CarInsuranceGuide Updated May 2026
BEST CAR INSURANCE IN 2026

Best Car Insurance in Indiana

Indiana averages $1,674/year for full coverage — 28% below national average. Indiana has consistently low car insurance rates due to low population density, fewer severe weather events than neighboring Midwest states, lower medical costs, and reasonable minimum requirements.

$1,674/yr
Full coverage avg
$463/yr
Min coverage avg
25/50/25
State minimum

Best Car Insurance in Indiana — Ranked

#1 GEICO
$1,320/yr avg • A++ AM Best • Cheapest rates in Indiana
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#2 Progressive
$1,410/yr avg • A+ AM Best • Best for Snapshot telematics savings
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#3 Erie Insurance
$1,380/yr avg • A+ AM Best • Regional insurer with excellent IN service
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#4 State Farm
$1,820/yr avg • A++ AM Best • Best claims satisfaction in Indiana
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Indiana Car Insurance FAQ

Indiana averages $1,674/year for full coverage — 28% below the national average. Minimum coverage averages $463/year. Indiana is one of the most affordable states in the Midwest for car insurance.
Indiana requires minimum 25/50/25 liability: $25K per person, $50K per accident bodily injury, $25K property damage. Indiana also requires uninsured motorist coverage at the same limits unless you reject it in writing.
GEICO averages around $1,320/year for full coverage in Indiana — the lowest among major national carriers. Erie Insurance (regional) is also very competitive at similar rates with strong local service.
Indiana has low population density outside Indianapolis, fewer severe weather events than tornado-prone Midwestern neighbors, lower medical costs, and a below-average uninsured driver rate (~14%). All of these factors keep claims costs — and premiums — lower.
Yes — Indiana requires uninsured motorist (UM) coverage at minimum 25/50 unless you reject it in writing. Given that ~14% of Indiana drivers are uninsured, keeping UM coverage is strongly recommended even if you reject the required minimum.

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Takes 5 minutes. The average Indiana driver saves $400–$800/year by switching from their current insurer.

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