Cheapest Car Insurance in Indiana (Updated For 2022)

Cheapest Car Insurance in Indiana.

Getting car insurance in Indiana isn’t always as easy as it seems. Especially if you’re on a budget. This is why we gathered information on the cheapest car insurance in Indiana.

They have higher than average IN auto insurance rates compared to other U.S. states. Whether you’re 20, 22, 25, or 30, you’ll find the cheapest for your age.

Auto insurance is a requirement in the state of Indiana, so you will have to spend money on this type of insurance regardless.

Below, you will find information about the cheapest car insurance in Indiana.

Overview of the Cheapest Car Insurance in Indiana

For Minimum Coverage: Erie offers cheap auto insurance for minimum coverage at $371 annually or $30.92 a month.

Cheapest Full Coverage: Erie also offers the cheapest full coverage car insurance at $392 a year or $32.67 a month. 

For Drivers With One At-Fault Accident: Erie is the best option for drivers with one at-fault accident. Going with Erie will cost you $537 a year or $44.75 per month.

Cheapest For Drivers With a DUI: Drivers with a DUI will pay $617 annually or $51.42 a month with Progressive.

For Drivers With a Speeding Ticket: Erie offers the lowest priced auto insurance at $422 a year or $35.17 a month.

Cheapest For Drivers With Poor Credit: If you have poor credit, Erie is the cheapest option for auto insurance. Getting Erie insurance will cost you $683 a year or $56.92 per month.

We excluded USAA from these Indiana insurance choices due to USAA only being available to those currently or previously involved with the military.

Cheapest Minimum Coverage Car Insurance in Indiana

If you want the bare minimum coverage in Indiana, these are the lowest rates:

Insurance CompanyAnnual RateMonthly Rate
Erie$371$30.92
GEICO$381$31.75
State Farm$414$34.50
Progressive$440$36.67
United Farm Bureau of IN Group$518$43.17

Cheapest Full Coverage Car Insurance in Indiana

These are the rates you can expect in Indiana if you want to be fully covered when driving:

Insurance CompanyAnnual RateMonthly Rate
Erie$392$32.67
GEICO$433$36.08
State Farm$469$39.08
Progressive$482$40.17
United Farm Bureau of IN Group$579$48.25

Cheap Car Insurance in Indiana For Drivers With Previous Accidents

Accidents will likely result in your monthly insurance costs increasing. Getting in an accident in IN may include; speeding tickets, at-fault accidents, or DUIs.

Cheapest Indiana Car Insurance With a Speeding Ticket

Here are the cheapest car insurance in IN for a driver with a speeding ticket.

Insurance CompanyAnnual RateMonthly Rate
Erie$422$35.17
State Farm$512$42.67
GEICO$588$49.00
American Family$725$60.42
Progressive$764$63.67

Cheap Indiana Auto Insurance With One At-Fault Accident

These are the cheapest options when it comes to car insurance for IN drivers with one at-fault accident.

Insurance CompanyAnnual RateMonthly Rate
Erie$537$44.75
State Farm$643$53.58
American Family$725$60.42
GEICO$767$63.92
United Farm Bureau of IN Group$896$74.67

Cheap Indiana Car Insurance With a DUI

These insurance companies each have cheap annual rates for IN drivers with a DUI.

Insurance CompanyAnnual RateMonthly Rate
Progressive$617$51.42
Erie$651$54.25
American Family$725$60.42
State Farm$750$62.50
Farmers$888$74.00

Related: Cheapest Car Insurance in Colorado

Cheapest Auto Insurance For Indiana Drivers With Poor Credit

If you’re located in Indiana and have poor credit, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
Erie$683$56.92
GEICO$754$62.83
State Farm$816$68.00
Progressive$838$69.83
United Farm Bureau of IN Group$1,007$83.92

Cheapest Car Insurance For 20-Year-Old Drivers in Indiana

Younger drivers typically have to deal with higher insurance costs. This is especially true for 20-year-olds in IN.

Cheapest Full Coverage Car Insurance For 20-Year-Old Indiana Drivers

These companies have the cheapest full coverage auto insurance for 20-year-olds in IN.

Insurance CompanyAnnual RateMonthly Rate
Erie$879$73.25
GEICO$970$80.83
State Farm$1,051$87.58
Progressive$1,079$89.92
United Farm Bureau of IN Group$1,297$108.08

Cheapest Minimum Coverage Car Insurance in Indiana For 20-Year-Old Drivers

The cheapest minimum coverage auto insurance for 20-year-olds are these companies in IN.

