Finance & accounting · Ranked by price to features
10 Best Car Insurance in Indiana of 2026
By the Rankozo research desk · Updated November 11, 2026 · Next review December 26, 2026
Erie Insurance is the best car insurance in Indiana in 2026 for most drivers because ERIE Rate Lock holds your rate unless you change cars, drivers or where the car is parked, and its full coverage includes a diminishing deductible plus glass, pet and personal item cover. Progressive suits drivers who want a price first, with an Indiana average of $91.93 a month for liability only in 2025, and AARP members should quote The Hartford, whose Indiana customers pay about $83 a month. The lowest Indiana figure we found, as of November 2026, is Acceptance Insurance's $37 a month average for the cheapest liability coverage.
- Tools ranked
- 10
- With free plan
- 0
- Cheapest paid plan
- AARP Auto Insurance from The Hartford, $83
- per month, Indiana customer average
By the numbers
- $81,905US households (consumer units) spent an average of $81,905 in 2025, up 4.3 percent from 2024.U.S. Bureau of Labor Statistics
- $27,790US households spent an average of $27,790 on housing in 2025, 33.9 percent of total spending.U.S. Bureau of Labor Statistics
- 3.7%US consumer prices rose 3.7 percent in the 12 months to September 2026, before seasonal adjustment.U.S. Bureau of Labor Statistics
- 63%63 percent of US adults said in 2025 that they would cover a $400 emergency expense with cash or its equivalent, unchanged from 2024.Federal Reserve Board
- 47%Only 47 percent of Americans said they had enough savings or access to funds to cover a $1,000 emergency expense in Bankrate's 2026 survey.Bankrate
- 3.8%The US personal saving rate, personal saving as a share of disposable income, was 3.8 percent in September 2026, according to the Bureau of Economic Analysis.U.S. Bureau of Economic Analysis
Comparison table
| Tool | |||||
|---|---|---|---|---|---|
| Erie Insurance | 01 | 8.9 | 9.2 | Check price | No |
| Progressive | 02 | 8.8 | 8.7 | Customper month, Indiana average liability-only policy | No |
| State Farm | 03 | 8.8 | 8.6 | Check price | No |
| AARP Auto Insurance from The Hartford | 04 | 8.6 | 9.0 | $83per month, Indiana customer average | No |
| American Family Insurance | 05 | 8.3 | 8.2 | Check price | No |
| Liberty Mutual | 06 | 8.3 | 8.3 | Customper month, Indiana average full coverage | No |
| Allstate | 07 | 8.2 | 7.8 | Check price | No |
| Lemonade Car | 08 | 8.0 | 7.6 | Customper month, Indiana estimated average | No |
| Travelers | 09 | 8.0 | 7.9 | Check price | No |
| Acceptance Insurance | 10 | 7.7 | 8.4 | Customper month, Indiana average cheapest liability | No |
Click a column to sort. Prices are the cheapest paid plan quoted from each vendor's US pricing page; "Check price" means the US price check is pending.
How this ranking works
One method for every tool. We compared documented features and published prices; we did not run hands-on tests. Value carries the most weight.
Full methodThis list is for Indiana drivers comparing insurers on local rates, claims service and coverage options. We compared documented features, discounts, claims access and published prices on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Indiana is an at-fault state with minimum liability limits of $25,000 per person, $50,000 per accident and $25,000 for property damage, and insurers must include uninsured and underinsured motorist coverage unless you reject it in writing. Most insurers do not publish an Indiana price, so we quote the figures that Progressive, The Hartford, Liberty Mutual, Lemonade and Acceptance publish and mark the rest as pending. Some are statewide averages rather than offers, and we say which. Indiana Farm Bureau Insurance, GEICO and USAA pages did not load for us, so they are left out.
The verdict
Erie Insurance is the first quote to get in Indiana. It has written car insurance in the state since 1978, sells through more than 14,000 agents and puts ERIE Rate Lock, a diminishing deductible and glass, pet and personal item cover into the policy. Progressive is the price benchmark, with a published Indiana average of $91.93 a month for liability only, and State Farm is the best second call for families with drivers under 25 thanks to Steer Clear and Drive Safe & Save. AARP members should add The Hartford, whose Indiana customers average about $83 a month. Liberty Mutual and American Family suit drivers who want online buying or usage-based pricing, while Acceptance covers drivers who need an SR-22.
- 01Top value
Erie Insurance
8.9/10Agent-sold insurer that has written car insurance in Indiana since 1978, known for ERIE Rate Lock.
