Everyone has different tastes in autos, and the style of vehicle needing coverage is probably the most important factor that determines whether or not you find the most affordable car insurance for drivers under 25. Vehicles with higher performance, poor safety ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than safer, lower-performance models.
The tables below estimates insurance rates for some of the cheapest vehicles to insure.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu LS | $2,298 | $1,149 | $192 |
Ford Focus SE 2-Dr Coupe | $2,606 | $1,303 | $217 |
Ford Fusion Sport 4-Dr Sedan | $2,496 | $1,248 | $208 |
Honda Civic DX 4-Dr Sedan | $2,264 | $1,132 | $189 |
Hyundai Elantra SE 4-Dr Sedan | $2,462 | $1,231 | $205 |
Hyundai Sonata Limited 4-Dr Sedan | $2,640 | $1,320 | $220 |
Kia Optima LX | $2,442 | $1,221 | $204 |
Toyota Corolla XRS | $2,496 | $1,248 | $208 |
Volkswagen Jetta SE 2.5 Station Wagon | $2,328 | $1,164 | $194 |
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Prices above based on single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can influence premiums substantially.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
BMW X5 3.5D AWD | $2,726 | $1,363 | $227 |
Buick Enclave XL 2WD | $2,496 | $1,248 | $208 |
Cadillac Escalade Hybrid Platinum 4WD | $3,428 | $1,714 | $286 |
Chevrolet Traverse LT 2WD | $2,002 | $1,001 | $167 |
Ford Escape Limited 4WD | $2,130 | $1,065 | $178 |
Ford Explorer XLT AWD | $2,136 | $1,068 | $178 |
GMC Acadia SL AWD | $2,136 | $1,068 | $178 |
Honda CR-V EX-L 2WD | $1,968 | $984 | $164 |
Honda Pilot Touring 4WD | $2,332 | $1,166 | $194 |
Jeep Grand Cherokee Limited 2WD | $2,496 | $1,248 | $208 |
Jeep Wrangler Sport Islander Package 4WD 2-Dr | $2,102 | $1,051 | $175 |
Nissan Pathfinder SE 4WD | $2,136 | $1,068 | $178 |
Toyota 4Runner Sport 2WD | $2,002 | $1,001 | $167 |
Toyota Highlander Sport 4WD | $2,332 | $1,166 | $194 |
Toyota RAV4 Limited 4WD | $2,298 | $1,149 | $192 |
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Prices based on single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in Indiana location which can lower or raise rates significantly.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Colorado LT Extended Cab 2WD | $2,264 | $1,132 | $189 |
Chevrolet Silverado LTZ Extended Cab 2WD | $2,640 | $1,320 | $220 |
Dodge Ram 2500 Mega Cab SLT 2WD | $2,838 | $1,419 | $237 |
Dodge Ram 3500 Mega Cab SLT 4WD | $3,448 | $1,724 | $287 |
Dodge Ram Crew Cab ST 4WD | $2,476 | $1,238 | $206 |
Ford F-150 Lariat King Ranch 2WD | $2,496 | $1,248 | $208 |
GMC Canyon SLE Ext Cab Z71 4WD | $2,298 | $1,149 | $192 |
GMC Sierra 2500HD SLT Extended Cab 2WD | $2,804 | $1,402 | $234 |
GMC Sierra Denali Crew Cab 2WD | $2,694 | $1,347 | $225 |
Toyota Tundra SR/5 Double Cab 4WD | $2,476 | $1,238 | $206 |
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Data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in vehicle location which can raise or lower rates noticeably.
Comparing quotes for cost effective auto insurance is not the easiest thing to do, and figuring out which companies quote the best car insurance rates for drivers under 25 takes a bit more work. Insurance premiums may be somewhat more than the average price in Indiana, with the increase attributed to the potential for higher claims that comes with selling coverage for drivers age 25 and younger, but economical insurance may be achievable if you find the right company. Each auto insurance company has a unique formula to determine premium rates, so let’s take a look at the most competitive car insurance companies in Indiana.
Best Car Insurance Prices for Young Drivers
Rank | Company | Cost Per Year |
---|---|---|
1 | Travelers | $602 |
2 | Cincinnati Insurance | $678 |
3 | USAA | $687 |
4 | Erie | $712 |
5 | Western Reserve | $838 |
6 | The Hartford | $855 |
7 | Indiana Farmers Mutual | $867 |
8 | Auto-Owners | $879 |
9 | Nationwide | $930 |
10 | Motorists Mutual | $986 |
11 | Utica National | $995 |
12 | State Farm | $997 |
13 | Hastings Mutual | $1,003 |
14 | Safeco | $1,013 |
15 | Farmers | $1,053 |
16 | Westfield | $1,072 |
17 | State Auto | $1,087 |
18 | GEICO | $1,100 |
19 | Wolverine Mutual | $1,105 |
20 | Progressive | $1,128 |
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Travelers normally has some of the lowest car insurance rates in Indiana at around $602 per year. Cincinnati Insurance, USAA, Erie, and Western Reserve also are some of the lowest-priced Indiana auto insurance companies.
In the rate table above, if you currently have a policy with Cincinnati Insurance and switched to Travelers, you might achieve a yearly price reduction of about $76. Indiana drivers with USAA might save as much as $85 a year, and Erie insureds might see rate reductions of $110 a year.
Bear in mind that those rates are averaged across all ages of drivers and types of vehicles and are not factoring in a rate surcharge for drivers under 25. So the company that can offer you the lowest price may not even be included in the list above. That’s why you need to get quotes using your own specific driver information and vehicle.
When comparing auto insurance for drivers age 25 and younger in Indiana, the most popular companies are Progressive, Allstate, State Farm, and Geico. The table below compares price, claims, and customer service ratings, as well as some optional coverages that may be available in your state.
Progressive | Allstate | State Farm | Geico | |
---|---|---|---|---|
Client Satisfaction | 3rd | 2nd | 4th | 1st |
Discounts Available | 4th | 1st | 3rd | 2nd |
Claims Rank | 4th | 1st | 2nd | 3rd |
Policy Cost | 3rd | 4th | 2nd | 1st |
Amount of market share | 8.8% | 10% | 18.3% | 11.4% |
Percent of customers who recommend | 88% | 86% | 88% | 87% |
Rating from A.M. Best | A+ | A+ | A++ | A++ |
Standard & Poor’s rating | AA | AA- | AA | AA+ |
Accident forgiveness coverage | Yes | Yes | No | Yes |
Usage-based insurance | Yes | Yes | Yes | No |
Rideshare coverage | Yes | Yes | Yes | Yes |
New car replacement insurance | No | Yes | No | No |
Emergency roadside service | Yes | Yes | Yes | Yes |
Mechnical breakdown | Yes | No | No | Yes |
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