Best picks for car insurance in Indiana
Data-powered research to help you choose the best Indiana car insurance
| Data-powered research on IN car insurance |
|---|
What's the best choice for full coverage car insurance in Indiana?
Travelers and USAA are the best options for full coverage car insurance rates in Indiana.
- Travelers is the cheapest option in the state for most people, at $129 per month. However, Travelers doesn't have great customer service reviews. So it may take longer to get your car fixed after an accident.
- Auto-Owners is the best choice if you're willing to pay a bit more for great service. At $149 per month, Auto-Owners offers the best mix of affordable rates and reliable customer service.
- Indiana drivers with military ties can find the cheapest rates at USAA, at around $82 per month. But only active-duty military members, veterans and some of their family members can buy car insurance from USAA.
Find Cheap Auto Insurance Quotes in Indiana
Cheap full coverage car insurance in Indiana
Company | Rating | Monthly rate |
|---|---|---|
| Travelers | 3.5/5 | $129 |
| Progressive | 3.5/5 | $132 |
| Auto-Owners | 4/5 | $149 |
| Farm Bureau | 4.5/5 | $165 |
| Geico | 3/5 | $167 |
| State Farm | 4.5/5 | $169 |
| Allstate | 2.5/5 | $248 |
| Farmers | 3.5/5 | $256 |
| USAA* | 4.5/5 | $82 |
*USAA is only available to current and former military members and their families.
ValuePenguin editors score car insurance companies based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Indiana
- Coverage availability and optional add-ons
- The insurance team's 50+ years of industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Senior Writer, Licensed Property and Casualty Insurance Agent
Indiana offers (but doesn't require) medical payments coverage. This coverage helps pay for your injuries and your passengers' injuries when you're in an accident, whether you cause it or not.
Unless you truly can't afford anything but a bare-bones policy, you should probably buy medical payments coverage. The coverage is typically cheap, so it won't add much to your monthly rate.Medical care can be expensive even if you have health insurance, and any extra help to pay the bills is useful for most people. Plus, medical payments coverage on a car insurance policy doesn't have a deductible, which means it immediately starts paying for your medical bills.
What's the best option for liability-only car insurance in Indiana?
Auto-Owners is the clear winner for the best minimum liability car insurance in Indiana, at $42 per month.
That's around one-quarter less than the Indiana state average of $58 per month. Auto-Owners also has reliable customer service, making it the best choice for most people.
Cheap liability car insurance in Indiana
Company | Rating | Monthly rate |
|---|---|---|
| Auto-Owners | 4/5 | $42 |
| Travelers | 3.5/5 | $44 |
| Farm Bureau | 4.5/5 | $50 |
| Progressive | 3.5/5 | $51 |
| State Farm | 4.5/5 | $56 |
| Geico | 3/5 | $60 |
| Farmers | 3.5/5 | $92 |
| Allstate | 2.5/5 | $99 |
| USAA* | 4.5/5 | $28 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Indiana
What's the best option for teen car insurance in Indiana?
Progressive and Travelers are the leading options for Indiana car insurance for young drivers.
Progressive tends to have the cheapest minimum liability coverage, at around $122 per month for an 18-year-old driver in Indiana. That's one-quarter cheaper than the Indiana state average, which is $166 per month.
Travelers has the cheapest full coverage rates for teens. At $356 per month, a policy from Travelers costs $84 per month less than the Indiana average.
Best Indiana car insurance quotes for teens
Minimum liability
Full coverage
Company | Rating | Monthly rate |
|---|---|---|
| Progressive | 3.5/5 | $122 |
| Travelers | 3.5/5 | $128 |
| Geico | 3/5 | $140 |
| Auto-Owners | 4/5 | $140 |
| USAA* | 4.5/5 | $70 |
*USAA is only available to current and former military members and their families.
The best companies all earned an editor's rating of 3 out of 5 or higher, indicating that a company is "better than average." Editor's ratings are based on cost, customer service reviews and coverage availability.
The best way for young drivers to find cheap insurance in Indiana is by sharing a policy with their parents.
But price shouldn't be the only thing you consider when shopping for car insurance in Indiana. You should look for a company that offers reliable customer service at an affordable rate.
You may also need more coverage than the absolute cheapest policy provides. For example, if you have a car loan or lease, you're typically required to have what's called comprehensive and collision coverage, which are part of a full coverage policy.
What's the top choice for auto insurance in Indiana after a speeding ticket?
Auto-Owners is the best fit for Indiana drivers with a recent speeding ticket. Full coverage insurance from Auto-Owners costs around $149 per month after a speeding ticket. That's $54 per month cheaper than average. And Auto-Owners has great customer service, so you can count on the company to help get your life back to normal quickly if you're in an accident in the future.
Cheap Indiana auto insurance rates after a ticket
Company | Rating | Monthly rate |
|---|---|---|
| Auto-Owners | 4/5 | $149 |
| Travelers | 3.5/5 | $162 |
| Progressive | 3.5/5 | $171 |
| State Farm | 4.5/5 | $183 |
| USAA* | 4.5/5 | $103 |
*USAA is only available to current and former military members and their families.
One speeding ticket in Indiana can raise your rates by an average of 22%. That's an increase of around $36 per month for a full coverage policy.
What's the best option for Indiana car insurance after an accident?
Travelers is the most affordable option for Indiana drivers after an at-fault accident. Full coverage insurance from Travelers is $180 per month, which is $62 per month cheaper than the state average.
Auto-Owners is also a standout option after a crash. At $182 per month, full coverage from Auto-Owners is only a few dollars more each month than Travelers. And Auto-Owners has better customer service reviews than Travelers, which could come in handy if you're in another accident in the future.
Low-cost auto insurance in Indiana after an accident
Company | Rating | Monthly rate |
|---|---|---|
| Travelers | 3.5/5 | $180 |
| Auto-Owners | 4/5 | $182 |
| Progressive | 3.5/5 | $194 |
| State Farm | 4.5/5 | $210 |
| USAA* | 4.5/5 | $118 |
*USAA is only available to current and former military members and their families.
In Indiana, having an accident on your record will increase your rates by an average of 46%, or $76 per month, for full coverage insurance.
Do I need to report an accident to the Indiana BMV?
After an accident in Indiana, your insurance company must file what's called a certificate of compliance with the Bureau of Motor Vehicles.
The certificate proves you have the minimum amount of insurance required to drive legally in Indiana. Be sure to ask your insurance agent or claims representative about filing the certificate once your insurance claim is underway.
What's the top choice for insurance in IN for teens after a ticket or accident?
Progressive offers the best value on car insurance for Indiana teens with a bad driving record.
A minimum liability policy from Progressive costs $129 per month for an 18-year-old with a speeding ticket. That's $74 per month cheaper than the Indiana average.
Progressive also has the cheapest rates for teens after an accident. At around $138 per month, Progressive is $111 per month cheaper than the state average.
Auto-Owners is also a strong pick for Indiana teens with a ticket or accident on their record. The company has more reliable customer service than Progressive, so spending a little extra may be worth it if you ever get into an accident and have to make a claim.
