Best Car Insurance in Indiana for 2025 [Check Out the Top 10 Companies]
Allstate, Nationwide, and Liberty Mutual offer the best car insurance in Indiana. Allstate provides solid coverage options with a minimum monthly rate of $48. Nationwide and Liberty Mutual are also among the top insurance companies in Indiana, offering competitive rates and comprehensive coverage options.
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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 ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Mar 13, 2025
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3,071 reviewsCompany Facts
Full Coverage in Indiana
A.M. Best Rating
Complaint Level
Pros & Cons
3,071 reviews
3,792 reviewsCompany Facts
Full Coverage in Indiana
A.M. Best Rating
Complaint Level
Pros & Cons
3,792 reviewsAllstate, Nationwide, and Liberty Mutual offer the best car insurance in Indiana, all offering reliable and comprehensive coverage options for drivers.
As highlighted in this car insurance guide, Allstate is the top pick overall, thanks to its broad coverage and strong customer service. Nationwide brings excellent claims handling and financial stability, while Liberty Mutual boasts customizable policies.
Our Top 10 Company Picks: Best Car Insurance in Indiana
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Comprehensive Coverage | Allstate |
 | #2 | 20% | A+ | Simple Claims | Nationwide |
 | #3 | 25% | A | Flexible Policies | Liberty Mutual |
 | #4 | 25% | A | Personalized Service | American Family |
 | #5 | 17% | B | Financial Stability | State Farm |
 | #6 | 25% | A++ | Affordable Rates | Geico |
 | #7 | 20% | A | Policy Options | Farmers |
 | #8 | 10% | A+ | Innovative Discounts | Progressive |
 | #9 | 13% | A++ | National Presence | Travelers |
 | #10 | 10% | A++ | Military Support | USAA |
These companies stand at the forefront of our Indiana auto insurance rate comparison. Enter your ZIP code into our free comparison tool to see how much car insurance costs in your area.
- Allstate offers excellent customer satisfaction and comprehensive coverage
- Nationwide excels in claims processing and competitive rates
- Liberty Mutual provides flexible policies with discounts of up to 25%
#1 – Allstate: Top Overall Pick
Pros
- Comprehensive Coverage: Allstate has liability, collision, and comprehensive policies for Indiana drivers, offering as much flexibility as possible in terms of coverage.
- Discount Opportunities: When you bundle auto coverage with other policies like home insurance, you can save up to 17%, which is a pretty good deal if you’re looking for savings.
- Strong Customer Satisfaction: Allstate carries a 3.8 rating for reliable service and claims processing, making it a top pick for the best car insurance in Indiana.
Cons
- Higher Premiums: Allstate’s rates may be higher than those of competitors like Geico or USAA, which could be a concern for budget-conscious drivers.
- Limited Discounts: There are fewer discount options, according to the Allstate car insurance review, which may be a downside for some drivers.
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#2 – Nationwide: Best for Claims Processing
Pros
- Excellent Claims Handling: Nationwide handles claims efficiently, helping policyholders get back on the road quickly. Read our Nationwide car insurance review for more details.
- Financial Stability: With an A+ rating from A.M. Best, Nationwide offers Indiana drivers confidence in its ability to pay claims.
- Adjustable Coverage Options: Nationwide offers a range of coverage options, from basic liability to complete protection, to accommodate varying driving needs.
Cons
- Limited Bundling Discounts: Nationwide gives a 20% discount for bundling, while the best insurance companies in Indiana can help deliver higher discounts.
- Customer Service Issues: Some Indiana drivers report slow response times from customer support, especially during claims.
#3 – Liberty Mutual: Best for Customizable Policies
#4 – American Family: Best for Personalized Service
Pros
- Personalized Service: American Family offers personalized support to help Indiana drivers find the best coverage for their needs.
- Discounts for Safe Drivers: Those with a clean driving record may receive discounts that lower their premiums.
- Wide Range of Coverage Choices: American Family offers policies ranging from basic liability to comprehensive coverage, making it a strong option according to our American Family car insurance review.
Cons
- Potentially Higher Premiums: Younger or less-experienced drivers in Indiana may face higher premiums, potentially above the average cost of car insurance in Indiana.
- Limited Discount Opportunities: Although safe-driving discounts are available, American Family offers fewer savings opportunities than competitors like Geico.
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#5 – State Farm: Best for Financial Stability
Pros
- Reliable Financial Standing: State Farm has a B rating from A.M. Best to ensure reliable coverage for drivers in Indiana.
- Competitive Pricing: With Indiana car insurance rates being relatively affordable, State Farm is a great option for drivers seeking coverage in Indiana.
