One of the many considerations that are used to help calculate car insurance rates is your zip code in Indiana. Cities with larger populations like Gary, Portage, and Jeffersonville will most likely pay more, whereas less populated areas tend to receive slightly lower rates.

The following table lists the most expensive cities in Indiana for low mileage drivers to purchase a policy in.

Most expensive Indiana cities for auto insurance
Rank City Annual Rate
1 Gary $1,388
2 Hammond $1,288
3 Portage $1,137
4 Merrillville $1,128
5 Jeffersonville $1,080
6 Terre Haute $1,077
7 New Albany $1,070
8 Indianapolis $1,060
9 Lawrence $1,055
10 Evansville $1,055
11 Kokomo $1,041
12 Anderson $1,041
13 Elkhart $995
14 Fishers $983
15 Greenwood $969
16 Muncie $965
17 Bloomington $958
18 Columbus $955
19 Fort Wayne $947
20 South Bend $947
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Annual rates are comparative as specific Indiana garaging address can change premium rates greatly.

The vehicle model needing coverage is probably the biggest factor when comparison shopping for affordable insurance for low mileage drivers. Vehicles with lots of speed or power, poor passenger safety features, or high incidents of liability claims will cost quite a bit more to insure than more modest models. The next list showcases coverage rates for the cheapest automobiles to buy coverage for.

Cheapest Vehicles to Insure for Low Mileage Drivers in Indiana
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V LX 2WD $474
Hyundai Elantra GLS Touring Station Wagon $516
Ford Escape Limited 2WD $529
Jeep Wrangler Rubicon 4WD 2-Dr $538
Ford Explorer Eddie Bauer 2WD $529
Ford Focus SE 4-Dr Sedan $549
Chevrolet Equinox LT AWD $559
Toyota Tacoma Double Cab 4WD $569
Ford Edge SE 2WD $575
Toyota Prius $583
Honda Civic VP 4-Dr Sedan $578
Chevrolet Impala LTZ $588
Nissan Altima 3.5 SR 4-Dr Sedan $600
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate information does not factor in zip code location which can impact price quotes substantially.

Based upon the rates shown, you can figure that makes and models like the Honda CR-V, Hyundai Elantra, and Ford Escape will definitely be a few of the most economical vehicles to insure for infrequent drivers.

Which car insurance company is best in Indiana?

Picking the best car insurance provider can be difficult considering how many different companies sell coverage in Indiana. The company information shown below may help you pick which car insurance companies you want to consider shopping your coverage with. The rankings below are only made up of companies that insure vehicles nationwide, so companies with more of a regional focus are not factored into this list.

Top 15 Car Insurance Companies for Low Mileage 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
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
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Data Source: Best Car Insurance Companies

The diagram below highlights how deductible choice can impact annual premium costs when getting quotes for cheap insurance for low mileage drivers in Indiana. The information is based on a married female driver, comp and collision included, and no discounts are applied.

The data above shows that a 50-year-old driver could lower rates by $232 a year by increasing from a $100 deductible up to a $500 deductible, or save $348 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could possibly save up to $566 annually by selecting a higher deductible.

When increasing deductibles, it will be important to have additional funds squirreled away to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

How to find economical car insurance for low mileage drivers in Indiana

The list below details many thrifty suggestions that can help drivers locate cheaper car insurance.

The last item on the list is notably crucial, as was noted in the article above. Insurance prices change frequently, so don't be unwilling to switch companies if a cheaper price is available.

We understand brand loyalty, but it's not a great idea if that dedication is costing big bucks every year. Now is a great time to shop around and find cheaper car insurance for low mileage drivers.