Liability-only quotes for Indiana teens after a ticket or accident
Speeding ticket
Accident
Company | Rating | Monthly rate |
|---|---|---|
| Progressive | 3.5/5 | $129 |
| Auto-Owners | 4/5 | $143 |
| Travelers | 3.5/5 | $159 |
| Geico | 3/5 | $171 |
| USAA* | 4.5/5 | $115 |
*USAA is only available to current and former military members and their families.
In Indiana, teen car insurance rates go up by an average of 23% after one speeding ticket and 50% after an accident.
There's a difference of $312 per month between the most and least expensive insurance companies for teens after a crash. That's why it's so important for teens and their families to shop around for multiple quotes after a ticket or accident.
What's the most affordable option for Indiana car insurance after a DUI?
Progressive is the best fit for Indiana drivers with a recent DUI. At $156 per month, a full coverage policy from Progressive is $126 per month less expensive than the state average. It's also $30 per month less than the second-cheapest company, Travelers.
Most affordable car insurance in Indiana after a DUI
Company | Rating | Monthly rate |
|---|---|---|
| Progressive | 3.5/5 | $156 |
| Travelers | 3.5/5 | $186 |
| Farm Bureau | 4.5/5 | $295 |
| State Farm | 4.5/5 | $304 |
| USAA* | 4.5/5 | $157 |
*USAA is only available to current and former military members and their families.
Indiana drivers can see their rates go up by an average of 69% after a DUI.
You may also need an SR-22 filing in Indiana after a DUI. An SR-22 filing typically costs between $15 and $50 on top of any increase in your insurance rates.
Progressive makes it easy to request an SR-22 when you get a quote online, which is just another reason that it's a great option after a DUI.
What's the top pick for Indiana drivers with poor credit?
Travelers is the right choice for most drivers with poor credit in Indiana, at $210 per month for full coverage. That's $134 per month cheaper than the Indiana state average.
Cheap auto insurance in Indiana if you have poor credit
Company | Rating | Monthly rate |
|---|---|---|
| Travelers | 3.5/5 | $210 |
| Progressive | 3.5/5 | $217 |
| Geico | 3/5 | $254 |
| Farm Bureau | 4.5/5 | $338 |
| USAA* | 4.5/5 | $150 |
*USAA is only available to current and former military members and their families.
In Indiana, the average cost of car insurance is $344 per month for drivers with poor credit. That's almost twice as much as drivers with good credit pay for full coverage in Indiana.
Insurance companies typically charge higher rates for drivers with poor credit. That's because companies believe people with bad credit are more likely to file a claim.
Who has the best car insurance in Indiana?
USAA is the top choice in Indiana because of its affordable rates and excellent customer service.
But only military members, veterans and their family members can buy car insurance from USAA.
If you can't get insurance from USAA, our experts recommend Auto-Owners. It offers the best mix of cheap rates and reliable customer service in Indiana. State Farm and Farm Bureau are also great options, but they tend to be more expensive than Auto-Owners.
Top insurance companies in Indiana
Company |
Rating
|
Claims experience
|
Customer complaints
|
|---|---|---|---|
| USAA* | 4.5/5 | Excellent | Average |
| State Farm | 4.5/5 | Good | Low |
| Farm Bureau | 4.5/5 | NR | Low |
| Auto-Owners | 4/5 | Good | Low |
| Travelers | 3.5/5 | Average | Low |
| Farmers | 3.5/5 | Average | High |
| Progressive | 3.5/5 | Poor | High |
| Geico | 3/5 | Average | Low |
| Allstate | 2.5/5 | Average | Average |
All of the companies we included have an "A" financial strength rating or better from AM Best. That means these companies shouldn't have an issue paying out claims, even in difficult financial situations such as a major natural disaster.
Top car insurance companies in Indiana by city
Travelers is the most affordable pick in nearly 70% of cities and towns across Iowa.
Progressive is the lowest-cost option in many of the remaining areas, including Indianapolis and many of its suburbs.
Gary, a city near the Indiana-Illinois border, is the most expensive city in Indiana for car insurance. Drivers in Gary pay an average of $259 per month for full coverage car insurance.
Tipton, a small city north of Indianapolis, has the cheapest rates in the state, at $159 per month.
Find Cheap Auto Insurance Quotes in Indiana
Cheapest Indiana car insurance rates by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Aberdeen | $187 | Progressive | $139 |
| Advance | $175 | Progressive | $119 |
| Akron | $177 | Travelers | $126 |
| Alamo | $173 | Travelers | $118 |
| Albany | $166 | Progressive | $113 |
| Albion | $170 | Travelers | $125 |
| Alexandria | $168 | Progressive | $105 |
| Altona | $168 | Travelers | $119 |
| Ambia | $173 | Travelers | $118 |
| Amboy | $165 | Travelers | $111 |
| Americus | $163 | Travelers | $116 |
| Amo | $180 | Travelers | $123 |
| Anderson | $172 | Progressive | $120 |
| Andrews | $163 | Travelers | $115 |
| Angola | $171 | Travelers | $114 |
| Arcadia | $169 | Travelers | $120 |
| Arcola | $182 | Progressive | $127 |
| Argos | $166 | Travelers | $120 |
| Arlington | $162 | Travelers | $116 |
| Ashley | $167 | Travelers | $120 |
| Athens | $181 | Progressive | $127 |
| Atlanta | $164 | Progressive | $116 |
| Attica | $177 | Travelers | $125 |
| Atwood | $167 | Progressive | $124 |
| Auburn | $168 | Progressive | $120 |
| Aurora | $185 | Travelers | $128 |
| Austin | $185 | Travelers | $129 |
| Avilla | $170 | Travelers | $121 |
| Avoca | $184 | Travelers | $128 |
| Avon | $178 | Progressive | $126 |
| Bainbridge | $181 | Travelers | $127 |
| Bargersville | $176 | Travelers | $127 |
| Bass Lake | $189 | Travelers | $126 |
| Batesville | $172 | Travelers | $125 |
| Bath | $170 | Progressive | $135 |
| Battle Ground | $164 | Travelers | $116 |
| Bedford | $184 | Travelers | $127 |