- Solid Customer Support: State Farm is one of the top contenders on our list, thanks to its consistency in claims handling.
Cons
- Lower Bundling Savings: The 17% discount for bundling is not as high as some competitors, offering fewer savings compared to other insurers.
- Fewer Customization Options: Our State Farm car insurance review shows it offers fewer add-ons than other providers, making it harder for drivers to tailor coverage to their needs.
#6 – Geico: Best for Affordable Rates
Pros
- Affordable Premiums: Our Geico car insurance review highlights Geico’s competitive rates, making it a strong choice for budget-conscious Indiana drivers.
- Strong Financial Backing: With an A++ rating from A.M. Best, Geico provides reliable financial security.
- Generous Discounts: Drivers can save up to 25% through bundling, safe driving incentives, and other discounts.
Cons
- Limited Local Agent Access: Geico operates primarily online, which may not suit drivers who prefer in-person assistance.
- Fewer Coverage Options: While affordable, Geico offers fewer coverage choices than competitors, a key factor when considering car insurance costs in Indiana.
#7 – Farmers: Best Policy Options
Pros
- Policy Variability: Farmers offer a variety of car insurance policies, perfect for drivers in Indiana whose needs are highly specific.
- Bundling Discounts: Save up to 20% on auto when you bundle home or other policies to lower your average car insurance cost in Indiana.
- Strong Customer Service: Farmers assure Indiana drivers that with responsive support, they will get the help they need.
Cons
- Premiums May Be Higher: Farmers’ car insurance review indicates that rates may be higher than those of insurers like Geico or USAA.
- Complex Pricing: The pricing model can be hard to understand, making comparing rates with other providers difficult.
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#8 – Progressive: Best for Innovative Discounts
Pros
- Creative Discount Options: Our Progressive car insurance review showcases the Snapshot program, which rewards safe drivers with exclusive discounts.
- Reliable Financial Backing: Rated an A+ by A.M. Best, Progressive ensures Indiana’s drivers’ financial steadiness and viability.
- Budget-Friendly Coverage: Looking for cheap insurance in Indiana? Progressive delivers competitive rates, especially with bundling or participating in the Snapshot program.
Cons
- Online-Only Approach: Progressive’s focus on digital platforms might not appeal to Indiana drivers seeking the hands-on approach of a local agent.
- Slow Customer Support: Some drivers have reported slower-than-expected response times, mainly when dealing with claims.
#9 – Travelers: Best National Presence
Pros
- Reliable Nationwide Service: Travelers offers reliable service across the US, including Indianapolis, Indiana.
- Top-Tier Financial Strength: With its A++ rating, Travelers car insurance reviews show that it is prepared to provide quality and secure coverage for drivers in Indiana.
- Affordable Options With Bundling Perks: Travelers have decent prices, so it is good for those seeking cheap car insurance in Indiana.
Cons
- Fewer Discount Opportunities: Some drivers might consider that Travelers doesn’t offer as many discounts as Geico or some other providers.
- Customer Service Challenges: A few customers have noted that claims processing can be slower, leading to occasional frustrations with support.
#10 – USAA: Best for Military Support
Pros
- Strong Military Support: USAA provides unique coverage to military families residing in Indiana. Our USAA car insurance review highlights its top-notch service.
- Top Financial Stability: With an A++ rating, USAA provides reliable coverage that its policyholders can count on.
- Budget-Friendly Rates: USAA is highly noted for its affordable rates. It often gives much lower premiums compared to many car insurance companies in Indiana.
Cons
- Exclusive to Military Members: USAA’s coverage is restricted to active-duty military, veterans, and their families, making it unavailable to the general public.
- Limited Customization: While offering solid protection, USAA may not have as many policy add-ons as other providers.
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Car Insurance Coverage and Rates in Indiana
Indiana car insurance rates depend on many factors that affect the price of car insurance, such as age, location, credit score, and driving history. Coverage level also affects costs, with minimum coverage starting at $15 per month and full coverage reaching $183.
Indiana Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $48 | $140 |
| $37 | $107 |
| $27 | $79 |
| $22 | $63 |
| $63 | $183 |
| $33 | $97 |
| $24 | $69 |
| $24 | $71 |
| $24 | $69 |
| $15 | $43 |
For those wondering how much car insurance is in Indiana, the average annual cost is around $1,033. Indiana requires 25/50/25 liability coverage, but many drivers opt for higher limits or add collision and comprehensive insurance.
