Cheap Full Coverage Auto Insurance Indiana - To help drivers find the best cheap auto insurance in Indiana, our editorial team has collected quotes from the best auto insurance companies in every zip code in the state. Minimum coverage offers Indiana minimum liability coverage of $25,000 for bodily injury and $50,000 for each accident and $25,000 for property damage, plus $50,000 per accident for bodily injury to an uninsured motorist. Full Coverage price includes comprehensive and collision protection, as well as liability limits above state minimums.
We've also identified the best auto insurance companies in Indiana based on reviews of insurance costs, convenience, availability of coverage and customer service for different drivers.
Cheap Full Coverage Auto Insurance Indiana
Auto-Owners is the cheapest auto insurance company with the lowest liability rates. A minimum policy is a policy that meets only state requirements and is the cheapest type of insurance.
Cheapest Full Coverage Auto Insurance
Drivers who qualify for USAA coverage can get cheaper rates, but membership is only open to military members and their families.
For affordable comprehensive coverage in Indiana, we recommend State Farm for most drivers. State Farm's citations average $906 per year, $163 less than car owners.
Comprehensive coverage in Indiana costs an average of $1,345 a year, or $112 a month, but drivers can find cheaper rates by comparing car insurance companies.
Comprehensive insurance is required if you have a car loan or lease and is recommended if you have a new or more expensive car. Comprehensive car insurance policies include liability coverage as well as comprehensive and collision coverage. Collision insurance pays for damages to your personal vehicle after an accident in which you were at fault and covers non-collision damage to the vehicle, such as car theft or storm damage.
How Much Does Car Insurance Cost On Average?
State Farm offers the cheapest rates for most Indiana drivers with no clean driving record. State Farm policies are 23% to 46% cheaper than the average price for drivers with a ticket, accident or DUI. However, people with poor credit scores can find cheaper rates from Geico.
The average cost of auto insurance in Indiana can be higher if you get into an accident or receive a citation for a traffic violation.
Getting a speeding ticket can raise your rates just like an accident. Indiana drivers can find the cheapest auto insurance at State Farm. State Farm fares are $715 cheaper than the average price for speeding drivers.
Indiana drivers who have recently been involved in an at-fault accident can get the best insurance coverage from State Farm. Auto insurance from State Farm costs $1,184, which is 46% cheaper than the state average of $2,208.
Affordable Car Insurance
An accident on your record in Indiana can result in a premium increase of up to 99% depending on the insurer. Insurers raise rates for drivers involved in accidents because they are statistically more likely to be involved in accidents and therefore have a higher risk of being insured.
Drivers with a DUI on their record can get the cheapest rates from State Farm at $1,836 a year. Progressive's rates are not far behind at $1,981 per year. Getting a DUI is a serious offense that can cause auto insurance companies to charge you higher premiums, with an average increase of 77% in Indiana.
Geico offers the best rates for drivers with bad credit at an average annual cost of $2,054 — $300 less than the state average. The average cost of car insurance for drivers with bad credit in Indiana is $2,054. Insurers typically charge higher rates for drivers with bad credit because of the risk of default.
If you're a married driver in Indiana, State Farm has the cheapest rates on average, followed by Auto Owners and Progressive. In fact, Progressive offers the biggest discount of any company, at 16%.
Who Has The Cheapest Auto Insurance In Indianapolis?
Married drivers can see small savings on auto insurance premiums compared to single or unmarried drivers, averaging $38 per year in Indiana.
Allstate has the cheapest rates for young drivers in Indiana, with an average annual cost of $901 for the minimum coverage, which is $315 less than the statewide average. It also offers the best rates for teenage drivers who purchase comprehensive insurance and those with recent speeding tickets. However, young drivers who are involved in an at-fault accident can find cheaper rates from Car Owners.
The average cost of car insurance for 18-year-old drivers in Indiana is $1,216 per year, or $101 per month, more than double the cost for older drivers.
Car insurance is often more expensive for young drivers because they don't have the same driving experience as older drivers. Comprehensive car insurance for young drivers costs an average of $3,155 per year, which is 135% higher than for drivers in their 30s.
Collision Car Insurance: What Is It?
Young drivers with a single speeding ticket can find cheaper rates at Allstate, which offers coverage 23% cheaper than the average. Speeding can lead to higher car insurance rates, but not harshly for drivers involved in at-fault accidents.
The most affordable auto insurance for 18-year-olds involved in an accident comes from Auto Owners at $1,425 per year. Accidents almost always result in a significant increase in the cost of car insurance, which means that premiums for young drivers who are at fault for accidents can be several times more expensive than for most drivers.
State Farm is the best insurer in Indiana based on high customer satisfaction ratings and coverage, not to mention the cheapest rates in the state.
Car owners and USAA are good choices among the state's best insurance companies if you qualify.
Cheapest Car Insurance With Good Coverage (february 2022)
Gary, Indiana is the most expensive city in Indiana with an average of $1,960 for car insurance, while Berne is $1,205 more per year on average.
Comprehensive insurance rates in Indiana can vary up to $755 per year depending on where you live in the state. Car insurance costs are usually higher in big cities where accidents and car thefts are common.
While these are the minimum coverage limits you can get, we recommend increasing the limits to match the value of your assets, including your savings, equity and financial accounts. Your insurer will only cover you up to the specified liability limit, which can leave you financially vulnerable if an expensive car accident turns into a lawsuit.
Car owners have the cheapest Indiana minimum insurance rates of $302 per year. Sovkhoz is the cheapest for full coverage at $906.
Average Cost Of Car Insurance In November 2022
Indiana requires drivers to pay $25,000 per person and $50,000 per incident for bodily injury and $25,000 for property damage. You will need $50,000 in uninsured motorist personal injury compensation.
On average, comprehensive coverage in Indiana costs $112 per month or $1,345 per year. Minimum coverage is $41 per month or $489 per year.
No, Indiana is an at-fault state for auto insurance. This means that if you injure or damage someone in a car accident, your liability insurance will cover the costs. It also means that drivers or insurance companies can sue for a wide range of damages.
We've collected thousands of rates from Indiana's largest zip codes from the largest insurers. We used an example driver with the following profile:
How Much Auto Insurance Do You Need?
For our minimum coverage policies, we have listed the policies with the minimum required limits in Indiana. For other rate analyzes (age, credit score, accident history, and marital status), the base policy has been changed to reflect the new driver. Rates for 18-year-old drivers are for minimum coverage.
The analysis used insurance rate data from Quadrant Information Services. These rates are clearly taken from insurer applications and should be used for comparison purposes only - your individual rates may vary.
To get an insurance quote over the phone, call: (855) 596-3655 | Agents are available 24 hours a day, 7 days a week! Written by Cate Deventer Right Insurance Writer and Editor Kate DeventerArrow Kate Deventer is a writer, editor and insurance professional with over ten years of experience as a licensed insurance agent in the insurance industry. . Connect with Kate Deventer on Twitter Twitter Connect with Kate Deventer on LinkedIn Connect with Kate Deventer on Twitter Linkedin Connect with Kate Deventer via Email Cate Deventer
Edited by Angelica Leicht. Edited by Angelica Leichtarrow. Right Insurance Editor Angelica Leicht is the insurance editor on the team. He is truly passionate about helping readers make the right decisions for their wallets. Angelica Leicht
Best Cheap Car Insurance In Indiana (from $51/mo)
, we strive to help you make smarter financial decisions. We have licensed insurance professionals with 47 years of experience in the auto, home and life insurance industries to help readers understand how insurance affects their finances. We are strict
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