| Beech Grove | $200 | Progressive | $136 |
| Bellmore | $189 | Geico | $142 |
| Bennington | $192 | Travelers | $135 |
| Bentonville | $169 | Progressive | $122 |
| Berne | $160 | Travelers | $113 |
| Bethlehem | $186 | Travelers | $126 |
| Beverly Shores | $183 | Travelers | $134 |
| Bicknell | $180 | Travelers | $128 |
| Bippus | $171 | Progressive | $121 |
| Birdseye | $169 | Travelers | $121 |
| Blanford | $181 | Progressive | $131 |
| Bloomfield | $183 | Travelers | $129 |
| Bloomingdale | $178 | Travelers | $129 |
| Bloomington | $176 | Travelers | $125 |
| Bluffton | $162 | Travelers | $113 |
| Boggstown | $175 | Travelers | $127 |
| Boone Grove | $188 | Progressive | $139 |
| Boonville | $184 | Travelers | $132 |
| Borden | $191 | Travelers | $132 |
| Boswell | $174 | Travelers | $122 |
| Bourbon | $165 | Travelers | $120 |
| Bowling Green | $190 | Travelers | $126 |
| Bradford | $199 | Progressive | $152 |
| Branchville | $179 | Travelers | $123 |
| Brazil | $186 | Travelers | $127 |
| Bremen | $165 | Progressive | $121 |
| Bridgeton | $175 | Travelers | $127 |
| Bright | $185 | Travelers | $132 |
| Brimfield | $168 | Progressive | $126 |
| Bringhurst | $171 | Travelers | $122 |
| Bristol | $165 | Progressive | $117 |
| Bristow | $176 | Travelers | $130 |
| Brook | $178 | Travelers | $116 |
| Brooklyn | $179 | Travelers | $119 |
| Brookston | $170 | Travelers | $119 |
| Brookville | $183 | Travelers | $132 |
| Brownsburg | $178 | Travelers | $126 |
| Brownstown | $181 | Travelers | $112 |
| Brownsville | $163 | Travelers | $115 |
| Bruceville | $178 | Travelers | $124 |
| Bryant | $162 | Travelers | $111 |
| Buckskin | $178 | Travelers | $132 |
| Buffalo | $178 | Travelers | $121 |
| Bunker Hill | $167 | Travelers | $108 |
| Burket | $168 | Travelers | $127 |
| Burlington | $173 | Travelers | $126 |
| Burnettsville | $181 | Travelers | $120 |
| Burns Harbor | $186 | Travelers | $135 |
| Burrows | $181 | Progressive | $128 |
| Butler | $168 | Travelers | $121 |
| Butlerville | $183 | Travelers | $126 |
| Cambridge City | $160 | Progressive | $113 |
| Camby | $191 | Travelers | $131 |
| Camden | $174 | Travelers | $123 |
| Campbellsburg | $195 | Travelers | $129 |
| Canaan | $185 | Travelers | $136 |
| Cannelburg | $176 | Progressive | $128 |
| Cannelton | $178 | Travelers | $125 |
| Carbon | $184 | Travelers | $127 |
| Carlisle | $190 | Travelers | $131 |
| Carmel | $171 | Progressive | $120 |
| Carthage | $165 | Travelers | $120 |
| Cayuga | $180 | Travelers | $123 |
| Cedar Grove | $179 | Travelers | $130 |
| Cedar Lake | $197 | Progressive | $135 |
| Celestine | $166 | Travelers | $115 |
| Centerpoint | $188 | Travelers | $129 |
| Centerville | $161 | Progressive | $112 |
| Central | $198 | Travelers | $133 |
| Chalmers | $176 | Travelers | $119 |
| Chandler | $182 | Travelers | $132 |
| Charlestown | $186 | Travelers | $135 |
| Charlottesville | $169 | Travelers | $125 |
| Chesterfield | $168 | Progressive | $117 |
| Chesterton | $185 | Travelers | $135 |
| Chrisney | $183 | Travelers | $128 |
| Churubusco | $165 | Progressive | $124 |
| Cicero | $171 | Travelers | $122 |
| Clarks Hill | $170 | Travelers | $117 |
| Clarksburg | $177 | Progressive | $120 |
| Clarksville | $185 | Travelers | $130 |
| Clay City | $186 | Travelers | $129 |
| Claypool | $169 | Travelers | $127 |
| Clayton | $172 | Travelers | $121 |
| Clear Lake | $172 | Travelers | $114 |
| Clermont | $197 | Travelers | $131 |
| Clifford | $167 | Travelers | $121 |
| Clinton | $179 | Travelers | $128 |
| Coal City | $191 | Travelers | $131 |
| Coalmont | $192 | Progressive | $146 |
| Coatesville | $181 | Travelers | $129 |
| Colfax | $163 | Travelers | $114 |
| Columbia City | $167 | Travelers | $123 |
| Columbus | $167 | Travelers | $120 |
| Commiskey | $183 | Travelers | $129 |
| Connersville | $165 | Travelers | $120 |
| Converse | $166 | Progressive | $124 |
| Cordry Sweetwater Lakes | $188 | Travelers | $134 |
| Cortland | $185 | Progressive | $123 |
| Corunna | $170 | Travelers | $119 |
| Cory | $185 | Travelers | $129 |
| Corydon | $198 | Travelers | $135 |
| Country Club Heights | $171 | Progressive | $113 |
| Country Squire Lakes | $183 | Travelers | $127 |
| Covington | $176 | Travelers | $122 |
| Craigville | $163 | Travelers | $108 |
| Crandall | $198 | Travelers | $137 |
| Crane | $184 | Travelers | $128 |
| Crane Naval Depot | $184 | Travelers | $128 |
| Crawfordsville | $167 | Travelers | $118 |
| Cromwell | $170 | Progressive | $127 |
| Cross Plains | $187 | Travelers | $130 |
| Crothersville | $175 | Travelers | $117 |
| Crown Point | $197 | Progressive | $136 |
| Culver | $177 | Travelers | $120 |
| Cumberland | $207 | Auto-Owners | $142 |
| Cutler | $171 | Travelers | $122 |
| Cynthiana | $187 | Travelers | $139 |
| Dale | $174 | Travelers | $118 |
| Daleville | $166 | Progressive | $116 |
| Dana | $180 | Travelers | $121 |
| Danville | $171 | Travelers | $123 |
| Darlington | $166 | Travelers | $117 |
| Dayton | $166 | Travelers | $114 |
| De Motte | $188 | Travelers | $136 |
| Decatur | $161 | Travelers | $107 |
| Decker | $176 | Travelers | $125 |
| Deedsville | $176 | Travelers | $121 |
| Delong | $184 | Progressive | $127 |
| Delphi | $175 | Travelers | $123 |
| Denver | $169 | Travelers | $115 |
| Depauw | $199 | Travelers | $137 |
| Deputy | $183 | Travelers | $129 |
| Derby | $179 | Progressive | $127 |
| Dillsboro | $188 | Travelers | $133 |
| Donaldson | $173 | Travelers | $121 |
| Dublin | $173 | Progressive | $113 |
| Dubois | $167 | Travelers | $118 |
| Dugger | $183 | Travelers | $131 |
| Dunkirk | $166 | Progressive | $115 |
| Dunlap | $167 | Progressive | $122 |
| Dunreith | $168 | Progressive | $115 |
| Dupont | $189 | Travelers | $133 |
| Dyer | $197 | Travelers | $140 |
| Earl Park | $171 | Travelers | $118 |
| East Chicago | $250 | Travelers | $154 |
| East Enterprise | $188 | Travelers | $127 |
| Eaton | $167 | Progressive | $117 |