- Free plan
- No
- Value (40%)
- 9.2
- Features (35%)
- 9.1
- Ease of use (25%)
- 8.2
Best forIndiana drivers who want full coverage with extras built in and a local agent
Erie Insurance is the strongest all-round choice for Indiana drivers who want more than the 25/50/25 minimum. Its Indiana page says ERIE has insured drivers in the state since 1978, and every quote runs through one of its more than 14,000 local agents. The policy is built for full coverage buyers. ERIE Rate Lock keeps your rate unchanged unless you add or remove a car or driver or change where the car is parked. Comprehensive coverage waives the deductible on glass repair and pays a locksmith up to $75, and physical damage coverage includes up to $350 for personal items and up to $500 per pet hurt in a crash. Claims-free years cut the deductible by $100 each, to a $500 maximum, and First Accident Forgiveness applies after three years as a customer. Families can earn up to 20% off when a teen finishes teenSMART, and Indiana discounts cover safety equipment, multiple cars, reduced usage or 100% farm use. The drawbacks are agent-only buying and no published Indiana price.
- ✓Writing car insurance in Indiana since 1978
- ✓Multi-policy discounts of 15% to 25% depending on the state, with a typical discount around 20%
- ✓Pet injury cover of up to $500 per pet and personal items up to $350 come with the policy
- ✕Sold only through agents, so there is no fully online purchase
- ✕No published Indiana price, so you need a quote to compare
- ✕Accident forgiveness only applies after three years as a customer in Indiana
- Selling in Indiana since:
- 1978
- Agents:
- More than 14,000
- Teen discount:
- Up to 20% with teenSMART
- Multi-policy discount:
- 15% to 25%, varies by state
Bottom line: Erie Insurance is the best car insurance in Indiana for most drivers because ERIE Rate Lock, a diminishing deductible and glass, pet and personal item cover come with the policy. Get an Erie quote first, especially if you want full coverage.
- 02
Progressive
8.8/10National insurer that publishes its own Indiana average and sells online, by phone and through independent agents.
Price
Customper month, Indiana average liability-only policy
Progressive's Indiana average was $91.93 a month in 2025 for a liability-only policy with one car and one driver
“In 2025, a Progressive liability-only policy for one car and one driver in Indiana cost an average of $91.93 per month.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 8.7
- Features (35%)
- 8.7
- Ease of use (25%)
- 9.0
Best forDrivers who want a published Indiana price before they quote
Progressive is the most transparent large insurer for Indiana shoppers. Its Indiana page states that a liability-only policy for one car and one driver averaged $91.93 a month in 2025, which gives you a benchmark before you call anyone. The page lists Indiana discounts for bundling, insuring more than one car and starting a quote online, plus savings for accident-free driving, teen drivers, students away at school and paperless documents. You can buy online, call a licensed rep at 1-855-347-3939 or work with an independent agent, who can also quote other carriers. Progressive notes that Indiana insurers must include uninsured and underinsured motorist coverage unless you reject it in writing, and it sells medical payments, comprehensive and collision for a fuller policy. The page also explains Indiana's Certificate of Compliance and SR-22 rules, which helps drivers after a lapse. The limits: the published figure covers liability only, and the page gives no discount percentages.
- ✓The only national brand here with its own published Indiana average
- ✓Three ways to buy, including independent agents who can compare other carriers
- ✓Drivers who switch save over $950 on average nationwide, per Progressive
- ✕The $91.93 figure is liability-only, so full coverage costs more
- ✕The switch savings figure is national, not Indiana-specific
- ✕Discount amounts are not listed on the Indiana page
- Indiana average:
- $91.93 a month, 2025 liability-only
- Switch savings:
- Over $950 on average, national
- Phone:
- 1-855-347-3939
- Ways to buy:
- Online, phone or independent agent
Bottom line: Progressive is the best Indiana pick for drivers who want a price benchmark first, with a published $91.93 monthly average for liability-only coverage in 2025. Use that number to judge every other quote.
- 03
State Farm
8.8/10Largest agent network in the US, insuring cars since 1922, with Drive Safe & Save and Steer Clear programs.
