It’s easy to feel overwhelmed when shopping for cheap auto insurance in Indiana. You may already know that insurance quotes can vary greatly from one provider to the next, and some companies offer low cost policies for certain types of drivers.
To help you avoid a major headache, our Geeks analyzed the insurance rates from nine top providers to uncover the most affordable quotes. Below, you’ll find the best rates for these types of drivers:
Best Rates For Drivers With No Recent Accidents
If you’ve never been deemed at-fault for a collision, your insurance company may consider you to be less of a liability, so you should be offered a very affordable rate. Our study found that Progressive provides the cheapest car insurance rates in Indiana for this category. Our data is based on a 29-year-old motorist who purchased a policy with coverage that is slightly higher than the state’s minimum requirements.
Best Rates For Teen Drivers
Teen drivers have the highest car accident rate among all age groups, which makes them a liability to insurance providers. When looking for the best coverage for a young motorist, you may find that prices vary dramatically from one company to the next.
In our research, we used an 18-year-old driver who had not been involved in any accidents or cited for any major traffic violations and was shopping for coverage that met the state’s legal minimum requirements.
Best Rates For Drivers With A DUI
Driving under the influence can have significant legal and financial consequences. Beyond the costly fines and attorney fees, and you also might see a spike in your auto insurance premiums.
Our researchers did the legwork to help you find an insurer who caters to drivers with a DUI or DWI conviction in Indiana. We discovered that State Farm offers the most affordable rates for drivers in this category. Our data is based on average rates for males and females age 29 who had a clean driving record except for one DUI.
Best Rates For Senior Drivers
Car insurance tends to be lower for seniors since they usually drive less than younger adults. Our data showed that State Farm and Allstate offer very low cost auto insurance for seniors in Indiana. The hypothetical motorist in our test was age 65 and had a clean driving record for the past five years.
To find the lowest auto insurance rates in Indiana, our researchers averaged the monthly premiums of females and males from five zip codes. The default vehicle was a 2014 Toyota Corolla driven 12,000 miles per year. The monthly premium estimates are based on having 50/100/25 liability coverage limits and the same coverage for accidents with uninsured motorists.
What Are The Legal Minimum Car Insurance Liability Limits In Indiana?
Drivers in Indiana are required by law to carry liability coverage that would pay at least $25,000 for bodily injury to one individual, $50,000 for bodily injuries per collision, and $10,000 for property damage.