Insurance CompanyAnnual RateMonthly Rate
Erie$830$69.17
GEICO$853$71.08
State Farm$928$77.33
Progressive$985$82.08
United Farm Bureau of IN Group$1,159$96.58

Cheap Auto Insurance For 20-Year-Old Indiana Drivers With Poor Credit

Here are the lowest annual and monthly rates for 20-year-old IN drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
Erie$1,530$127.50
GEICO$1,690$140.83
State Farm$1,829$152.42
Progressive$1,879$156.58
United Farm Bureau of IN Group$2,258$188.17

Cheap Car Insurance For 20-Year-Old Indiana Drivers With a Speeding Ticket

These insurers have the least expensive car insurance for 20-year-old IN drivers with a speeding ticket.

Insurance CompanyAnnual RateMonthly Rate
Erie$945$78.75
State Farm$1,148$95.67
GEICO$1,317$109.75
American Family$1,623$135.25
Progressive$1,712$142.67

Cheap Auto Insurance in Indiana For 20-Year-Old Drivers With a DUI

Here are the cheapest car insurance prices for 20-year-olds with a DUI:

Insurance CompanyAnnual RateMonthly Rate
Progressive$1,383$115.25
Erie$1,457$121.42
American Family$1,623$135.25
State Farm$1,680$140.00
Farmers$1,990$165.83

Cheap Car Insurance in Indiana For 20-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and annual costs for 20-year-old drivers in IN with one at-fault accident:

Insurance CompanyAnnual RateMonthly Rate
Erie$1,202$100.17
State Farm$1,440$120.00
American Family$1,623$135.25
GEICO$1,718$143.17
United Farm Bureau of IN Group$2,007$167.25

Cheapest Car Insurance For 22-Year-Old Drivers in Indiana

A 22-year-old IN driver usually won’t be paying as much for their auto insurance compared to 18-year-olds or 20-year-olds. However, a 22-year-old in IN also won’t have the discounted car insurance price older individuals have.

Cheapest Full Coverage Car Insurance For 22-Year-Old Indiana Drivers

The lowest cost full coverage auto insurance for 22-year-olds in IN are these companies:

Insurance CompanyAnnual RateMonthly Rate
Erie$647$53.92
GEICO$715$59.58
State Farm$774$64.50
Progressive$795$66.25
United Farm Bureau of IN Group$955$79.58

Cheapest Minimum Coverage Car Insurance in Indiana For 22-Year-Old Drivers

When it comes to cheap minimum coverage auto insurance in IN for 22-year-olds, these are the best companies to use:

Insurance CompanyAnnual RateMonthly Rate
Erie$612$51.00
GEICO$628$52.33
State Farm$683$56.92
Progressive$725$60.42
United Farm Bureau of IN Group$854$71.17

Cheap Auto Insurance For 22-Year-Old Indiana Drivers With Poor Credit

Here are the cheapest yearly and monthly auto insurance rates for 22-year-old IN drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
Erie$1,126$93.83
GEICO$1,243$103.58
State Farm$1,346$112.17
Progressive$1,383$115.25
United Farm Bureau of IN Group$1,662$138.50

Cheap Car Insurance For 22-Year-Old Indiana Drivers With a Speeding Ticket

These insurers have the cheapest expensive car insurance for 22-year-old IN drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
Erie$696$58.00
State Farm$846$70.50
GEICO$970$80.83
American Family$1,196$99.67
Progressive$1,261$105.08

Cheap Auto Insurance in Indiana For 22-Year-Old Drivers With a DUI

These are the least expensive car insurance prices for 22-year-olds with a DUI:

Insurance CompanyAnnual RateMonthly Rate
Progressive$1,019$84.92
Erie$1,073$89.42
American Family$1,196$99.67
State Farm$1,238$103.17
Farmers$1,466$122.17

Cheap Car Insurance in Indiana For 22-Year-Old Drivers With One At-Fault Accident

These insurance companies offer cheap annual and monthly car insurance for 22-year-olds in IN with an accident:

Insurance CompanyAnnual RateMonthly Rate
Erie$886$73.83
State Farm$1,061$88.42
American Family$1,196$99.67
GEICO$1,265$105.42
United Farm Bureau of IN Group$1,478$123.17

Cheapest Car Insurance For 25-Year-Old Drivers in Indiana

25 is the age when IN auto insurance premiums start to decline quicker. This means living in Indiana, you get to save more money on car insurance.

Cheapest Full Coverage Car Insurance For 25-Year-Old Indiana Drivers

Here are the cheapest options for full coverage auto insurance for 25-year-olds in IN:

Insurance CompanyAnnual RateMonthly Rate
Erie$483$40.25
GEICO$533$44.42
State Farm$577$48.08
Progressive$593$49.42
United Farm Bureau of IN Group$712$59.33

Cheapest Minimum Coverage Car Insurance in Indiana For 25-Year-Old Drivers

These auto insurers has the cheapest minimum coverage car insurance for IN 25-year-olds.

