Indiana Auto Insurance Rates
Median premium: $684/6mo across 13 carriers and 968 ZIP codes.
Premiums range from $456 to $1,768 — a 3.9x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$684
per 6 months
ZIP Codes
968
with rate data
Carriers
13
rated in IN
Price Spread
3.9x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $518 | 968 ZIPs | 100% | |
| 2 | Farmers | $581 | 0 ZIPs | 0% | |
| 3 | Erie Insurance | $612 | 0 ZIPs | 0% | |
| 4 | Shelter Insurance | $634 | 0 ZIPs | 0% | |
| 5 | Auto-Owners | $648 | 0 ZIPs | 0% | |
| 6 | State Farm | $662 | 0 ZIPs | 0% | |
| 7 | American Family | $684 | 0 ZIPs | 0% | |
| 8 | Progressive | $756 | 0 ZIPs | 0% | |
| 9 | Nationwide | $792 | 0 ZIPs | 0% | |
| 10 | Travelers | $806 | 0 ZIPs | 0% | |
| 11 | Liberty Mutual | $828 | 0 ZIPs | 0% | |
| 12 | GEICO | $859 | 0 ZIPs | 0% | |
| 13 | Allstate | $936 | 0 ZIPs | 0% |
1
$518USAA#1 in 968 ZIPs (100%)
2
$581Farmers#1 in 0 ZIPs (0%)
3
$612Erie Insurance#1 in 0 ZIPs (0%)
4
$634Shelter Insurance#1 in 0 ZIPs (0%)
5
$648Auto-Owners#1 in 0 ZIPs (0%)
6
$662State Farm#1 in 0 ZIPs (0%)
7
$684American Family#1 in 0 ZIPs (0%)
8
$756Progressive#1 in 0 ZIPs (0%)
9
$792Nationwide#1 in 0 ZIPs (0%)
10
$806Travelers#1 in 0 ZIPs (0%)
11
$828Liberty Mutual#1 in 0 ZIPs (0%)
12
$859GEICO#1 in 0 ZIPs (0%)
13
$936Allstate#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Indiana
| City | Avg Median | ZIPs |
|---|---|---|
| Branchville | $456 | 1 |
| Bristow | $456 | 1 |
| Cannelton | $456 | 1 |
| Celestine | $456 | 1 |
| Dale | $456 | 1 |
Most Expensive Cities in Indiana
| City | Avg Median | ZIPs |
|---|---|---|
| Lake Station | $1,292 | 1 |
| Gary | $1,292 | 8 |
| Sellersburg | $1,193 | 1 |
| New Albany | $1,193 | 2 |
| Clarksville | $1,193 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,292/6mo
46409 (Gary)
Cheapest ZIP
$456/6mo
47514 (Branchville)
3.9x
Price Spread
The most expensive ZIP in Indiana costs 3.9x more than the cheapest. Your ZIP code matters more than you think.
Indiana Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Indiana
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Access ZIP-level rate data across all 13 carriers, 968 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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