- Free plan
- No
- Value (40%)
- 8.6
- Features (35%)
- 8.9
- Ease of use (25%)
- 8.8
Best forFamilies with drivers under 25 who want a local agent
State Farm is the agent-led option that fits Indiana families best. Its auto page says it has insured cars since 1922 and has over 19,000 auto insurance agents, so most Indiana towns have one nearby. The two programs that matter most for households with young drivers are Drive Safe & Save, which can cut the premium by up to 30% for safe driving, and Steer Clear, which saves up to 20% for drivers under 25 with no at-fault accidents or moving violations in the past three years. Coverage choices include liability, comprehensive, collision and uninsured and underinsured motorist coverage, and claims can be reported online, in the app or by phone. State Farm says drivers who switch save an average of $740, and bundling auto with renters can save up to $900. It does not sell gap insurance, so financed-car owners need it from their lender, and there is no published Indiana price.
- ✓Two large discounts aimed at safe and young drivers
- ✓Local agent service across Indiana
- ✓Switchers save an average of $740, per State Farm
- ✕No published Indiana price
- ✕Does not sell gap insurance
- ✕Savings figures are national averages and maximums
- Insuring cars since:
- 1922
- Agents:
- Over 19,000
- Safe-driving discount:
- Up to 30% with Drive Safe & Save
- Under-25 discount:
- Up to 20% with Steer Clear
Bottom line: State Farm is the best Indiana choice for families with drivers under 25 because Steer Clear saves up to 20% and Drive Safe & Save up to 30%. Pair it with a local agent if you want help at claim time.
- 04
AARP Auto Insurance from The Hartford
8.6/10Car insurance program for AARP members, sold in Indiana since 1984.
Price
$83per month, Indiana customer average
Pay as little as $83 a month in Indiana; The Hartford's Indiana customers pay an average of $1,001 a year, or about $83 a month
“The Hartford's customers in Indiana pay an average of $1,001 a year, or about $83 a month, for car insurance.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 9.0
- Features (35%)
- 8.4
- Ease of use (25%)
- 8.4
Best forAARP members and drivers over 50
The AARP Auto Insurance Program from The Hartford is the value pick for Indiana drivers over 50. Its Indiana page says The Hartford has protected AARP members in the state since 1984 and that its Indiana customers pay an average of $1,001 a year, about $83 a month, the lowest insurer-published customer average we found for the state. Benefits listed for Indiana drivers include New Car Replacement, Accident Forgiveness, Disappearing Deductible and 24/7 claim service. Bundling saves up to 12% on car insurance and up to 20% on Indiana home insurance, and the company says bundlers save an average of $963. Optional coverages include uninsured and underinsured motorist bodily injury and property damage, comprehensive, roadside assistance and transportation expense, and the app stores your ID cards, which Indiana accepts electronically. The catch is the audience: the program is built for AARP members, and its average reflects that older, experienced customer base.
- ✓Lowest published Indiana customer average on this list from an insurer's own book
- ✓Benefits aimed at experienced drivers, including Accident Forgiveness
- ✓Bundling customers save an average of $963, per The Hartford
- ✕Built around AARP membership
- ✕Indiana average reflects The Hartford's own, mostly older, customers
- ✕Fewer coverage add-ons listed than Erie
- Indiana average:
- $1,001 a year, about $83 a month
- In Indiana since:
- 1984
- Bundle discount:
- Up to 12% on auto
- Claims:
- 24/7
Bottom line: The Hartford is the best Indiana choice for AARP members because its Indiana customers pay about $83 a month on average. Younger drivers should not expect that figure.
- 05
American Family Insurance
8.3/10Midwest insurer with DriveMyWay and MilesMyWay usage-based programs and a long list of add-ons.
- Free plan
- No
- Value (40%)
- 8.2
- Features (35%)
- 8.5
- Ease of use (25%)
- 8.0
Best forMidwest households that want usage-based pricing and add-ons
American Family Insurance suits Indiana households that want to pay according to how much and how well they drive. Its Indiana requirements page lists DriveMyWay, a usage-based program built on driving habits, and MilesMyWay, which prices low-mileage drivers. The coverage menu is long: collision, comprehensive, medical payments, uninsured and underinsured motorist, rideshare, gap, accident forgiveness, Diminishing Deductible, OEM parts coverage, rental reimbursement and 24/7 emergency roadside assistance. That makes it easy to build a full coverage policy for a financed car without going to a separate gap provider. The Indiana page restates the 25/50/25 minimums and recommends rental reimbursement and underinsured coverage as add-ons. American Family sells through local agents as well as online quotes. The drawback for a value-weighted ranking is that it publishes no Indiana price and no discount percentages on the Indiana page, so you cannot benchmark it without a quote.
