You have probably watched the captivating ads from auto insurance companies like The General and Allstate that say if you switch you'll get big savings, so you should just choose any one of them, right?

Unfortunately, it's just not that easy, as there are a ton of unknown elements like whether you just need liability insurance, if you have a tendency to get pulled over, when you were born, and if you own or rent your home, that all impact the cost of coverage. We will touch on the different ways you can keep rates low and will hopefully give the reader some help in finding cheaper rates.

The vehicle on the policy is one of the main factors when consumers are trying to find cheaper auto insurance for nurses. Vehicles with lower acceleration and performance, excellent safety ratings, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models. The table below presents auto insurance prices for a selection of the most affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure for Nurses in Indiana
Vehicle Insured Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $554
Honda CR-V LX 4WD $564
Toyota Prius $615
Ford Escape XLS 2WD $627
Toyota Tacoma 2WD $643
Chevrolet Impala LS $650
Chevrolet Equinox LT AWD $657
Jeep Grand Cherokee Laredo 2WD $662
Hyundai Elantra SE Touring Station Wagon $662
Chevrolet Malibu LT $669
Ford F-150 Lariat Crew Cab Harley 2WD $706
Nissan Rogue S AWD $714
Volkswagen Jetta 2.0T 4-Dr Sedan $706
Dodge Ram Crew Cab ST 4WD $717
Ford Fusion S 4-Dr Sedan $721
Dodge Grand Caravan SXT $734
Ford Explorer Eddie Bauer AWD $739
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can modify coverage rates greatly.

Based on these rates, cars like the Honda Accord, Honda CR-V, and Toyota Prius will definitely be some of the cheapest vehicles to insure for health professionals.

Locating budget insurance is difficult, and deciding which companies offer the cheapest insurance rates for nurses in Indiana requires more quotes for comparison. Policy prices will be moderately cheaper than the state average, with the lower cost attributed to the potential for fewer claims that comes with selling coverage for health professionals. Budget-friendly coverage should be attainable from many insurers. Every insurance company has a proprietary method to determine rates, so let's take a look at the insurance companies with the overall cheapest rates in Indiana.

It's important to understand that Indiana insurance rates are impacted by many things that can increase the price you pay. This price variation is why it is important to do a thorough rate comparison when trying to get the most budget-friendly auto insurance rates for nurses. Prices are influenced by many things and can change substantially, so the most economical option when you bought your policy may now be wasting a lot of money.

Cheap Insurance Rates for Health Occupations

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Cheapest auto insurance in Indiana ranked by cost per year
Rank Company Cost Per Year
1 Travelers $596
2 Cincinnati Insurance $658
3 USAA $667
4 Erie $712
5 Western Reserve $838
6 Indiana Farmers Mutual $875
7 The Hartford $881
8 Auto-Owners $888
9 Utica National $956
10 State Farm $957
11 Motorists Mutual $966
12 Nationwide $968
13 Safeco $973
14 Hastings Mutual $1,003
15 Farmers $1,033
16 Westfield $1,094
17 Wolverine Mutual $1,094
18 GEICO $1,100
19 State Auto $1,120
20 Celina Insurance $1,135
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Travelers may have some of the cheapest car insurance rates in Indiana at around $596 annually. This is $644 less than the average premium paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Western Reserve also are some of the cheaper Indiana insurance companies.

As shown in the table above, if you currently buy coverage from Western Reserve and switched to Cincinnati Insurance, you may see a yearly price reduction of in the neighborhood of $180. Customers with Indiana Farmers Mutual may save as much as $217 a year, and The Hartford customers might cut rates by $223 a year.

To find out how your current rates compare, click here to get quotes or click through to the companies below.

It's important to note that these premium estimates are averages across all types of insureds and vehicles and do not take into consideration a rate decrease for nurses. So the auto insurance company that has the cheapest rates for you may not even be in the top 36 companies in the list above. That emphasizes why you need to quote rates from many companies using your own driver information and specific vehicle type.

For health professionals, one of the more important components that aid in calculating auto insurance rates is where you live in Indiana. Larger areas like Gary, Merrillville, and Jeffersonville are more likely to have higher rates, whereas areas with less congestion have the gratification of cheaper auto insurance rates.

The illustration below lists the most expensive places in Indiana for nurses to buy an auto insurance policy in.

How much does auto insurance cost in Indiana?
Rank City Average Per Year
1 Gary $1,347
2 Hammond $1,288
3 Merrillville $1,128
4 Portage $1,093
5 Jeffersonville $1,080
6 Terre Haute $1,077
7 Lawrence $1,055
8 Indianapolis $1,050
9 Evansville $1,045
10 Kokomo $1,031
11 New Albany $1,028
12 Anderson $1,011
13 Bloomington $988
14 Elkhart $985
15 Columbus $984
16 Fishers $983
17 Fort Wayne $976
18 Mishawaka $974
19 Muncie $965
20 Richmond $964
21 South Bend $947
22 Greenwood $941
23 Carmel $929
24 Noblesville $920
25 Lafayette $917
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Annual rates are estimated as the specific Indiana residence address can decrease or increase auto insurance rates significantly.

The illustration below shows how choosing a deductible can increase or decrease premium costs when getting quotes for cheap insurance for nurses in Indiana. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

The chart above illustrates that a 30-year-old driver could save $254 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $384 by using a $1,000 deductible. Even younger insureds, like the 20-year-old, could drop their prices up to $566 each year just by using higher deductibles.

If you do make the decision to raise your deductibles, it will be important to have enough in a savings account to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Choosing a highly-rated auto insurance provider is hard considering how many different companies there are to choose from in Indiana. The company rank data shown below can help you select which car insurance companies you want to consider when insurance shopping for nurses.

These rankings are only made up of large, nationwide insurance companies, so smaller companies that only insure vehicles in Indiana are not factored into the list. To compare price quotes and find cheaper insurance for nurses, follow this link.

Top 10 Large Auto Insurers in Indiana Ranked by Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Titan Insurance
  6. Travelers
  7. Liberty Mutual
  8. GEICO
  9. Erie Insurance
  10. Allstate

Types of discounts on Indiana auto insurance rates

Insurance companies that offer quotes for nurses may provide price discounts that can reduce rates by as much as 35% if you meet the requirements. The best insurance companies and some of their more popular discounts are:

The chart below illustrates the comparison of insurance costs with and without policy discounts. The prices are based on a female driver, a clean driving record, no at-fault accidents, Indiana state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, accident-free, multiple vehicle, passive restraint, claim-free, and vehicle safety discounts applied. When these discounts are applied, theaverage amount saved on insurance for nurses is 28% or $348.

How to find the cheapest insurance for nurses

It's not impossible to find cheaper rates, and here are a few money-saving suggestions that can help Indiana drivers locate cheap auto insurance.

That last piece of advice is extraordinarily crucial, as we emphasized in the prior information. Auto insurance rates vary considerably, so drivers shouldn't hesitate to switch carriers if a better rate can be found.

Having a favorite company is fine, but we do not recommend it if that loyalty results in overpaying lots of money. In less than five minutes you could compare prices to find cheaper car insurance for nurses.