Liability insurance covers damages to others but not personal repairs or medical bills. Comparing quotes and choosing the right coverage helps Indiana drivers stay legally compliant and financially secure.
Car Insurance Discounts in Indiana
Car insurance providers in Indiana offer discounts to lower premiums. Allstate offers savings for safe drivers, multiple policies, anti-theft devices, and good students.
Car Insurance Discounts From the Top Providers in Indiana
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multiple Policies, Anti-Theft Device, Good Student |
| Good Driver, Low Mileage, Loyalty, Multi-Vehicle |
| Safe Driver, Bundling, Homeowner, Good Student |
| Good Driver, Military, Multi-Policy, Anti-Lock Brakes |
| Multi-Policy, Safe Vehicle, Hybrid/Electric Vehicle, Military |
| Multi-Policy, Accident-Free, Defensive Driving, Good Student |
| Snapshot Program, Multi-Policy, Good Driver, Homeowner |
| Multi-Policy, Safe Driver, Good Student, Drive Safe & Save |
| Multi-Policy, Safe Driver, Hybrid Vehicle, New Car |
| Safe Driver, Military, New Vehicle, Family Discount |
American Family provides discounts for good drivers, low-mileage drivers, loyal customers, and multi-vehicle owners. Farmers reward safe drivers, bundlers, homeowners, and good students.
Geico offers savings for good drivers, military members, multi-policy holders, and vehicles with anti-lock brakes. Liberty Mutual gives discounts for multi-policy holders, safe vehicles, and hybrid or electric cars.
Indiana Report Card: Car Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver Discount | A | 30% | All major providers |
| Good Student Discount | B | 15% | State Farm, Progressive, Geico |
| Low Mileage Discount | C | 10% | All major providers |
Indiana also offers state-level discounts, such as the safe driver, good student, and low mileage discounts. Check out how to drive safely, no matter the time of day, for more information about Indiana’s cheap car insurance and how to save money.
Indiana Car Insurance Additional Coverage Options
When selecting car insurance, it’s important to explore all coverage options for responsible drivers. Indiana auto insurance rates are lower than the national average, which makes insurance accessible to most people.
Indiana Report Card: Car Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Average Premium | A | Premiums are below the national average, indicating affordability. |
| Claims Satisfaction | B | Positive feedback, though some delays in processing. |
| Market Share | C | Moderate share due to competition from larger providers. |
Some customers experience delays in claims processing that lower their overall satisfaction. The state market is moderately competitive, with the bigger providers having a large share.
Additional protection is that you consider how the states rank on uninsured drivers. MedPay and Underinsured/Uninsured Motorist’s Property Damage have steady loss ratios of 85.48%.
| Loss Ratio | 2015 | 2014 | 2013 |
|---|---|---|---|
| Medical Payments (MedPay) | 85.48 | 82.86 | 79.55 |
| Underinsured Motorists / Uninsured Motorists Property Damage Coverage | 73.42 | 64.13 | 60.33 |
It will save you from financial burdens in case you get involved in an accident, and without protection for uninsured motorists, out-of-pocket costs will be so high.
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Car Insurance Accident and Claims in Indiana
In Indiana, car accidents and claims vary by city. Car insurance in Gary, Indiana is essential, with 3,800 accidents and 3,000 claims annually. Indianapolis has the highest numbers at 25,000 accidents and 18,000 claims.
Indiana Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Bloomington | 2,200 | 1,800 |
| Carmel | 2,000 | 1,500 |
| Evansville | 4,000 | 3,200 |
| Fishers | 1,800 | 1,400 |
| Fort Wayne | 7,500 | 5,000 |
| Gary | 3,800 | 3,000 |
| Indianapolis | 25,000 | 18,000 |
| Lafayette | 2,000 | 1,600 |
| Muncie | 2,500 | 2,000 |
| South Bend | 3,500 | 2,800 |
Smaller cities like Carmel and Fishers report around 2,000 accidents a year, but claims are still significant. This data helps drivers select the right car insurance in Gary, Indiana, or elsewhere.
Filing a car insurance claim after an accident involves common claim types. Collision claims, making up 30%, average $3,500, while comprehensive claims average $1,800 and account for 25%.
5 Common Car Insurance Claims in Indiana
| Claim Type | Portion of Claims | Average Cost per Claim |
|---|---|---|
| Collision | 30% | $3,500 |
| Comprehensive (Non-collision) | 25% | $1,800 |
| Liability (Property Damage) | 20% | $5,000 |
| Liability (Bodily Injury) | 15% | $10,000 |
| Uninsured/Underinsured Motorist | 10% | $7,500 |
Liability claims, covering property damage and bodily injury, make up 35%. Property damage averages $5,000, while bodily injury averages $10,000. Uninsured motorist claims make up 10%, averaging $7,500.
