, 9 or 17, 3 mos. without driver education)

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Older Driver License Renewal Procedures

Older drivers who wish to renew their license must:

  • Renew once every three years if between the ages of 75 and 84
  • Renew once every two years if 85 or older
  • If 75 or older, provide proof of adequate vision at each renewal
  • Mail or online renewal is not allowed for drivers 75 and up

The license renewal procedures for the general population are as follows:

  • Renew once every six years
  • Proof of adequate vision is required if renewing in person
  • You can renew online every other renewal

New Residents

Considering a move to the Hoosier State? Here are the guidelines for getting a new Indiana driver’s license.

  • One document as proof of identity
  • One document proving your legal status in the U.S.
  • One document as proof of your Social Security number
  • Two documents as proof of your Indiana residency

You will need to provide proof of adequate vision at least once every ten years, so you will still have to make at least one visit to the DMV in person.

License Renewal Procedures

The license renewal procedures for the general population are as follows:

  • Renew once every six years
  • Proof of adequate vision is required if renewing in person
  • You can renew online every other renewal

Negligent Operator Treatment System

In the state of Indiana, under Indiana Code Title 9-21-8-52, reckless driving includes:

  • Driving at such high or low speeds that you endanger the wellbeing of individuals or property or impede the flow of traffic
  • Passing another car on a curve or slope where your visibility is impaired to under 500 feet
  • Passing a school bus that is stopped and has the arm-signal out

Reckless driving isn’t safe and it can make your insurance rates go up. Try to avoid speeding and obey posted speed limit laws.

What are Indiana’s rules of the road?

We all should obey the rules, but if you’re new to the state, there may be laws you’re unfamiliar with. That’s why we’ve assembled a list of several important laws to help keep you in good standing and on the road.

Fault vs. No-Fault

Indiana is a fault-based state which means if you are the cause of a car accident, you are responsible for any damage caused. The at-fault party’s insurance company will handle such losses up to and until the policy limits are exhausted.

Seat Belt and Car Seat Laws

All passengers in the front seat of a vehicle driven in Indiana must be wearing a seat belt. Additionally, children 16 years and younger are required to be properly restrained no matter where they are sitting.

Indiana doesn’t currently have any legislation restricting passengers from riding in the cargo seat areas of pick up trucks. (For more information, read our “What are the Ohio car seat laws?“).

Keep Right and Move Over Laws

Indiana’s keep right law requires drivers in the left lanes on highways to move over to the right lane so faster cars can pass. Penalties for violating the keep right rule include traffic citations and potentially up to $500 in fines.

Speed Limits

Maximum posted speed limits are 70 mph on rural interstates, 55 mph on urban interstates, 60 mph on limited-access roads and 55 mph on all other roads.


Rideshare services like Uber and Lyft mandate that all their drivers carry personal car insurance that meets the minimum requirements. However, if drivers wish to purchase a commercial insurance policy, these are the companies who provide coverage.

  • Allstate
  • Erie
  • Farmers
  • Geico
  • Safeco
  • State Farm
  • USAA

Automation on the Road

According to the Insurance Institute for Highway Safety (IIHS),

“Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human. In driving, automation involves using radar, camera and other sensors to gather information about a vehicle’s surroundings, which is then used by computer programs to perform parts or all of the driving task on a sustained basis.”

Currently, Indiana has approved the use of what is known as “regulated platooning technology”. This allows groups of buses or trucks to travel with set intervals between each at electronically controlled rates of speed.

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What are the safety laws?

Up next, we look closer at the safety laws in Indiana, so you can arrive alive. Please don’t drink and drive.

DUI Laws

Driving under the influence has disastrous results for everyone involved, that’s why strict laws are in place to prevent such tragedies. In Indiana alone, drunk driving caused 177 deaths in 2017. Each state differs in how they address drunk driving and therefore have different penalties.

Below, we’ve listed the details about Indiana’s impaired driving laws.