| Eckerty | $187 | Travelers | $131 |
| Economy | $161 | Progressive | $114 |
| Edgewood | $170 | Progressive | $113 |
| Edinburgh | $175 | Travelers | $122 |
| Edwardsport | $180 | Travelers | $128 |
| Elberfeld | $180 | Travelers | $130 |
| Elizabeth | $192 | Travelers | $134 |
| Elizabethtown | $168 | Travelers | $121 |
| Elkhart | $167 | Progressive | $122 |
| Ellettsville | $178 | Progressive | $131 |
| Elnora | $185 | Travelers | $126 |
| Elwood | $166 | Progressive | $111 |
| Eminence | $178 | Travelers | $127 |
| English | $186 | Travelers | $134 |
| Etna Green | $170 | Travelers | $123 |
| Evanston | $174 | Travelers | $120 |
| Evansville | $187 | Progressive | $131 |
| Fair Oaks | $186 | Travelers | $130 |
| Fairland | $179 | Travelers | $130 |
| Fairmount | $164 | Progressive | $114 |
| Fairview Park | $179 | Travelers | $128 |
| Falmouth | $170 | Travelers | $127 |
| Farmersburg | $184 | Travelers | $128 |
| Farmland | $165 | Progressive | $117 |
| Fillmore | $180 | Travelers | $129 |
| Finly | $176 | Progressive | $132 |
| Fish Lake | $180 | Travelers | $123 |
| Fishers | $172 | Progressive | $127 |
| Flat Rock | $166 | Travelers | $115 |
| Flora | $172 | Travelers | $122 |
| Florence | $193 | Travelers | $131 |
| Floyds Knobs | $187 | Travelers | $134 |
| Fontanet | $185 | Progressive | $137 |
| Fort Branch | $181 | Travelers | $134 |
| Fort Wayne | $180 | Progressive | $129 |
| Fortville | $178 | Progressive | $134 |
| Fountain City | $163 | Travelers | $113 |
| Fountaintown | $180 | Travelers | $130 |
| Fowler | $173 | Travelers | $119 |
| Fowlerton | $171 | Travelers | $119 |
| Francesville | $182 | Travelers | $121 |
| Francisco | $177 | Travelers | $136 |
| Frankfort | $161 | Travelers | $115 |
| Franklin | $177 | Travelers | $127 |
| Frankton | $165 | Progressive | $112 |
| Fredericksburg | $200 | Travelers | $141 |
| Freedom | $184 | Travelers | $132 |
| Freelandville | $182 | Travelers | $123 |
| Freetown | $184 | Travelers | $118 |
| Fremont | $172 | Travelers | $114 |
| French Lick | $185 | Travelers | $130 |
| Friendship | $182 | Travelers | $127 |
| Fulda | $180 | Travelers | $124 |
| Fulton | $175 | Travelers | $121 |
| Galveston | $169 | Travelers | $121 |
| Garrett | $168 | Travelers | $119 |
| Gary | $259 | Travelers | $146 |
| Gas City | $169 | Progressive | $113 |
| Gaston | $161 | Progressive | $115 |
| Geneva | $160 | Travelers | $109 |
| Gentryville | $177 | Travelers | $123 |
| Georgetown | $191 | Travelers | $138 |
| Glenwood | $166 | Progressive | $119 |
| Goldsmith | $167 | Progressive | $108 |
| Goodland | $175 | Travelers | $117 |
| Goshen | $166 | Progressive | $120 |
| Gosport | $185 | Travelers | $133 |
| Grabill | $168 | Travelers | $125 |
| Grammer | $170 | Travelers | $121 |
| Grandview | $181 | Travelers | $125 |
| Granger | $168 | Progressive | $122 |
| Grantsburg | $189 | Travelers | $133 |
| Grass Creek | $183 | Progressive | $137 |
| Graysville | $184 | Progressive | $143 |
| Greencastle | $180 | Travelers | $127 |
| Greendale | $185 | Travelers | $132 |
| Greenfield | $176 | Travelers | $129 |
| Greens Fork | $166 | Travelers | $119 |
| Greensburg | $165 | Travelers | $118 |
| Greentown | $168 | Progressive | $121 |
| Greenwood | $181 | Progressive | $132 |
| Griffin | $184 | Travelers | $129 |
| Griffith | $203 | Travelers | $145 |
| Grissom Air Force Base | $167 | Travelers | $114 |
| Grovertown | $184 | Travelers | $121 |
| Guilford | $185 | Travelers | $128 |
| Gwynneville | $171 | Travelers | $127 |
| Hagerstown | $164 | Progressive | $113 |
| Hamilton | $168 | Travelers | $117 |
| Hamlet | $185 | Travelers | $124 |
| Hammond | $238 | Travelers | $153 |
| Hanna | $188 | Travelers | $129 |
| Hanover | $182 | Travelers | $133 |
| Hardinsburg | $199 | Travelers | $136 |
| Harlan | $169 | Travelers | $129 |
| Harrodsburg | $173 | Travelers | $120 |
| Hartford City | $166 | Progressive | $114 |
| Hartsville | $165 | Travelers | $120 |
| Hatfield | $187 | Progressive | $141 |
| Haubstadt | $183 | Travelers | $137 |
| Hayden | $182 | Travelers | $127 |
| Hazleton | $180 | Travelers | $131 |
| Hebron | $189 | Progressive | $145 |
| Helmsburg | $183 | Progressive | $139 |
| Heltonville | $184 | Travelers | $128 |
| Hemlock | $174 | Progressive | $122 |
| Henryville | $191 | Travelers | $128 |
| Heritage Lake | $181 | Travelers | $129 |
| Hidden Valley | $185 | Travelers | $132 |
| Highland | $194 | Progressive | $135 |
| Hillsboro | $180 | Travelers | $128 |
| Hillsdale | $188 | Travelers | $129 |
| Hoagland | $171 | Travelers | $123 |
| Hobart | $206 | Progressive | $144 |
| Hobbs | $171 | Progressive | $108 |
| Holland | $166 | Travelers | $122 |
| Holton | $178 | Travelers | $123 |
| Homecroft | $209 | Travelers | $144 |
| Homer | $171 | Progressive | $127 |
| Hope | $164 | Travelers | $122 |
| Howe | $171 | Progressive | $131 |
| Hudson | $168 | Travelers | $124 |
| Hudson Lake | $181 | Travelers | $124 |
| Huntertown | $171 | Progressive | $124 |
| Huntingburg | $165 | Travelers | $120 |
| Huntington | $163 | Travelers | $113 |
| Huron | $190 | Progressive | $141 |
| Hymera | $179 | Travelers | $130 |
| Idaville | $178 | Travelers | $120 |
| Indian Heights | $167 | Progressive | $122 |
| Indianapolis | $208 | Progressive | $142 |
| Ingalls | $180 | Progressive | $124 |
| Inglefield | $189 | Progressive | $130 |
| Ireland | $170 | Travelers | $117 |
| Jamestown | $172 | Progressive | $119 |
| Jasonville | $185 | Travelers | $129 |
| Jasper | $164 | Travelers | $117 |
| Jeffersonville | $189 | Travelers | $131 |
| Jonesboro | $170 | Progressive | $113 |
| Jonesville | $168 | Travelers | $121 |
| Kempton | $163 | Progressive | $116 |
| Kendallville | $165 | Travelers | $119 |
| Kennard | $168 | Travelers | $125 |
| Kentland | $170 | Travelers | $117 |
| Kewanna | $179 | Travelers | $122 |
| Keystone | $165 | Progressive | $121 |
| Kimmell | $172 | Progressive | $129 |
