One of the more important criteria that are looked at to determine insurance cost is your zip code in Indiana. Regions with more people or even just more weather-related claims like Gary, Merrillville, and Evansville tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.

The next table rates the highest-priced areas in Indiana for state employees to buy auto insurance in.

How much is auto insurance in Indiana?
Rank City Annual Premium
1 Gary $1,347
2 Hammond $1,327
3 Merrillville $1,139
4 Portage $1,104
5 Evansville $1,087
6 Jeffersonville $1,080
7 Lawrence $1,066
8 Indianapolis $1,050
9 Terre Haute $1,045
10 Kokomo $1,041
11 New Albany $1,028
12 Anderson $1,011
13 Bloomington $988
14 Columbus $984
15 Fort Wayne $976
16 South Bend $976
17 Mishawaka $974
18 Greenwood $969
19 Noblesville $958
20 Elkhart $956
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Rate quotes are comparative as the specific garaging location can increase or decrease price quotes significantly.

The type of vehicle driven is probably the biggest factor that determines whether or not you can buy low-priced auto insurance for state employees. Vehicles with reasonable performance levels, good safety features, or a low likelihood of liability claims will cost significantly less to insure than fast, unsafe models. The table below ranks coverage rates for the cheapest vehicles to buy insurance for.

Cheapest Vehicles to Insure for State Employees in Indiana
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $554
Honda Accord EX-L 4-Dr Sedan $603
Dodge Grand Caravan CV $622
Honda CR-V LX 4WD $627
Volkswagen Jetta 2.0T Station Wagon $652
Chevrolet Impala LT $657
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $669
Toyota Prius $675
Honda Odyssey EX-L W/Rear Entertainment $694
Chevrolet Silverado LT Regular Cab 2WD $706
Toyota RAV4 Sport 2WD $721
Ford Edge SEL 2WD $726
Ford Explorer Limited 2WD $734
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $739
Chevrolet Equinox LS 2WD $741
Dodge Ram 3500 Crew Cab Laramie 2WD $758
Hyundai Elantra GLS 4-Dr Sedan $761
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rates do not factor in garaging location in Indiana which can influence insurance rates noticeably.

Based on these rates, models like the Ford Escape, Honda Accord, and Dodge Grand Caravan are most likely to be the more affordable vehicles to insure for state workers.

Deciding which insurers offer the cheapest car insurance rates for state employees in Indiana will require a bit more effort than just getting one or two price quotes.

Every car insurance company has a proprietary formula for filing rates in each state, so let's take a look at the lowest cost car insurance companies in Indiana.

Find the Cheapest Auto Insurance in Indiana

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Cheapest auto insurance in Indiana ranked by cost per year
Rank Company Cost Per Year
1 Travelers $602
2 USAA $667
3 Cincinnati Insurance $678
4 Erie $733
5 Western Reserve $838
6 The Hartford $863
7 Indiana Farmers Mutual $867
8 Auto-Owners $906
9 Utica National $956
10 State Farm $967
11 Nationwide $968
12 Motorists Mutual $986
13 Hastings Mutual $1,003
14 Safeco $1,003
15 Farmers $1,022
16 Westfield $1,094
17 Wolverine Mutual $1,105
18 State Auto $1,131
19 GEICO $1,133
20 Celina Insurance $1,135
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Travelers generally has some of the most affordable car insurance rates in Indiana at around $602 annually. USAA, Cincinnati Insurance, Erie, and Western Reserve also make the cut as some of the cheaper Indiana auto insurance companies.

In the above rates, if you are currently insured with USAA and switched to Travelers, you could see yearly savings of upwards of $65. Drivers with Cincinnati Insurance might save as much as $76 a year, and Erie policyholders might realize rate reductions of up to $131 a year.

Be aware that those prices are averaged for all types of drivers and the different vehicles they drive and and are not figured with a price decrease for state employees. So the auto insurance company that has the cheapest rates for you may not even be in the list above. That is why you need to get rate quotes from many companies using your own personal information and vehicle type.

Car insurance rates are higher with tickets and accidents

The common sense way to get the cheapest car insurance rates for state workers is to drive carefully and avoid getting tickets or having accidents. The illustration below highlights how speeding tickets and at-fault accidents drive up car insurance rates for each age group. The data assumes a single male driver, full coverage, $500 deductibles, and no discounts are applied.

The data above shows the average cost of car insurance in Indiana per year with no violations or accidents is $1,328. Get written up for one speeding ticket and the average cost surges to $1,497, an increase of $169 each year. Now get one accident along with the one speeding ticket and the yearly cost of car insurance for state employees in Indiana jumps again to an average of $1,964. That's an increase of $636, or $53 per month, just for not driving carefully!

Should you buy full coverage?

Finding cheaper car insurance should be important to most drivers, and one way to pay lower rates for insurance for state employees in Indiana is to not buy full coverage. The example below compares car insurance costs with full physical damage coverage compared to only buying liability only. The data is based on no claims, a clean driving record, $100 deductibles, drivers are not married, and no other discounts are factored in.

If we average all the age groups together, comprehensive and collision coverage on your policy costs an extra $2,160 per year more than carrying just liability coverage. Many drivers may wonder if full coverage is worth the money. There is no clear-cut rule for excluding physical damage insurance, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

How to find more affordable insurance for state employees in Indiana

The list below summarizes a few penny-pinching ideas that can help drivers get low-cost auto insurance.

The last suggestion is notably valuable, as we noted in the prior information. Auto insurance rates change constantly, so you should be ready to switch carriers if you find a cheaper price.

Staying with the same car insurance company is fine, but it's not a good idea if that devotion results in you overpaying a lot of money every month. It takes less than five minutes to shop around to find cheaper auto insurance for state employees.