Indiana's DUI LawsInfo
BAC Limit0.08
High BAC Limit0.15
Criminal Status by Offense1st offense is a Class C misdemeanor. 1st High BAC is a Class A misdemeanor. All subsequent convictions within 5 years are Class D felonies.
Formal Name for OffenseOperating While Intoxicated (OWI)
Look Back Period/Washout Period5 years
1st Offense - ALS or Revocation 30 days - 2 years OR probation with a rehabilitation course.
1st Offense - Imprisonment No minimum, but up to 1 year.
1st Offense - Fine$500 to $5,000.
1st Offense - OtherMay be required to: attend victim impact panel, submit to urine testing and other terms of probation.
2nd Offense - DL Revocation180 days - 2 years.
2nd Offense - Imprisonment5 days - 3 years and/or community service.
2nd Offense - Fine No minimum, but up to $10,000.
2nd Offense - OtherSame as the first.
3rd Offense - DL Revocation1-10 years.
3rd Offense - Imprisonment10 days - 3 years and/or community service.
3rd Offense - FineNo minimum, but up to $10,000.
3rd Offense - OtherSame as the first.
Mandatory InterlockNo

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Marijuana-Impaired Driving Laws

In the state of Indiana, the possession and use of marijuana are illegal. Therefore, the state adheres to a zero-tolerance policy for THC and metabolites. In fact, individuals convicted of driving under the influence of a drug face penalties of:

  • 60 days to one year’s imprisonment and up to $5,000 in fines for the first offense
  • Five days to three year’s imprisonment and up to $10,000 in fines for a second offense
  • 10 days to three year’s imprisonment and up to $10,000 in fines for a third offense

Distracted Driving Laws

Individuals under the age of 21 are forbidden from using a cellphone while driving, and texting is banned for all drivers.

How bad is vehicle theft in Indiana?

Now that you have a good understanding of Indiana state laws, let’s dive into some facts that you might not know. While insurance is important, it’s also crucial to know what to keep your eyes out for on the road.

Believe it or not, over 10,904 vehicle thefts occurred in 2016 alone in Indiana. When considering your next car purchase, one thing to consider is that certain vehicles are stolen more frequently, and thus, may have higher insurance rates.

Here’s a list of the top 10 stolen vehicles in Indiana.

ModelYearNumber of Thefts
Ford Pickup (Full Size)2005659
Chevrolet Pickup (Full Size)1994619
Chevrolet Impala2004423
Dodge Pickup (Full Size)2001263
Chevrolet Malibu2005238
GMC Pickup (Full Size)1995192
Honda Accord1994186
Chevrolet Pickup (Small Size)1998186
Pontiac Grand Prix2004183
Ford Taurus2003182

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The full-size Ford pickup is the most stolen vehicle in the state.

Vehicle Theft by City

Where you live also plays a role in the number of vehicle thefts. The FBI created a 2016 report on Indiana’s vehicle thefts by cities, which are listed below.

Indiana Vehicle Thefts by CityCity PopulationMotor Vehicle Theft
Aurora3,721 4
Beech Grove14,38464
Berne3,964 3
Carmel84,880 43
Cedar Lake11,68812
Columbia City8,8507
East Chicago29,397225
Fort Wayne254,820386
Franklin24,034 9
Hartford City6,0534
Indianapolis850,220 5,005
Lake Station12,33561
La Porte22,112 29
Ligonier4,385 3
Long Beach1,1733
Mount Vernon6,58619
New Albany36,490 134
New Haven15,57527
New Whiteland5,6683
North Judson1,759 1
North Liberty1,890 0
North Manchester5,9870
North Vernon6,640 16
South Bend100,711326
South Whitley1,7281
Tell City7,2287
Terre Haute61,215 281
Tipton4,983 5
Valparaiso32,090 23
Washington11,813 40
West Lafayette30,68716
Whiting4,918 20
Winchester4,866 6
Winona Lake4,9340
Zionsville24,433 3

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Indianapolis leads the way with 5,005 vehicle thefts in 2016. Be sure to lock your vehicle whenever you aren’t driving it.

Are there a lot of road fatalities in Indiana?

Accidents can and do happen, and next, we’re going to show you statistics for different kinds of accidents in Indiana.

Fatal Crashes by Weather Condition and Light Condition

Weather ConditionDaylightDark, but LitDarkDawn or DuskOther / UnknownTotal

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As you can see, most accidents occur during daylight hours.

Fatalities (All Crashes) by County

Here are the Indiana counties with the most fatalities over the past five years.