- ✓Two usage-based programs, one for driving habits and one for mileage
- ✓Gap coverage available, unlike State Farm
- ✓Local agents across the Midwest
- ✕No published Indiana price
- ✕Discount amounts are not shown on the Indiana page
- ✕Usage-based programs need driving data
- Usage-based programs:
- DriveMyWay and MilesMyWay
- Gap coverage:
- Available
- Roadside:
- 24/7 emergency roadside assistance option
- Indiana minimums listed:
- 25/50/25
Bottom line: American Family is the best Indiana choice for low-mileage drivers because MilesMyWay prices by the miles you drive. Add gap and accident forgiveness if you finance your car.
- 06
Liberty Mutual
8.3/10National insurer that sells online and through agents, with the RightTrack safe-driving program.
Price
Customper month, Indiana average full coverage
Liberty Mutual's Indiana page puts the statewide average for full coverage at about $128 a month, or $1,536 a year, as of November 2026; its own prices are quote-only
“The average cost of “full” coverage car insurance in Indiana is about $128 per month, or $1,536 per year.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 8.3
- Features (35%)
- 8.3
- Ease of use (25%)
- 8.3
Best forDrivers who want to buy full coverage online
Liberty Mutual is a practical choice for Indiana drivers who want to buy full coverage online. Its Indiana page, dated November 2026, says full coverage in the state averages about $128 a month, or $1,536 a year, and explains that Indiana PLPD policies are liability only and not full coverage. That makes it a useful benchmark for the second question most Hoosiers ask. Discounts include an Online Purchase Discount, a bundle discount and RightTrack, which can save up to 30% for good driving. You can get a price online, find a local agent or call, and claims run through 800-2CLAIMS, with roadside at 877-762-3101 and text support at 844-629-8981. Liberty Mutual says switchers could save over $700. The weak points: its own Indiana rates are quote-only, the $128 figure is a statewide average rather than its price, and roadside calls cost extra if the policy lacks Towing and Labor coverage.
- ✓Publishes a November 2026 Indiana full coverage benchmark
- ✓Buy online or through a local agent
- ✓Switchers could save over $700, per Liberty Mutual
- ✕The $128 figure is a state average, not a Liberty Mutual price
- ✕RightTrack savings are a maximum
- ✕Roadside calls cost extra without Towing and Labor coverage
- Indiana full coverage average:
- About $128 a month, $1,536 a year
- Safe-driving discount:
- Up to 30% with RightTrack
- Claims:
- 800-2CLAIMS
- Switch savings:
- Over $700, per Liberty Mutual
Bottom line: Liberty Mutual is the best Indiana pick for drivers who want to buy full coverage online, with RightTrack savings of up to 30%. Its $128 statewide full coverage average is a handy yardstick.
- 07
Allstate
8.2/10National insurer with Drivewise, 24/7 licensed reps and local agents.
- Free plan
- No
- Value (40%)
- 7.8
- Features (35%)
- 8.4
- Ease of use (25%)
- 8.4
Best forDrivers who want to buy by phone at any hour
Allstate is a flexible choice for Indiana drivers who want to shop on their own schedule. Its auto page says licensed reps are available 24/7 at 866-340-2084, and you can also quote online in minutes or go through a local agent. Coverage includes liability, collision, comprehensive and uninsured and underinsured motorist, with specialty policies for electric cars, teen drivers, rideshare and classic cars. Discounts cover bundling, good students, students attending school more than 100 miles from where the car is garaged, safety features such as anti-lock brakes and paying in full, and Drivewise sets a rate based on safe driving. Allstate says customers who switched saved $900 on average, and it reports $939, $928 and $940 average savings for switchers from Progressive, State Farm and GEICO. The downside in a value-first ranking: no Indiana price is published, and those savings figures are national.
- ✓Quote online, by phone around the clock or with a local agent
- ✓Switchers saved $900 on average, per Allstate
- ✓Wide discount list
- ✕No published Indiana price
- ✕Savings claims are national averages
- ✕Fewer built-in extras than Erie
- Safe-driving program:
- Drivewise
- Quote line:
- 866-340-2084, 24/7
- Switch savings:
- $900 on average, per Allstate
- Ways to buy:
- Online, phone or local agent
Bottom line: Allstate is the best Indiana pick for drivers who want a licensed rep at any hour, with phone quotes available 24/7. Compare its quote against Progressive's published Indiana average.
- 08
Lemonade Car
8.0/10App-based car insurer available in Indiana, designed for safe, low-mileage drivers.
