Best Cheap Auto Insurance Quotes for Uninsured Drivers in Indiana

The words “economical” and “auto insurance” really shouldn’t be used in the same sentence, specifically when trying to find the cheapest auto insurance for uninsured drivers. Because of the high cost, let’s go over some of the things that can significantly affect insurance prices, and figure out some ideas to slash the price of the next policy you buy.

Finding out which company quotes the cheapest insurance rates for uninsured drivers requires a bit more work than just comparing a company or two.

Every insurance provider has their own guidelines for setting prices, so we will examine the most affordable insurance companies in Indiana. Keep in mind that Indiana insurance rates are based on many factors that control the policy price. Simply turning a year older, buying a home, or getting a speeding ticket may cause policy rate changes resulting in some companies being more affordable than competitors.

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Travelers generally has some of the most affordable car insurance rates in Indiana at around $602 per year. Cincinnati Insurance, USAA, Erie, and Western Reserve also qualify as some of the cheaper Indiana car insurance companies.

In the rate table above, if you currently have a policy with Western Reserve and switched to Cincinnati Insurance, you may see a yearly savings of roughly $174. Insureds with The Hartford may save as much as $191 a year, and Indiana Farmers Mutual insureds might cut rates by $211 a year.

These policy prices are averaged for all insureds and vehicles and and are not calculated with a price decrease for uninsured drivers. So the company that is best for you may not even be featured in the company chart above. That point stresses why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

When buying car insurance for drivers with no prior coverage, one of the key considerations that determine the price of your policy is your zip code in Indiana. Cities with larger populations or higher claim trends like Gary, Portage, and Indianapolis tend to have higher rates, whereas cities that are not as densely populated can boast about having cheaper rates.

The following table displays the priciest cities in Indiana for uninsured drivers to purchase auto insurance in.

Table data uses estimated as the specific Indiana residence address can influence coverage prices considerably.

The vehicle requiring insurance is one of the largest factors when shopping for the best cheap car insurance for uninsured drivers in Indiana. Vehicles with economical engines, advanced safety features, or a track record of few liability claims will cost less to insure than adrenaline junky models.

The next table features car insurance prices for a selection of the more afforable vehicles to insure.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Information does not factor in specific Indiana garaging location which can raise or lower insurance rates considerably.

Looking at the rates, vehicles like the Honda CR-V, Toyota Prius, Ford Explorer, Honda Accord, and Hyundai Santa Fe are going to be the more affordable vehicles to insure for drivers with no prior coverage.

Picking the top insurance company can be a challenge considering how many companies there are to choose from in Indiana. The company ratings shown below could help you decide which providers you want to consider when buying insurance for uninsured drivers.

The rankings below are only made up of the largest companies in America, so companies with more of a regional focus are not factored into these rankings. If you wish to compare prices and find cheaper insurance for uninsured drivers, click here.

Top 10 Large Auto Insurance Providers in Indiana Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. Erie Insurance
5. State Farm
6. Liberty Mutual
7. Safeco Insurance
8. Allstate
9. 21st Century
10. Travelers

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

When it comes to auto insurance for drivers with no prior coverage, four of the larger companies to compare rates for are Allstate, Geico, State Farm, and Progressive. The table below rates price and claims rank as well as some different options offered by each one.