Wouldn't it be nice if we could instantly tell you the one company that has the best rates for uninsured drivers? It's not that easy, however, as there are a whole bunch of unknown elements such as any driving violations you may have, if you are a homeowner, the area you live in, and when you were born. This article will detail these types of topics and hopefully give you enough understanding to have a good start in finding the cheapest car insurance in Indiana.

The vehicle that is being insured is one of the biggest factors when quoting low-priced coverage for uninsured drivers. Vehicles with average performance, modern passenger safety features, or low incidents of liability claims will cost significantly less to insure than high performance models. The table below presents car insurance premiums for some of the most economical vehicles to buy coverage for.

Cheapest Vehicles to Insure for Uninsured Drivers in Indiana
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V LX 2WD $554
Ford Escape XLT 2WD $608
Honda Accord LX 4-Dr Sedan $613
Toyota Prius $615
Jeep Wrangler Sahara 4WD 2-Dr $622
Ford Focus S 4-Dr Sedan $643
Chevrolet Impala LS $653
Toyota RAV4 Limited 4WD $657
Volkswagen Jetta S 4-Dr Sedan $662
Jeep Grand Cherokee Laredo 4WD $657
Ford Fusion S 4-Dr Sedan $665
Ford F-150 FX4 4WD $669
Honda Civic LX 4-Dr Sedan $680
Dodge Grand Caravan SE $682
Ford Edge SE 2WD $690
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in zip code location which can change price quotes noticeably.

Looking at the numbers, you can figure that models like the Honda CR-V, Ford Escape, Honda Accord, Toyota Prius, and Jeep Wrangler should be the most budget-friendly vehicles to insure for drivers with no prior coverage.

Locating low-cost insurance is not most people's favorite thing to do, and finding out which companies offer the cheapest auto insurance rates for uninsured drivers in Indiana may require even more diligence. Every auto insurer has their own guidelines to set premium rates, so let's begin by taking a look at the auto insurance companies with the overall cheapest rates in Indiana.

Cheap Insurance Rates in Indiana

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Rankings for the cheapest car insurance companies in Indiana
Rank Company Cost Per Year
1 Travelers $614
2 Cincinnati Insurance $664
3 USAA $687
4 Erie $705
5 Western Reserve $838
6 Indiana Farmers Mutual $841
7 The Hartford $855
8 Auto-Owners $888
9 Nationwide $940
10 Motorists Mutual $956
11 State Farm $957
12 Utica National $965
13 Hastings Mutual $973
14 Safeco $1,003
15 Westfield $1,061
16 Farmers $1,064
17 Wolverine Mutual $1,072
18 State Auto $1,087
19 GEICO $1,100
20 Progressive $1,106
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Travelers generally has some of the lowest car insurance rates in Indiana at around $614 per year. Cincinnati Insurance, USAA, Erie, and Western Reserve also rank well as some of the more affordable Indiana car insurance companies.

As depicted above, if you are currently insured with USAA and switched to Travelers, you could earn savings of in the vicinity of $73. Indiana drivers with Erie may save as much as $91 a year, and Western Reserve insureds might realize rate reductions of up to $224 a year.

To find cheaper insurance rates for your vehicle, click here to start a quote or visit several of the following companies.

Understand that those estimates are averages across all insureds and vehicles and are not factoring in a price discount for uninsured drivers. So the auto insurance company that fits your needs best may not even be in the list above. That is why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

Discount Indiana car insurance rates

Car insurance companies that offer quotes for uninsured drivers may have price discounts that can reduce rates by as much as 25% or more if you are eligible for them. Companies and a partial list of their discounts can be found below.

The information below shows the difference between car insurance rates with and without discounts applied to the premium. The premium estimates are based on a female driver, no violations or claims, Indiana state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple vehicle, safe-driver, homeowner, marriage, accident-free, and claim-free discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for uninsured drivers is 27% or $380.

Impact of careless driving on Indiana auto insurance rates

The common sense way to obtain the most affordable auto insurance rates in Indiana for drivers with no prior coverage is to drive carefully and avoid traffic citations and accidents. The information below highlights how traffic violations and at-fault claims drive up insurance rates for different age groups. The costs are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied.

The data charted above shows the average cost of auto insurance per year with a clean driving record and no accidents is $1,480. Add in one speeding ticket and the average cost hikes up to $1,666, an increase of $186 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of auto insurance for uninsured drivers in Indiana increases to an average of $3,277. That's an increase of $1,797, or $150 per month, just for not paying attention while driving!

Buying coverage from the best insurance company can be challenging considering how many different insurance companies sell coverage in Indiana. The company information in the lists below may help you analyze which insurers you want to consider buying from. These rankings are only made up of the largest companies in the United States, so smaller regional companies will not be included in the list.

Best Ten Auto Insurance Companies for Uninsured Drivers in Indiana
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
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Data Source: Insure.com Best Car Insurance Companies