County NameTotal Fatalities 2013Total Fatalities 2014Total Fatalities 2015Total Fatalities 2016Total Fatalities 2017Fatalities Per 100K 2013Fatalities Per 100K 2014Fatalities Per 100K 2015Fatalities Per 100K 2016Fatalities Per 100K 2017
Adams County257285.7714.3820.035.6822.54
Allen County31313036438.548.498.169.7311.53
Bartholomew County6122014167.5414.9324.617.119.5
Benton County1212111.4322.9411.523.1111.61
Blackford County101318.0308.1824.848.35
Boone County713125711.6121.119.047.7810.63
Brown County4521726.5733.4613.346.6646.56
Carroll County9635244.7330.0715.0825.049.98
Cass County5639812.9615.597.8623.6821.06
Clark County8111510157.19.6413.058.6412.82
Clay County9175533.763.7826.5319.0819.09
Clinton County73741221.359.2321.612.437.13
Crawford County4172237.669.3766.3218.918.93
Daviess County6875718.5924.4821.3315.1521.14
De Kalb County7977416.5421.2316.4916.429.34
Dearborn County8185716.082.0216.1810.1114.07
Decatur County66017122.8922.7063.813.74
Delaware County12151010810.2812.888.638.666.95
Dubois County10763623.6616.5514.187.0714.1
Elkhart County212033162610.489.9216.227.8412.68
Fayette County233348.3912.812.8312.917.23
Floyd County4588115.266.5710.4510.4314.27
Fountain County4412123.6923.966.0512.146.06
Franklin County4123417.424.368.7313.217.68
Fulton County213239.784.8814.769.9314.96
Gibson County4614101911.9517.7941.6429.7856.59
Grant County97711913.0610.2410.3716.4713.54
Greene County59271115.2827.586.1721.7234.19
Hamilton County13141416104.384.624.535.063.09
Hancock County5567167.056.978.299.4921.34
Harrison County16510131041.0412.7725.332.7625.06
Hendricks County107111786.524.56.9710.64.89
Henry County107910420.4714.3218.4920.688.25
Howard County8101317129.6712.1115.7920.6514.57
Huntington County5185413.62.7321.9113.7511.01
Jackson County88741118.4118.315.949.125.07
Jasper County181377753.8638.820.9120.9620.93
Jay County5863323.5137.8428.3814.2614.32
Jefferson County5745915.4321.612.3815.528.05
Jennings County95471131.8917.9114.3825.3439.82
Johnson County12896128.255.446.043.967.8
Knox County7533918.413.177.957.9923.99
Kosciusko County68817157.6910.1810.1521.5418.94
La Porte County182110192716.1618.89.0217.2424.54
Lagrange County107761026.2618.2118.1215.3325.44
Lake County47485950519.569.7712.0810.2810.5
Lawrence County98361319.6217.536.5813.1728.47
Madison County10231513177.6817.7311.5910.0513.13
Marion County8083971041028.68.8710.3211.0210.74
Marshall County12739625.5814.916.4219.2912.9
Martin County103249.78029.3719.639.16
Miami County8494922.1211.0924.9911.0925.11
Monroe County57616103.524.884.1610.986.8
Montgomery County5356513.117.8613.0615.6612.98
Morgan County8101714411.5414.3924.4420.135.74
Newton County3343821.3921.2928.621.3556.62
Noble County9754719.0414.7710.528.4314.75
Ohio County1112116.6816.771733.9717.16
Orange County5132325.225.0615.2910.2715.44
Owen County5375623.6214.2733.623.928.79
Parke County5437328.9923.217.6741.2817.77
Perry County3441115.4520.6920.725.265.24
Pike County116617.967.9748.1648.288.09
Porter County16132219289.617.7813.1411.3516.63
Posey County6442323.4815.6315.627.811.72
Pulaski County2212415.4515.487.8115.8631.91
Putnam County61181915.9729.221.332.6823.87
Randolph County248887.8115.831.8631.9232.1
Ripley County55111617.6817.653.5238.7221.1
Rush County02330011.8717.9518.040
Scott County9619537.925.394.2337.9620.95
Shelby County106911722.5413.5220.2924.8715.77
Spencer County5283724.089.6338.7614.6434.32
St. Joseph County20231222277.498.594.478.169.98
Starke County254548.6421.7817.521.7517.47
Steuben County3651258.7217.3814.4934.914.5
Sullivan County5254223.659.5223.9519.299.64
Switzerland County2422218.9137.9118.8418.7818.7
Tippecanoe County2461972313.233.2710.213.7112.07
Tipton County31023419.364.9713.1319.826.44
Union County2220227.3727.5927.78027.78
Vanderburgh County212015162111.5610.988.258.811.56
Vermillion County2474712.6225.5544.8925.6245.15
Vigo County14912141612.958.3511.171314.88
Wabash County671410118.5921.843.9331.693.18
Warren County1122311.961224.1824.4736.58
Warrick County334854.934.926.512.898
Washington County127531343.1825.11810.8146.72
Wayne County149710720.6513.3610.4615.0210.58
Wells County246747.2214.3921.5625.1414.29
White County47133616.3928.6553.5412.4524.81
Whitley County374589.0120.9311.9614.9323.7

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Fatalities by Roadway

Next, we have a 10-year comparison of traffic fatalities on urban vs. rural roadways.

