Who Has Cheap Auto Insurance Quotes for Good Drivers in Indiana?

When shopping for car insurance for safe drivers, one of the many factors that car insurance companies use to determine the annual cost of car insurance is where your home is located in Indiana. Regions with more people or even just more weather-related claims like Gary, Portage, and Merrillville will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower coverage costs.

The table below displays the most expensive areas in Indiana for good drivers to purchase a policy in.

Prices are comparative as zip code location can modify premium rates considerably.

The type of vehicle you are seeking coverage for is a significant factor when comparison shopping for cheap auto insurance for good drivers in Indiana. Vehicles with higher performance characteristics, a lack of safety features, or a history of substantial liability claims will cost significantly more to insure than safer models.

The list below outlines insurance costs for some of the more afforable vehicles to insure.

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can affect insurance rates significantly.

Looking at the numbers, you can figure that makes and models like the Dodge Grand Caravan, Ford Explorer, Ford F-150, and Honda CR-V are most likely to be the more affordable vehicles to insure for safe drivers.

Determining which companies quote the cheapest car insurance rates for good drivers takes a bit more effort in order to find a policy that fits your budget. Each auto insurer has a proprietary formula for determining rates in each state, so to begin we’ll rank the car insurance companies with the overall cheapest rates in Indiana.

It’s important to understand that Indiana car insurance rates are determined by lots of factors that may substantially change the policy price. Simply having a birthday, buying a different home, or getting a reckless driving citation may generate price changes that may make certain companies much cheaper than others.

Best Cheap Insurance Rates for Good Drivers

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Travelers offers some of the best car insurance rates in Indiana at around $596 a 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 currently have coverage with USAA and switched to Travelers, you might see an annual savings of in the neighborhood of $71. Policyholders with Erie might save as much as $130 a year, and Western Reserve customers might lower prices by up to $268 a year.

If you want to find out if you’re overpaying, click here to start your custom quote or visit several of the following companies.

These rates are averages for all drivers and vehicles and and are not figured with a price decrease for good drivers. So the auto insurance company that fits your age and vehicle best may not even be shown in the list of companies shown earlier. That underscores the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

Get discount Indiana car insurance rates

Car insurance companies that sell cheap auto insurance for good drivers in Indiana may additionally offer price discounts that could reduce prices by 35% or more if you are eligible to receive them. Popular car insurance companies and some of the premium reductions they offer can be read below.

The illustration below illustrates the difference between insurance costs with and without discounts applied to the policy rates. The costs are based on a male driver, no claims or driving citations, Indiana state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with vehicle safety, safe-driver, claim-free, multiple policy, defensive driving course, and marriage discounts applied. When drivers qualify for the discounts, the the average yearly reduction on car insurance for good drivers is % or $.

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State Farm, Geico, Allstate, and Progressive: Who is best?

When comparing auto insurance for safe drivers, the first places to look would be State Farm, Geico, Allstate, and Progressive. If you add them together, they insure over 45% of the car insurance market in the United States. The data below shows some of the different options and features that are available for policyholders.