| Kingman | $183 | Travelers | $127 |
| Kingsbury | $184 | Travelers | $129 |
| Kingsford Heights | $182 | Travelers | $128 |
| Knightstown | $167 | Progressive | $121 |
| Knightsville | $186 | Travelers | $127 |
| Knox | $189 | Travelers | $126 |
| Kokomo | $167 | Progressive | $123 |
| Koleen | $194 | Auto-Owners | $164 |
| Koontz Lake | $179 | Travelers | $123 |
| Kouts | $185 | Progressive | $135 |
| Kurtz | $187 | Progressive | $129 |
| La Crosse | $187 | Progressive | $126 |
| La Fontaine | $165 | Progressive | $122 |
| La Paz | $172 | Travelers | $121 |
| La Porte | $184 | Travelers | $129 |
| Laconia | $195 | Travelers | $133 |
| Ladoga | $169 | Travelers | $117 |
| Lafayette | $162 | Travelers | $115 |
| Lagrange | $171 | Progressive | $131 |
| Lake Cicott | $174 | Progressive | $128 |
| Lake Dalecarlia | $189 | Progressive | $133 |
| Lake Santee | $166 | Travelers | $118 |
| Lake Station | $223 | Progressive | $143 |
| Lake Village | $189 | Travelers | $138 |
| Lakes of the Four Seasons | $197 | Progressive | $136 |
| Laketon | $167 | Travelers | $121 |
| Lakeville | $175 | Travelers | $125 |
| Lamar | $176 | Travelers | $123 |
| Landess | $171 | Progressive | $119 |
| Lanesville | $193 | Progressive | $146 |
| Laotto | $167 | Progressive | $125 |
| Lapel | $169 | Progressive | $119 |
| Larwill | $167 | Travelers | $123 |
| Lawrence | $213 | Auto-Owners | $143 |
| Lawrenceburg | $185 | Travelers | $132 |
| Leavenworth | $191 | Travelers | $131 |
| Lebanon | $165 | Progressive | $115 |
| Leesburg | $167 | Progressive | $124 |
| Leiters Ford | $183 | Progressive | $127 |
| Leo | $168 | Progressive | $126 |
| Leo-Cedarville | $167 | Progressive | $126 |
| Leopold | $182 | Travelers | $123 |
| Leroy | $193 | Progressive | $136 |
| Lewis | $189 | Travelers | $128 |
| Lewisville | $164 | Progressive | $113 |
| Liberty | $164 | Progressive | $121 |
| Liberty Center | $166 | Travelers | $122 |
| Liberty Mills | $167 | Progressive | $124 |
| Ligonier | $169 | Progressive | $125 |
| Lincoln City | $175 | Travelers | $125 |
| Linden | $167 | Travelers | $119 |
| Linn Grove | $169 | Progressive | $119 |
| Linton | $188 | Travelers | $130 |
| Lizton | $168 | Travelers | $123 |
| Logansport | $168 | Travelers | $124 |
| Long Beach | $185 | Travelers | $133 |
| Loogootee | $176 | Travelers | $130 |
| Losantville | $164 | Progressive | $121 |
| Lowell | $188 | Progressive | $133 |
| Lucerne | $175 | Travelers | $116 |
| Lynn | $161 | Travelers | $115 |
| Lynnville | $174 | Travelers | $130 |
| Lyons | $188 | Travelers | $129 |
| Mackey | $182 | Travelers | $132 |
| Macy | $176 | Travelers | $126 |
| Madison | $183 | Travelers | $135 |
| Manilla | $161 | Travelers | $109 |
| Marengo | $192 | Travelers | $133 |
| Mariah Hill | $185 | Progressive | $135 |
| Marion | $170 | Progressive | $116 |
| Markle | $165 | Travelers | $114 |
| Markleville | $174 | Travelers | $124 |
| Marshall | $182 | Travelers | $130 |
| Martinsville | $184 | Progressive | $136 |
| Marysville | $191 | Travelers | $135 |
| Matthews | $169 | Progressive | $117 |
| Mauckport | $198 | Travelers | $133 |
| Maxwell | $180 | Progressive | $130 |
| Mays | $171 | Progressive | $125 |
| McCordsville | $180 | Progressive | $133 |
| Mecca | $182 | Travelers | $129 |
| Medaryville | $189 | Travelers | $127 |
| Medora | $185 | Travelers | $123 |
| Mellott | $173 | Travelers | $117 |
| Melody Hill | $189 | Progressive | $133 |
| Memphis | $189 | Travelers | $129 |
| Mentone | $168 | Travelers | $128 |
| Meridian Hills | $196 | Progressive | $131 |
| Merom | $189 | Travelers | $128 |
| Merrillville | $210 | Travelers | $142 |
| Metamora | $173 | Travelers | $126 |
| Mexico | $168 | Travelers | $107 |
| Miami | $167 | Travelers | $122 |
| Michiana Shores | $185 | Travelers | $133 |
| Michigan City | $185 | Travelers | $133 |
| Michigantown | $166 | Travelers | $116 |
| Middlebury | $168 | Progressive | $127 |
| Middletown | $168 | Progressive | $121 |
| Midland | $186 | Travelers | $130 |
| Milan | $184 | Travelers | $130 |
| Milford | $164 | Progressive | $125 |
| Mill Creek | $183 | Progressive | $126 |
| Millersburg | $168 | Progressive | $125 |
| Millhousen | $188 | Farm Bureau | $144 |
| Milltown | $191 | Travelers | $135 |
| Milroy | $167 | Travelers | $116 |
| Milton | $164 | Progressive | $118 |
| Mishawaka | $169 | Travelers | $123 |
| Mitchell | $186 | Travelers | $125 |
| Modoc | $162 | Progressive | $117 |
| Mongo | $177 | Progressive | $131 |
| Monon | $178 | Travelers | $119 |
| Monroe | $160 | Travelers | $106 |
| Monroe City | $176 | Travelers | $127 |
| Monroeville | $166 | Travelers | $121 |
| Monrovia | $180 | Travelers | $132 |
| Monterey | $181 | Travelers | $123 |
| Montezuma | $186 | Travelers | $127 |
| Montgomery | $180 | Progressive | $130 |
| Monticello | $172 | Travelers | $117 |
| Montmorenci | $164 | Travelers | $118 |
| Montpelier | $166 | Travelers | $115 |
| Mooreland | $164 | Travelers | $118 |
| Moores Hill | $186 | Travelers | $127 |
| Mooresville | $179 | Travelers | $119 |
| Morgantown | $187 | Progressive | $139 |
| Morocco | $184 | Travelers | $127 |
| Morris | $184 | Progressive | $135 |
| Morristown | $171 | Travelers | $125 |
| Mount Auburn | $160 | Progressive | $113 |
| Mount Ayr | $174 | Travelers | $121 |
| Mount St. Francis | $188 | Auto-Owners | $145 |
| Mount Summit | $167 | Progressive | $112 |
| Mount Vernon | $184 | Travelers | $135 |
| Mulberry | $163 | Travelers | $114 |
| Muncie | $164 | Progressive | $118 |
| Munster | $204 | Travelers | $143 |
| Muscatatuck | $183 | Travelers | $126 |
| Nabb | $196 | Travelers | $134 |
| Napoleon | $180 | Travelers | $124 |
| Nappanee | $165 | Progressive | $118 |
| Nashville | $190 | Travelers | $136 |
| Nebraska | $183 | Travelers | $126 |
| Needham | $171 | Travelers | $125 |
| New Albany | $186 | Travelers | $140 |
| New Carlisle | $178 | Travelers | $124 |
| New Castle | $164 | Progressive | $112 |