Price
Customper month, Indiana estimated average
Lemonade's Indiana page puts the statewide estimated average at about $126 a month, citing ValuePenguin; its own prices are quote-only
“The average estimated cost of car insurance in Indiana is approximately $126 per month, depending on factors like your age, driving history, car type, and location.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 7.6
- Features (35%)
- 7.6
- Ease of use (25%)
- 9.0
Best forSafe, low-mileage drivers who want to manage everything in an app
Lemonade Car is the app-first option for Indiana drivers who rarely need to speak to anyone. Its Indiana page says the product was designed for safe, low-mileage drivers, and safe driving habits such as speed, braking and smooth turns can lower premiums. Discounts include one for hybrids and electric vehicles, bundles with Lemonade renters, homeowners, pet and life insurance, a three-year safe driving discount and a five-year accident-free discount. Optional coverages include collision, comprehensive, MedPay, uninsured and underinsured motorist bodily injury, uninsured motorist property damage and temporary transportation for up to 30 days while your car is repaired. Claims are filed in the app. The price figure on the page, about $126 a month, is an estimated statewide average that Lemonade attributes to ValuePenguin, not a Lemonade rate. With no agents and a focus on low-mileage drivers, it ranks lower for long-distance commuters.
- ✓Fully app-based from quote to claim
- ✓Rewards safe driving habits such as speed, braking and turns
- ✓Discount for hybrids and electric vehicles
- ✕No agents
- ✕The $126 figure is a statewide estimate from ValuePenguin, not Lemonade's own rate
- ✕Built for low-mileage drivers, so long commuters may pay more
- Indiana estimated average:
- About $126 a month, statewide
- Temporary transportation:
- Up to 30 days
- Agents:
- None, app only
- EV discount:
- Yes
Bottom line: Lemonade Car is the best Indiana pick for safe, low-mileage drivers who want to handle everything in an app. Commuters with long daily drives should compare it with Progressive.
- 09
Travelers
8.0/10Insurer sold mainly through independent agents, with 24/7 claim reporting and gap coverage.
- Free plan
- No
- Value (40%)
- 7.9
- Features (35%)
- 8.2
- Ease of use (25%)
- 7.9
Best forDrivers who buy through an independent agent
Travelers is the agent-channel alternative for Indiana drivers who already work with an independent insurance agent. Its car insurance page lists a Safe Driver Discount for households with no accident, violation or major comprehensive claim in three to five years, a good student discount for drivers with a B average or better, and multi-policy savings when you bundle car with home, condo, renters, boat or umbrella cover. Coverage options include liability, collision, comprehensive and loan or lease gap coverage, which matters for newer financed cars. Claims can be reported 24/7, tracked in a MyTravelers account and paid electronically or by check. Quotes come from an independent agent or by phone at 1.866.218.0397. Travelers ranks lower here because it publishes no Indiana price or discount percentages, which makes value hard to judge before a quote, and its online tools are thinner than the direct sellers.
- ✓Sold through independent agents who can compare carriers
- ✓Gap coverage for financed or leased cars
- ✓Digital claim tracking
- ✕No published Indiana price
- ✕Discount amounts not listed
- ✕Fewer self-serve tools than Progressive
- Safe Driver Discount:
- No accident or violation in 3 to 5 years
- Good student:
- B average or better
- Quote line:
- 1.866.218.0397
- Claims:
- 24/7 reporting
Bottom line: Travelers is the best Indiana choice for drivers who use an independent agent and want gap coverage on the same policy. Ask the agent to quote it next to Erie.
- 10
Acceptance Insurance
7.7/10Non-standard insurer with bilingual agents and SR-22 filings.
Price
Customper month, Indiana average cheapest liability
Acceptance's Indiana page puts the average for the cheapest liability insurance at $37 a month and full coverage at about $142 a month
“Although some drivers simply look for the cheapest liability insurance in Indiana, which costs an average of $37 per month, others choose to increase their coverage limits beyond what the state requires.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 8.4
- Features (35%)
- 6.9
- Ease of use (25%)
- 7.8
Best forDrivers who need an SR-22 or a basic liability policy
Acceptance Insurance is the fallback for Indiana drivers whom standard insurers turn down or price high. Its Indiana page says the cheapest liability insurance in the state averages $37 a month, that state-required coverage averages $446 a year against an $820 national average, and that full coverage runs roughly $142 a month. Those are market averages rather than Acceptance offers, but they set a floor for budget shoppers. Acceptance sells SR-22 auto insurance, which matters in Indiana because a driver who cannot prove coverage after a BMV request may need an SR-22 to get driving privileges back. Its bilingual agents can help in English or Spanish, and you can call 877-405-7102 or find a local office. Optional products include roadside help through its Auto Club plus windshield, tire hazard and paintless dent repair plans. The list of built-in coverage benefits is short next to Erie or The Hartford, so drivers with clean records will usually do better elsewhere.
