The words "economical" and "insurance" really shouldn't be used in the same sentence, specifically when comparison shopping for the best car insurance rates for immigrants. Because it's not cheap, let's learn about some situations that significantly impact car insurance prices, and figure out some ways to take the sting out of the next policy you buy.

Deciphering which insurers offer the cheapest insurance rates for immigrants in Indiana calls for more work in order to find the most economical policy.

Each company has a proprietary method for setting prices, so we need to take a look at the insurance companies with the overall best prices in Indiana.

Best Cheap Insurance Rates for Migrants

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Rankings for the cheapest Indiana auto insurance companies
Rank Company Cost Per Year
1 Travelers $620
2 Cincinnati Insurance $658
3 USAA $687
4 Erie $705
5 Indiana Farmers Mutual $867
6 Western Reserve $872
7 The Hartford $881
8 Auto-Owners $915
9 Nationwide $930
10 State Farm $957
11 Motorists Mutual $986
12 Utica National $995
13 Hastings Mutual $1,003
14 Safeco $1,003
15 Farmers $1,033
16 Wolverine Mutual $1,072
17 State Auto $1,098
18 Westfield $1,105
19 Progressive $1,106
20 GEICO $1,122
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Travelers generally has some of the lowest car insurance rates in Indiana at around $620 each year. This is $620 less than the average price paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual would also be considered some of the cheaper Indiana car insurance companies.

In the rate table above, if you currently have a policy with USAA and switched to Travelers, you could earn a yearly price reduction of around $67. Drivers with Erie could save as much as $85 a year, and Indiana Farmers Mutual policyholders might realize rate reductions of up to $247 a year.

Bear in mind that those estimates are averaged for all drivers and vehicles and do not factor in a price discount for immigrants. So the company that is most affordable for your situation may not even be in the list above. That helps illustrate why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

One of the more important things that are used to help calculate the amount you pay each year for auto insurance is where you call home. Larger areas like Gary, Merrillville, and Lawrence tend to pay more, whereas areas with less congestion tend to receive cheaper rates.

The table below shows the highest-priced areas in Indiana for immigrants to purchase car insurance in.

Most expensive Indiana cities for auto insurance
Rank City Annual Premium
1 Gary $1,360
2 Hammond $1,327
3 Merrillville $1,106
4 Portage $1,093
5 Lawrence $1,088
6 Jeffersonville $1,080
7 Evansville $1,077
8 New Albany $1,070
9 Terre Haute $1,067
10 Indianapolis $1,050
11 Kokomo $1,011
12 Anderson $1,001
13 Bloomington $998
14 Columbus $984
15 Fishers $983
16 Fort Wayne $976
17 South Bend $976
18 Mishawaka $974
19 Elkhart $956
20 Muncie $955
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Premium amounts are comparative as specific location information can modify coverage prices substantially.

Ratings for Indiana insurance companies

Buying coverage from a highly-rated auto insurance provider can be a challenge considering how many companies provide coverage in Indiana. The ranking information shown next could help you pick which coverage providers you want to consider when shopping insurance around for immigrants.

These ratings include companies that insure vehicles nationwide, so companies without a large exposure will not be included in this list. If you wish to compare rates from these and other competitive companies, follow this link.

Top 10 Major Auto Insurance Companies 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

Top 10 Major Auto Insurance Companies in Indiana Ranked by Customer Satisfaction

  1. USAA - 92%
  2. Erie Insurance - 88%
  3. American Family - 88%
  4. State Farm - 88%
  5. Nationwide - 88%
  6. 21st Century - 88%
  7. AAA Insurance - 87%
  8. Liberty Mutual - 87%
  9. Farmers Insurance - 87%
  10. The Hartford - 87%

How accidents and tickets impact rates

The ideal way to score good insurance prices for foreigners is to drive attentively and not receive tickets or have accidents. The chart below shows how violations and at-fault accidents influence insurance rates for different categories of driver ages. The data assumes a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

In the previous example, the average cost of an auto insurance policy in Indiana per year with no accidents or violations is $1,008. Get written up for two speeding tickets and the average cost swells to $1,379, an increase of $371 each year. Now get one accident along with the two speeding tickets and the yearly cost of insurance for immigrants in Indiana jumps again to an average of $1,758. That's an increase of $750, or $63 per month, just for not driving safely!

The benefits of price comparisons

Indiana insurance rates are influenced by many factors which can substantially change the price of coverage. Getting older, buying a different home, or getting a ticket for running a stop sign can trigger price changes that may make certain companies cheaper than competitors.

Not only that, but insurers modify pricing as needed to adjust for unexpected claims or profits. An extended period of higher than normal claims can cause a rate increase, while lower claim expenses can cause lower-priced Indiana car insurance rates.

To illustrate this example, the bar chart below shows the cheapest car insurance in Indiana for a 30-year-old female driver with a clear driving record, no claims, and good financial standing. If we look at prices based on her current risk factors, Travelers may have the cheapest car insurance rates in Indiana at $620 each year. This is $620 less than the average policy premium paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual are also included in the cheapest Indiana auto insurance companies.

Now we will give the driver from the first example a claim surcharge, poor credit, and a speeding citation. Due to the fact that every auto insurer has a different process for setting rates, comparing rates may now show a completely different list of the cheapest companies as shown below.

The Hartford now has the cheapest insurance rate in Indiana with Auto-Owners, Nationwide, Cincinnati Insurance, and Motorists Mutual completing the list. This example demonstrates why consumers need to perform an extensive rate comparison when trying to find cheap auto insurance rates for immigrants. Insurance prices are impacted by many things and can increase or decrease at any time, so the most economical company a year ago may now be one of the more expensive options.