| New Chicago | $201 | Progressive | $135 |
| New Goshen | $183 | Progressive | $127 |
| New Harmony | $184 | Travelers | $126 |
| New Haven | $173 | Progressive | $129 |
| New Lisbon | $175 | Progressive | $117 |
| New Market | $175 | Travelers | $118 |
| New Middletown | $197 | Travelers | $135 |
| New Palestine | $186 | Travelers | $135 |
| New Paris | $166 | Progressive | $120 |
| New Point | $170 | Travelers | $118 |
| New Richmond | $169 | Travelers | $120 |
| New Ross | $165 | Travelers | $117 |
| New Salisbury | $195 | Travelers | $138 |
| New Trenton | $177 | Travelers | $127 |
| New Washington | $193 | Travelers | $136 |
| New Waverly | $167 | Travelers | $121 |
| New Whiteland | $174 | Progressive | $121 |
| Newberry | $188 | Travelers | $129 |
| Newburgh | $183 | Travelers | $132 |
| Newport | $179 | Travelers | $129 |
| Newtown | $176 | Travelers | $126 |
| Noblesville | $171 | Progressive | $120 |
| Nora | $177 | Progressive | $129 |
| Norman | $185 | Travelers | $127 |
| North Judson | $192 | Travelers | $127 |
| North Liberty | $175 | Travelers | $125 |
| North Manchester | $167 | Progressive | $124 |
| North Salem | $174 | Travelers | $125 |
| North Terre Haute | $186 | Travelers | $129 |
| North Vernon | $183 | Travelers | $127 |
| North Webster | $169 | Progressive | $128 |
| Norway | $172 | Travelers | $117 |
| Notre Dame | $174 | Progressive | $124 |
| Oakford | $174 | Progressive | $122 |
| Oakland City | $176 | Travelers | $133 |
| Oaktown | $184 | Travelers | $123 |
| Oakville | $176 | Progressive | $126 |
| Odon | $177 | Travelers | $126 |
| Ogden Dunes | $192 | Progressive | $137 |
| Oldenburg | $172 | Travelers | $122 |
| Onward | $180 | Auto-Owners | $139 |
| Oolitic | $184 | Travelers | $128 |
| Ora | $186 | Travelers | $121 |
| Orestes | $166 | Progressive | $105 |
| Orland | $169 | Travelers | $113 |
| Orleans | $186 | Travelers | $128 |
| Osceola | $172 | Progressive | $118 |
| Osgood | $175 | Travelers | $124 |
| Ossian | $162 | Travelers | $118 |
| Otisco | $192 | Travelers | $135 |
| Otterbein | $170 | Travelers | $118 |
| Otwell | $172 | Travelers | $119 |
| Owensburg | $188 | Travelers | $129 |
| Owensville | $183 | Travelers | $127 |
| Oxford | $175 | Travelers | $121 |
| Palmyra | $196 | Travelers | $140 |
| Paoli | $188 | Travelers | $131 |
| Paragon | $191 | Progressive | $137 |
| Paris Crossing | $179 | Travelers | $113 |
| Parker City | $164 | Progressive | $117 |
| Patoka | $176 | Travelers | $126 |
| Patricksburg | $182 | Travelers | $131 |
| Patriot | $187 | Travelers | $126 |
| Paxton | $185 | Travelers | $134 |
| Pekin | $197 | Travelers | $141 |
| Pendleton | $174 | Progressive | $124 |
| Pennville | $164 | Travelers | $112 |
| Perrysville | $182 | Travelers | $127 |
| Peru | $168 | Travelers | $112 |
| Petersburg | $176 | Progressive | $133 |
| Petroleum | $170 | Progressive | $121 |
| Pierceton | $168 | Progressive | $126 |
| Pierceville | $187 | Farm Bureau | $144 |
| Pimento | $189 | Travelers | $127 |
| Pine Village | $172 | Travelers | $123 |
| Pittsboro | $170 | Travelers | $123 |
| Plainfield | $182 | Travelers | $126 |
| Plainville | $184 | Travelers | $130 |
| Pleasant Lake | $171 | Travelers | $118 |
| Pleasant Mills | $173 | Progressive | $114 |
| Plymouth | $166 | Travelers | $120 |
| Point Isabel | $165 | Progressive | $114 |
| Poland | $186 | Travelers | $134 |
| Poneto | $163 | Travelers | $115 |
| Portage | $191 | Progressive | $138 |
| Porter | $185 | Travelers | $135 |
| Portland | $162 | Travelers | $110 |
| Poseyville | $187 | Travelers | $137 |
| Princes Lakes | $185 | Travelers | $134 |
| Princeton | $181 | Travelers | $136 |
| Purdue University | $161 | Travelers | $118 |
| Putnamville | $176 | Travelers | $127 |
| Quincy | $187 | Travelers | $131 |
| Ragsdale | $175 | Travelers | $124 |
| Ramsey | $198 | Travelers | $138 |
| Redkey | $165 | Travelers | $117 |
| Reelsville | $178 | Travelers | $128 |
| Remington | $172 | Travelers | $118 |
| Rensselaer | $180 | Travelers | $117 |
| Reynolds | $178 | Travelers | $117 |
| Richland | $184 | Travelers | $126 |
| Richmond | $160 | Travelers | $117 |
| Ridgeville | $162 | Progressive | $112 |
| Rising Sun | $186 | Travelers | $118 |
| Roachdale | $178 | Travelers | $124 |
| Roann | $168 | Travelers | $121 |
| Roanoke | $170 | Travelers | $124 |
| Rochester | $171 | Travelers | $123 |
| Rockfield | $181 | Progressive | $128 |
| Rockport | $183 | Travelers | $125 |
| Rockville | $184 | Travelers | $128 |
| Rocky Ripple | $222 | Auto-Owners | $149 |
| Rolling Prairie | $186 | Travelers | $129 |
| Rome | $177 | Travelers | $120 |
| Rome City | $169 | Travelers | $126 |
| Romney | $165 | Travelers | $117 |
| Rosedale | $184 | Travelers | $128 |
| Roseland | $177 | Travelers | $122 |
| Roselawn | $187 | Travelers | $136 |
| Rossville | $169 | Progressive | $118 |
| Royal Center | $177 | Travelers | $117 |
| Rushville | $163 | Travelers | $115 |
| Russellville | $179 | Travelers | $125 |
| Russiaville | $174 | Travelers | $128 |
| Salamonia | $163 | Travelers | $111 |
| Salem | $197 | Travelers | $135 |
| Salt Creek Commons | $188 | Progressive | $139 |
| San Pierre | $189 | Progressive | $127 |
| Sandborn | $185 | Travelers | $126 |
| Santa Claus | $173 | Travelers | $125 |
| Saratoga | $160 | Travelers | $112 |
| Schererville | $198 | Travelers | $140 |
| Schneider | $188 | Progressive | $134 |
| Schnellville | $167 | Travelers | $114 |
| Scipio | $178 | Travelers | $117 |
| Scotland | $191 | Progressive | $139 |
| Scottsburg | $194 | Travelers | $129 |
| Sedalia | $176 | Progressive | $116 |
| Seelyville | $185 | Progressive | $130 |
| Sellersburg | $184 | Travelers | $129 |
| Selma | $164 | Travelers | $122 |
| Servia | $173 | Progressive | $124 |
| Seymour | $177 | Travelers | $108 |
| Shadeland | $163 | Travelers | $115 |
| Sharpsville | $170 | Travelers | $122 |
| Shelburn | $183 | Travelers | $130 |
| Shelbyville | $168 | Travelers | $116 |