Insurance CompanyAnnual RateMonthly Rate
Erie$456$38.00
GEICO$458$38.17
State Farm$509$42.42
Progressive$541$45.08
United Farm Bureau of IN Group$637$53.08

Cheap Auto Insurance For 25-Year-Old Indiana Drivers With Poor Credit

25-year-old drivers with poor credit can use these companies for the lowest annual and monthly rates.

Insurance CompanyAnnual RateMonthly Rate
Erie$840$70.00
GEICO$927$77.25
State Farm$1,004$83.67
Progressive$1,031$85.92
United Farm Bureau of IN Group$1,239$103.25

Cheap Car Insurance For 25-Year-Old Indiana Drivers With a Speeding Ticket

Here are the least expensive auto insurance options for 25-year-old IN drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
Erie$519$43.25
State Farm$630$52.50
GEICO$723$60.25
American Family$891$74.25
Progressive$940$78.33

Cheap Auto Insurance in Indiana For 25-Year-Old Drivers With a DUI

25-year-olds with a DUI have these options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
Progressive$759$63.25
Erie$800$66.67
American Family$891$74.25
State Farm$923$76.92
Farmers$1,092$91.00

Cheap Car Insurance in Indiana For 25-Year-Old Drivers With One At-Fault Accident

These are the least expensive car insurance yearly and monthly costs for 25-year-old drivers in IN with one at-fault accident:

Insurance CompanyAnnual RateMonthly Rate
Erie$660$55.00
State Farm$791$65.92
American Family$891$74.25
GEICO$943$78.58
United Farm Bureau of IN Group$1,102$91.83

Cheapest Car Insurance For 30-Year-Old Drivers in Indiana

Indiana auto insurance prices in your 30s will be even cheaper compared to your teenage years and early to mid-20s.

Cheapest Full Coverage Car Insurance For 30-Year-Old Indiana Drivers

Here are the cheapest car insurance options for 30-year-olds in IN that want to be fully covered:

Insurance CompanyAnnual RateMonthly Rate
Erie$392$32.67
GEICO$433$36.08
State Farm$469$39.08
Progressive$482$40.17
United Farm Bureau of IN Group$579$48.25

Cheapest Minimum Coverage Car Insurance in Indiana For 30-Year-Old Drivers

Here are the cheapest auto insurance rates for 30-year-olds in IN that want minimum coverage:

Insurance CompanyAnnual RateMonthly Rate
Erie$371$30.92
GEICO$381$31.75
State Farm$414$34.50
Progressive$440$36.67
United Farm Bureau of IN Group$518$43.17

Cheap Auto Insurance For 30-Year-Old Indiana Drivers With Poor Credit

These are the least expensive annual and monthly rates for 30-year-old IN drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
Erie$683$56.92
GEICO$754$62.83
State Farm$816$68.00
Progressive$838$69.83
United Farm Bureau of IN Group$1,007$83.92

Cheap Car Insurance For 30-Year-Old Indiana Drivers With a Speeding Ticket

Check out these IN insurance companies for cheap car insurance for 30-year-old drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
Erie$422$35.17
State Farm$512$42.67
GEICO$588$49.00
American Family$725$60.42
Progressive$764$63.67

Cheap Auto Insurance in Indiana For 30-Year-Old Drivers With a DUI

These insurers have the cheapest auto insurance prices for IN 30-year-olds with a DUI.

Insurance CompanyAnnual RateMonthly Rate
Progressive$617$51.42
Erie$651$54.25
American Family$725$60.42
State Farm$750$62.50
Farmers$888$74.00

Cheap Car Insurance in Indiana For 30-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and yearly costs for 30-year-old drivers in IN with one accident on record:

Insurance CompanyAnnual RateMonthly Rate
Erie$537$44.75
State Farm$643$53.58
American Family$725$60.42
GEICO$767$63.92
United Farm Bureau of IN Group$896$74.67

Indiana Minimum Auto Insurance Requirements

The state of Indiana has a list of requirements for the minimum amount of auto insurance a driver can have.

These requirements include:

  1. At a minimum; insured for $25,000 bodily injury liability per person and $50,000 total.
  2. A total of $25,000 per crash for property damage caused by the vehicle.

Methodology For Choosing Cheapest Indiana Auto Insurance

We compared rates from Indiana auto insurance companies throughout the state. The rates we used are calculated for a 35-year-old male with a good credit score (690-719).

Other stats used for the calculated rates include:

Bodily Injury Coverage: $50,000

Overall Coverage: $100,000

Property Damage Coverage: $50,000

Age: 35 years old

Vehicle: 2020 Sedan

Number of Incidents: 0

Credit Score: Good (690-719)

Comprehensive and Collision Coverage: None

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