Indiana Insurance Agencies by County

How to Lower Your Car Insurance in Indiana (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Indiana? Whether you’re commuting in Indianapolis, driving in Fort Wayne or Evansville, or traveling rural highways, there are reliable ways to keep premiums down. This overview explains how Indiana insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Indiana Score You

• Driving history – Accidents, tickets, DUIs, and prior claims can raise your rate.
• Credit score – Indiana allows credit-based insurance scoring; better credit often means better pricing.
• Location – Higher traffic and claim frequency in some areas can increase premiums.
• Vehicle type – Repair costs, safety ratings, and theft risk affect pricing.
• Annual mileage – Driving fewer miles may qualify for discounts.
• Coverage choices – Higher limits and full coverage cost more; higher deductibles typically lower monthly premiums.

10 Ways to Lower Your Car Insurance in Indiana

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Check all discounts (safe driver, good student, multi-car, homeowner, paid-in-full, autopay).
7. Consider liability-only on older vehicles.
8. Choose vehicles with lower repair and theft risk.
9. Avoid coverage lapses.
10. Re-shop every 6–12 months.

Indiana Minimum Auto Insurance Requirements

Indiana generally requires at least 25/50/25 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage per accident. Many drivers choose higher limits for better protection.

Winter Roads, Deer, and Comprehensive Coverage

Indiana drivers can face snow/ice, deer collisions, and storm-related damage. Comprehensive coverage can help protect your vehicle from non-collision damage such as theft, vandalism, falling objects, and animal impacts.

Use the county list above to explore local insurance agencies in your area and compare options side-by-side.