Road Type2008200920102011201220132014201520162017

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Rural roads in Indiana see far more fatalities than urban roads.

Next, we’ll look at the different individuals that contribute to fatal crashes, such as vehicle type and pedestrian/occupants.

Fatalities by Person Type

Indiana Traffic Fatalities by Person Type20132014201520162017
Passenger Car Occupants321258326331355
Light Pickup Truck Occupants951018811890
Light Utility Truck Occupants849211598124
Large Truck Occupants1615161417
Other/Unknown Occupants91191814
Van Occupants4542413444
Bus Occupants41001
Bicyclists and Other Cyclists1412121913
Other/Unknown Non-occupants58576
State Total784745817829914

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Fatalities by Crash Type

Crash Type20132014201520162017
Single Vehicle431397443436455
Involving a Large Truck117128118108138
Involving Speeding218204233213208
Involving a Rollover162166181176173
Involving a Roadway Departure447406435454471
Involving an Intersection (or Intersection Related)192189217221261
Total Fatalities (All Crashes)784745817829914

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Five Year Trend for the Top 10 Counties

CountyTotal Fatalities 2013Total Fatalities 2014Total Fatalities 2015Total Fatalities 2016Total Fatalities 2017
Marion County808397104102
Lake County4748595051
Allen County3131303643
Porter County1613221928
La Porte County1821101927
St. Joseph County2023122227
Eikhart County2120331626
Tippecanoe County24619723
Vanderburgh County2120151621
Gibson County46141019

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Fatalities Involving Speeding by Top 10 Counties

CountyTotal Fatalities 2013Total Fatalities 2014Total Fatalities 2015Total Fatalities 2016Total Fatalities 2017Total Fatalities Per 100K 2013Total Fatalities Per 100K 2014Total Fatalities Per 100K 2015Total Fatalities Per 100K 2016Total Fatalities Per 100K 2017
Adams County0130102.888.5802.82
Allen County81087152.22.742.181.894.02
Bartholomew County0353103.736.153.661.22
Benton County0000000000
Blackford County0000000000
Boone County0231203.254.761.563.04
Brown County3010119.9306.6706.65
Carroll County3311014.9115.035.035.010
Cass County121312.595.22.627.892.63
Clark County416343.550.885.222.593.42

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Drunk driving is also a major contributor to crash fatalities. Below we’ve listed all of the fatalities involving a drunk driver.

Fatalities Involving Drunk Driving By County

County Name2013201420152016201720132014201520162017
De Kalb120112.364.720.002.352.33
La Porte651575.394.480.904.546.36
St. Joseph763572.622.241.121.852.59

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Teen Drinking and Driving

In 2016, Indiana law enforcement arrested 61 teenagers (under the age of 18) for drunk driving.

This number places Indiana as the 40th worst state in the U.S. for underage drinking and driving.

Below are the facts concerning underage (under 21 years old) drinking-related fatalities:

  • 1.1 fatalities per 100,000 people in Indiana
  • 1.2 fatalities per 100,000 people national average

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What is transportation like?

When you drive through your neighborhood, do you ever notice how many cars are sitting in your neighbors’ driveways? Usually, we can tell if someone is visiting by that extra car parked outside the house.

The data for Car Ownership, Commute Time, and Commuter Transportation was sourced from the Census Bureau via

Car Ownership

The average household in Indiana has two cars.

Commute Time

The average commute time in the U.S. is 25.3 minutes. Unfortunately, Indiana’s average commute time is slightly above this at 22.6 minutes.

Commuter Transportation

In every state, driving alone is the most common commute option, though people are beginning to turn to other commute options like carpooling and working from home.

Top Cities for Traffic Congestion

The only city in Indiana that made the INRIX scorecard for global traffic was Indianapolis. Below are the specifics of the INRIX scorecard for Indianapolis.

Indianapolis, IN177 (162)59 (184)2%$826513

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Now that you’ve read through this comprehensive guide, and know everything there is to know about buying car insurance in Indiana, it’s time to hit the road. Enter your zip code below to get a free quote comparison.



Free Car Insurance Comparison

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Indiana
Monthly Indiana Car Insurance Rates by ZIP Code
Indiana Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Indiana
Indiana Car Insurers by Market Share %
State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Indiana
Monthly Indiana Car Insurance Rates by ZIP Code
Indiana Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Indiana
Indiana Car Insurers by Market Share %