- ✓Lowest Indiana liability figure published on any page we checked
- ✓Help for drivers who need an SR-22
- ✓Agents who speak English and Spanish
- ✕The $37 figure is a state average, not an Acceptance offer
- ✕Fewer coverage extras than standard insurers
- ✕Aimed at non-standard drivers, so good-record drivers may pay less elsewhere
- Liability average:
- $37 a month, Indiana
- Full coverage average:
- About $142 a month, Indiana
- SR-22:
- Yes
- Phone:
- 877-405-7102
Bottom line: Acceptance Insurance is the best Indiana choice for drivers who need an SR-22 or bilingual help. Drivers with clean records should quote standard insurers first.
What to check before you pay
Start with the Indiana minimums, then size up
Indiana requires $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. Insurers must include uninsured and underinsured motorist coverage unless you reject it in writing, and The Hartford cites Insurance Research Council data that 15.8% of Indiana drivers were uninsured. Keep that coverage, and quote every insurer at the same limits and deductibles.
Know what full coverage costs in Indiana
Full coverage means liability plus collision and comprehensive, which lenders require on financed or leased cars. Liberty Mutual puts the Indiana average at about $128 a month as of November 2026, and Acceptance cites roughly $142 a month. A PLPD policy is liability only and does not count as full coverage.
Use published prices as benchmarks
Progressive's liability-only average was $91.93 a month in 2025, The Hartford's Indiana customers average about $83 a month, and Acceptance cites $37 a month for the cheapest liability coverage. If a quote for similar coverage lands far above those figures, keep shopping.
Stack discounts that fit your household
Young drivers can save up to 20% with Erie's teenSMART or State Farm's Steer Clear. Safe-driving programs such as Drive Safe & Save and RightTrack go up to 30%, and Erie's multi-policy discount runs 15% to 25% depending on the state. Low-mileage drivers should ask about MilesMyWay or Lemonade.
Keep proof of insurance current
Progressive explains that if your insurer does not send a Certificate of Compliance within 90 days of a BMV request, your driving privileges are suspended. You may then need an SR-22 for 180 consecutive days. Acceptance and Progressive both handle SR-22 drivers.
FAQ
What is the best car insurance in Indiana?
Erie Insurance is the best car insurance in Indiana for most drivers in 2026. It has sold car insurance in Indiana since 1978, offers ERIE Rate Lock and includes glass repair, locksmith, pet and personal item cover in its policy. Progressive is the best alternative if you want a published price, with an Indiana liability-only average of $91.93 a month in 2025.
What is the best full coverage car insurance in Indiana?
Erie Insurance is the best full coverage pick in Indiana because its policy adds a diminishing deductible, glass repair with no deductible and new or used car replacement through Auto Security. Liberty Mutual puts the Indiana average for full coverage at about $128 a month as of November 2026, so use that as a benchmark when you compare quotes.
How much is car insurance in Indiana per month?
Published Indiana figures range from $37 to about $142 a month depending on coverage. Acceptance cites $37 a month for the cheapest liability coverage, Progressive's liability-only average was $91.93 in 2025, and Liberty Mutual puts full coverage at about $128 a month. The Hartford says its Indiana customers pay about $83 a month.
What is the minimum car insurance required in Indiana?
Indiana requires 25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. Insurers must include uninsured and underinsured motorist coverage unless you reject it in writing, according to Progressive's Indiana page.
Is Indiana a no-fault state for car insurance?
No, Indiana is an at-fault state. The driver who causes a crash is responsible for the resulting injuries and property damage, which is usually paid through that driver's liability insurance, as Progressive and Lemonade explain on their Indiana pages.
Which car insurance is cheapest in Indiana for older drivers?
The AARP Auto Insurance Program from The Hartford publishes the lowest customer average we found for older drivers in Indiana, at $1,001 a year or about $83 a month. It includes Accident Forgiveness, New Car Replacement and 24/7 claim service, and bundling with home saves up to 12% on auto.
Which Indiana car insurer is best for drivers who need an SR-22?
Acceptance Insurance is the best fit on this list for Indiana drivers who need an SR-22. It sells SR-22 auto insurance through bilingual agents, and Progressive notes that an insurance-related SR-22 in Indiana is satisfied after 180 consecutive days of coverage.
Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.
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