Find the Cheapest Car Insurance in Indiana
Getting affordable car insurance in Indiana starts with comparing prices, seeking discounts, and choosing the proper coverage. Being smart can save you hundreds of dollars while giving you the protection you need.
Here are five key steps to compare several insurance policies, review coverage information, and get the best possible rate for your individual needs.
- Check Rates: Compare car insurance rates by state to find top Indiana providers and see how their rates stack up against the state average.
- Review Discounts: Check for discounts that apply to your profile, such as safe driver, multi-car, or bundling discounts.
- Evaluate Coverage Options: Ensure the coverage meets your needs without unnecessary extras that increase your premium.
- Consider Your Driving Record: Your driving history affects rates. Companies like Geico and USAA offer lower rates for safe drivers.
- Calculate Savings: Compare rates with the state average to calculate potential savings. For instance, Nationwide can save you $600 a year compared to the average rate.
By comparing the rates and looking at key factors, you will be able to find the most affordable car insurance in Indiana. Taking your time to shop around could save you hundreds or even thousands over time.
Find the Best Indiana Car Insurance Companies
Indiana offers a wealth of attractions, from the Indianapolis Speedway to the shores of Lake Michigan. With so much to explore, the last thing you should worry about is finding affordable car insurance in Indianapolis, IN.
We’ve researched the top auto insurance companies in the state, covering financial strength, AM Best ratings, and customer complaints. Our analysis includes both national providers and local options, focusing on customer service and claims handling.
Allstate stands out as the best car insurance provider in Indiana, offering comprehensive coverage, excellent customer satisfaction, and valuable bundling discounts.
Jeff Root Licensed Insurance Agent
While no insurer is flawless, many offer great coverage at competitive prices. Whether you’re looking for the cheapest car insurance companies or the best overall coverage, we’ve got you covered.
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Best Car Insurance in Indiana: Top Providers, Rates, and Savings Tips
To find the best car insurance in Indiana, one must balance coverage with cost. Allstate is considered the best in customer service, Nationwide in claims processing, and Liberty Mutual for flexible policy options. The average car insurance in Indiana is $15 per month for minimum coverage and $183 for full coverage.
To save, compare quotes and use discounts like safe-driver and multi-policy savings. Learning how to lower your car insurance cost by maintaining a clean record, bundling policies, or adjusting coverage helps reduce expenses. Ready to find affordable car insurance? Use our free comparison tool to get started.
Frequently Asked Questions
What is the best car insurance company in Indiana?
Allstate, Nationwide, and Liberty Mutual are the top car insurance providers in Indiana, offering great coverage, competitive rates, and strong customer service.
How can I compare quotes for the best car insurance in Indiana?
Enter your ZIP code into our comparison tool to get quotes from top providers like Allstate, Nationwide, and Liberty Mutual. See if you’re getting the best deal on car insurance by entering your ZIP code.
What are the requirements for minimum coverage in Indiana car insurance?
Indiana mandates a minimum liability coverage of 25/50/25, and many of the best Indiana auto insurance providers, such as Allstate, offer policies that meet these required standards.
Can I get additional coverage options from the best insurance providers in Indiana?
Yes, top providers like Allstate and Nationwide offer additional types of car insurance coverage like MedPay, Uninsured Motorist Property Damage, and theft protection.
What discounts are available from the best car insurance companies in Indiana?
Allstate, Nationwide, and Liberty Mutual offer discounts for safe driving, bundling policies, good students, and anti-theft devices.
What is the average cost of the best car insurance in Indiana?
The average annual cost in Indiana is $1,033, with rates as low as $15 per month for minimum coverage and $183 for full coverage.
How does full coverage car insurance work with top providers in Indiana?
Full coverage from providers like Liberty Mutual includes liability, collision, and comprehensive protection against accidents and damages. Read more about bodily injury liability insurance coverage.
Which company offers the best claims processing in Indiana?
Nationwide is known for its efficient and reliable claims processing in Indiana. Find the best comprehensive car insurance quotes by entering your ZIP code into our free comparison tool today.
What factors affect car insurance rates with top providers in Indiana?
Rates with Allstate and Liberty Mutual depend on driving history, location, age, credit score, and coverage level.
How can I minimize my insurance premiums with Indiana’s best providers?
You can reduce premiums by maintaining a clean driving record and bundling plans, choosing higher deductibles, and using available discounts. Discover when to use your deductible.