| Shepardsville | $189 | Progressive | $127 |
| Sheridan | $165 | Travelers | $117 |
| Shipshewana | $169 | Progressive | $129 |
| Shirley | $168 | Progressive | $120 |
| Shoals | $184 | Travelers | $127 |
| Shorewood Forest | $188 | Progressive | $139 |
| Silver Lake | $169 | Progressive | $125 |
| Simonton Lake | $166 | Progressive | $121 |
| Smithville | $186 | Progressive | $125 |
| Smithville-Sanders | $177 | Travelers | $124 |
| Solsberry | $183 | Travelers | $126 |
| Somerset | $172 | Progressive | $122 |
| Somerville | $182 | Travelers | $132 |
| South Bend | $182 | Travelers | $129 |
| South Haven | $191 | Progressive | $139 |
| South Milford | $182 | Progressive | $132 |
| South Whitley | $166 | Travelers | $124 |
| Southport | $208 | Travelers | $144 |
| Speedway | $209 | Travelers | $135 |
| Spencer | $184 | Travelers | $132 |
| Spencerville | $168 | Travelers | $127 |
| Spiceland | $160 | Progressive | $115 |
| Springport | $165 | Travelers | $121 |
| Springville | $185 | Travelers | $121 |
| Spurgeon | $173 | Travelers | $124 |
| St. Anthony | $167 | Travelers | $118 |
| St. Bernice | $179 | Travelers | $128 |
| St. Croix | $182 | Travelers | $129 |
| St. Joe | $168 | Travelers | $126 |
| St. John | $196 | Travelers | $140 |
| St. Mary of the Woods | $189 | Progressive | $127 |
| St. Meinrad | $173 | Travelers | $120 |
| St. Paul | $167 | Travelers | $115 |
| Stanford | $183 | Progressive | $124 |
| Star City | $175 | Travelers | $126 |
| State Line | $174 | Travelers | $128 |
| Staunton | $185 | Travelers | $127 |
| Stendal | $176 | Travelers | $128 |
| Stilesville | $181 | Travelers | $127 |
| Stinesville | $180 | Progressive | $127 |
| Stockwell | $163 | Travelers | $115 |
| Straughn | $160 | Travelers | $115 |
| Stroh | $177 | Progressive | $133 |
| Sullivan | $188 | Travelers | $133 |
| Sulphur | $184 | Travelers | $135 |
| Sulphur Springs | $172 | Progressive | $121 |
| Sumava Resorts | $178 | Travelers | $142 |
| Summitville | $165 | Travelers | $114 |
| Sunman | $184 | Travelers | $133 |
| Swayzee | $168 | Progressive | $121 |
| Sweetser | $167 | Progressive | $115 |
| Switz City | $187 | Travelers | $129 |
| Syracuse | $165 | Progressive | $121 |
| Talbot | $187 | Auto-Owners | $138 |
| Taswell | $188 | Travelers | $133 |
| Taylorsville | $169 | Travelers | $122 |
| Tefft | $182 | Progressive | $130 |
| Tell City | $174 | Travelers | $119 |
| Templeton | $175 | Travelers | $118 |
| Tennyson | $176 | Travelers | $128 |
| Terre Haute | $186 | Progressive | $132 |
| Thayer | $178 | Travelers | $142 |
| Thorntown | $168 | Travelers | $117 |
| Tipton | $159 | Progressive | $108 |
| Topeka | $169 | Progressive | $125 |
| Town of Pines | $186 | Travelers | $133 |
| Trafalgar | $182 | Travelers | $133 |
| Trail Creek | $185 | Travelers | $133 |
| Tri-Lakes | $166 | Travelers | $123 |
| Troy | $178 | Travelers | $119 |
| Tunnelton | $183 | Travelers | $129 |
| Twelve Mile | $170 | Travelers | $111 |
| Tyner | $178 | Progressive | $132 |
| Underwood | $194 | Travelers | $127 |
| Union City | $161 | Travelers | $115 |
| Union Mills | $186 | Travelers | $130 |
| Uniondale | $164 | Travelers | $116 |
| Unionville | $183 | Progressive | $133 |
| Universal | $180 | Travelers | $129 |
| Upland | $169 | Progressive | $116 |
| Urbana | $169 | Travelers | $119 |
| Utica | $189 | Travelers | $129 |
| Vallonia | $187 | Travelers | $116 |
| Valparaiso | $185 | Progressive | $136 |
| Van Buren | $171 | Progressive | $119 |
| Veedersburg | $180 | Travelers | $127 |
| Velpen | $175 | Travelers | $117 |
| Versailles | $183 | Travelers | $125 |
| Vevay | $189 | Travelers | $135 |
| Vincennes | $179 | Travelers | $123 |
| Wabash | $164 | Travelers | $116 |
| Wadesville | $187 | Travelers | $137 |
| Wakarusa | $166 | Progressive | $122 |
| Waldron | $162 | Travelers | $113 |
| Walkerton | $176 | Travelers | $123 |
| Wallace | $183 | Progressive | $139 |
| Walton | $167 | Travelers | $112 |
| Wanatah | $188 | Progressive | $135 |
| Warren | $165 | Travelers | $114 |
| Warren Park | $212 | Travelers | $145 |
| Warsaw | $168 | Progressive | $125 |
| Washington | $179 | Travelers | $131 |
| Waterloo | $170 | Travelers | $120 |
| Waveland | $173 | Travelers | $116 |
| Wawaka | $168 | Progressive | $126 |
| Waynetown | $170 | Travelers | $118 |
| Webster | $162 | Travelers | $115 |
| West Baden Springs | $186 | Travelers | $128 |
| West College Corner | $171 | Progressive | $129 |
| West Harrison | $180 | Travelers | $131 |
| West Lafayette | $163 | Travelers | $117 |
| West Lebanon | $173 | Travelers | $122 |
| West Middleton | $176 | Progressive | $135 |
| West Newton | $201 | Auto-Owners | $146 |
| West Terre Haute | $189 | Progressive | $127 |
| Westfield | $169 | Progressive | $122 |
| Westphalia | $181 | Travelers | $126 |
| Westpoint | $165 | Travelers | $117 |
| Westport | $171 | Travelers | $125 |
| Westville | $186 | Progressive | $135 |
| Wheatfield | $186 | Progressive | $130 |
| Wheatland | $181 | Travelers | $126 |
| Wheeler | $185 | Progressive | $135 |
| Whiteland | $174 | Progressive | $121 |
| Whitestown | $167 | Progressive | $121 |
| Whiting | $235 | Travelers | $163 |
| Wilkinson | $167 | Travelers | $125 |
| Williams | $187 | Travelers | $128 |
| Williams Creek | $195 | Progressive | $131 |
| Williamsburg | $161 | Travelers | $113 |
| Williamsport | $174 | Travelers | $123 |
| Winamac | $178 | Travelers | $123 |
| Winchester | $160 | Progressive | $114 |
| Windfall | $165 | Travelers | $109 |
| Winfield | $198 | Progressive | $136 |
| Wingate | $172 | Travelers | $118 |
| Winona Lake | $165 | Progressive | $124 |
| Winslow | $176 | Travelers | $135 |
| Wolcott | $174 | Travelers | $116 |
| Wolcottville | $171 | Travelers | $130 |
| Wolflake | $175 | Progressive | $129 |
| Woodburn | $165 | Travelers | $121 |
| Worthington | $183 | Travelers | $129 |
| Wyatt | $176 | Progressive | $121 |
| Yeoman | $177 | Travelers | $117 |
