Cheapest Auto Insurance for Active Military in Indiana

One of the many considerations that is used by auto insurance companies to calculate the annual cost of car insurance is your address. Cities with larger populations like Gary, Merrillville, and Evansville likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates generally pay less for auto insurance.

The information below lists the most expensive areas in Indiana for active military to buy an auto insurance policy in.

Rate information is approximated as zip code location can decrease or increase prices greatly.

Trying to find reasonably-priced auto insurance is hard enough, and deciding which companies quote the cheapest car insurance rates for active military may require a little more work. Insurance premiums will be somewhat better than the average price in Indiana attributed to the potentially lower risk that goes along with offering insurance for military personnel. Cost-effective coverage should be attainable from many providers.
Every insurance company has their own formula for filing rates in each state, so let’s take a look at the car insurance companies that tend to be cheaper in Indiana.

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Travelers generally has some of the best car insurance rates in Indiana at around $602 each year. USAA, Cincinnati Insurance, Erie, and Indiana Farmers Mutual would also make the list of some of the best Indiana car insurance companies.

As the example above demonstrates, if you are insured with Erie and switched to Travelers, you could see annual savings of approxmiately $131. Insureds with Indiana Farmers Mutual could save as much as $239 a year, and Western Reserve customers might lower prices by up to $262 a year.

Be aware that those estimates are averaged across all types of insureds and vehicles and are not factoring in a rate decrease for active military. So the auto insurance company that has the cheapest price for you may not even be included in the company chart above. That helps illustrate why you need to compare as many prices as possible using your own driver and vehicle profiles.

The car, truck, or SUV needing coverage is a large factor when comparing the cheapest car insurance for active military in Indiana. Vehicles with reasonable performance levels, modern passenger safety features, or low incidents of liability claims will cost quite a bit less to insure than adrenaline junky models. The data below illustrates coverage premiums for the more afforable automobiles to insure.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in vehicle garaging location which can alter rates considerably.

Looking at the numbers, you can figure that models like the Honda CR-V, Hyundai Elantra, Hyundai Tucson, Subaru Forester, and Ford Edge are most likely to be the cheapest vehicles to insure for military personnel.

Discounts on the cheapest car insurance for active military in Indiana

Insurers that sell policies for active military could also offer premium discounts that can lower rates by as much as 30% if you are eligible to receive them. Large car insurance companies and the discounts they provide can be found below.

• State Farm offers discounts for safe vehicle, good student, good driver, multiple policy, and Drive Safe & Save.
• American Family may offer discounts for TimeAway discount, air bags, Steer into Savings, bundled insurance, good student, and early bird.
• GEICO has discounts for air bags, federal employee, anti-lock brakes, five-year accident-free, and multi-vehicle.
• 21st Century discounts include student driver, good student, air bags, 55 and older, defensive driver, and anti-lock brakes.
• Progressive offers premium reductions for homeowner, continuous coverage, multi-policy, multi-vehicle, and good student.

The chart below visualizes the comparison of insurance premiums with and without discounts applied to the policy premium. The premiums assume a female driver, no claims or violations, Indiana state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with safe-driver, marriage, multiple policy, homeowner, defensive driving course, and accident-free discounts applied. When drivers take advantage of discounts, the the average yearly reduction on car insurance for active military is 27% or $380.

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Is the best company Progressive, State Farm, Allstate, or Geico?

If you are looking for the best auto insurance for military personnel in Indiana, four companies you’ll want quotes from are Progressive, State Farm, Allstate, and Geico. The table below shows some of the different features that are available for policyholders.

How to find the cheapest car insurance for active military in Indiana

Here are some thrifty suggestions that can help you quote the cheapest coverage.

• Buying home and auto insurance together can earn discounts
• Clean up your credit
• The safer your car, the less it costs to insure
• Increase your policy deductibles
• Do not waste money insuring older vehicles for full coverage
• Don’t have frequent claims
• Compare rate quotes frequently

The last tip is extremely necessary, as we noted in this piece. Insurance rates can be changed at any time, so don’t be tentative to buy from a new company if a better rate can be found.

We understand brand loyalty, but is isn’t recommended if your bullheadedness ends up costing you money that could be going to better use. In just a few minutes you could compare rates to find cheaper auto insurance for active military.