| Yoder | $170 | Progressive | $124 |
| Yorktown | $164 | Progressive | $116 |
| Young America | $167 | Travelers | $121 |
| Zanesville | $174 | Travelers | $122 |
| Zionsville | $175 | Progressive | $127 |
Depending on where you live in Indiana, average full coverage car insurance rates can vary by as much as $100 per month.
Insurance is typically more expensive in places where accidents and auto theft are more common, especially in large cities. That's because people living in these areas are more likely to file a claim, which makes them more expensive to insure.
Car insurance rate hikes in Indiana and what you can do about it
Car insurance rates have gone up by around 29% in Indiana over the last five years, which is less than the national average.
If you have a full coverage policy, that's an average increase of around $444 per year. That can still feel like a lot, even if it's less than average.
The bulk of these increases came in 2023 and 2024, when car insurance rates went up by 11% and 15%, respectively. But things are looking up for Indiana drivers, as rates are expected to go down in 2026 for the first time in five years.
Indiana car insurance rate trends
Year | Rate change |
|---|---|
| 2022 | 1.59% |
| 2023 | 11.44% |
| 2024 | 15.13% |
| 2025 | 4.91% |
| 2026 | -0.44% |
Car insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
Farmers had the largest rate increases during this time period, at over 71%. On the other hand, Progressive actually lowered rates in Indiana by 1% between 2022 and 2026.
If your car insurance rates went up, there are a few things you can do to lower your insurance bill:
-
Compare quotes from the cheapest companies in Indiana, including Travelers, Auto-Owners and Progressive.
The most expensive company for full coverage in Indiana, Farmers, costs twice as much as the cheapest company, Travelers. So you could save more than $1,500 per year just by switching insurance companies.
-
Look for a company that offers lots of discounts you qualify for. Most companies offer discounts for bundling policies or signing up for automatic payments.
But you could get a discount with some companies for belonging to certain alumni or professional associations, driving a brand-new car or driving fewer miles. So it's worth searching for a company that has discounts tailored to you.
-
Try a safe driving program. Many companies offer a discount if you let them track your driving habits using a mobile app or device that plugs into your car. If you practice safe driving habits, these discounts could really add up, with some companies offering up to 40% off your car insurance bill.
Just be careful about which program you sign up for, as some companies, like Progressive and Geico, will actually raise your rates if you have bad driving habits.
Factors that affect car insurance rates in Indiana
Minimum car insurance requirements in Indiana
Indiana requires drivers to have a minimum amount of liability coverage to drive legally, sometimes written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
What's the best car insurance coverage for Indiana drivers?
Full coverage is the best choice for most people in Indiana.
That's because full coverage includes comprehensive and collision coverage, along with liability insurance.
- Collision coverage pays for damage to your car after an accident, regardless of whose fault it is.
- Comprehensive coverage pays for other types of damage to your car, including theft or storm damage.
Lenders typically require you to have full coverage car insurance if you have a car loan or lease. And it's a good idea for cars that are less than 8 years old or worth more than $5,000.
Minimum liability is the cheapest kind of auto insurance because it includes only coverage legally required by the state. In Indiana, minimum coverage insurance pays for injuries to others or damage to their property if you cause a crash.
But a minimum coverage policy won't pay for damage to your car. And the liability limits may not be high enough to cover the cost of an expensive wreck. For example, if you crash into a brand-new pickup truck on the highway, $25,000 may not be enough to fully cover the cost to fix or replace it.
Common insurance questions in Indiana
Is hitting a deer covered by car insurance in Indiana?
Hitting a deer is covered by car insurance if you have comprehensive coverage. This optional add-on is typically part of a full coverage policy, which is usually required if you have a car loan or lease.
There are more than 14,000 car accidents per year involving deer in Indiana, according to the Indiana DNR. So, it's a good idea to add comprehensive coverage to your policy, even if it's not required.
Does car insurance cover storm damage in Indiana?
Your car insurance will typically cover storm damage if you have comprehensive coverage. This coverage protects against damage caused by "acts of God," such as hail, tornadoes, floodwater or a falling tree branch.
Comprehensive coverage is especially important in Indiana, where severe storms and tornadoes can cause serious damage to your car.
Do college students need their own car insurance in Indiana?
College students can sometimes stay on their parents' policy. If you're attending a school like IU or Purdue but keep your car at home, you can usually stay on a parent’s policy and maybe even get an extra discount on your insurance. But if you have your car in Indiana full time, you may need an Indiana insurance policy. It's best to check with your insurance company to make sure you're properly covered before moving out of state for school.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Indiana from the state's largest insurance companies. Rates are for a 30-year-old man with good credit and a 2018 Honda Civic EX.
Full coverage quotes include higher liability limits than required in Indiana, plus comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
