Best Cheap Auto Insurance for First-time Drivers in Indiana
You have probably watched the commercials from companies like The General and Farmers that guarantee dirt cheap rates, so you should just choose any of them, right?
It’s not quite that easy, unfortunately, as there are a whole bunch of unknown aspects like if you are a renter or homeowner, the number of years of driving experience you have, what your desired deductibles are, and your financial stability, that help determine the price you have to pay. This article will detail the different ways you can keep rates low and educate you enough to have a good start in finding the cheapest car insurance.
The cost and performance of the vehicle needing coverage is a significant factor when shopping for the best cheap car insurance for first-time drivers in Indiana. Vehicles with limited speed and performance, excellent safety ratings, or low incidents of liability claims will cost less to insure than fast, unsafe models. The next lists ranks coverage premiums for the most economical automobiles to buy insurance for.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Ford Focus SEL 4-Dr Sedan | $4,024 | $2,012 | $335 |
| Honda Accord LX 4-Dr Sedan | $3,224 | $1,612 | $269 |
| Hyundai Elantra SE 4-Dr Sedan | $4,060 | $2,030 | $338 |
| Hyundai Sonata SE 4-Dr Sedan | $4,350 | $2,175 | $363 |
| Kia Optima EX | $4,386 | $2,193 | $366 |
| Nissan Altima Hybrid 4-Dr Sedan | $4,096 | $2,048 | $341 |
| Toyota Camry XLE | $4,060 | $2,030 | $338 |
| Toyota Corolla S | $4,060 | $2,030 | $338 |
| Volkswagen Jetta SE 4-Dr Sedan | $4,096 | $2,048 | $341 |
| Get a Custom Quote for Your Car Go | |||
Premium data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can affect prices noticeably.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Cadillac Escalade Hybrid 4WD | $5,186 | $2,593 | $432 |
| Chevrolet Traverse LS 2WD | $3,260 | $1,630 | $272 |
| Ford Escape XLS 4WD | $3,224 | $1,612 | $269 |
| Ford Expedition SSV 4WD | $3,526 | $1,763 | $294 |
| Ford Explorer XLT 4WD | $3,598 | $1,799 | $300 |
| GMC Acadia SLE 2WD | $3,598 | $1,799 | $300 |
| Honda CR-V LX 4WD | $3,224 | $1,612 | $269 |
| Honda Pilot EX 4WD | $3,634 | $1,817 | $303 |
| Hyundai Tucson GLS 2WD | $3,562 | $1,781 | $297 |
| Jeep Grand Cherokee Limited 2WD | $4,096 | $2,048 | $341 |
| Subaru Forester X AWD | $3,526 | $1,763 | $294 |
| Toyota Highlander Sport 4WD | $3,864 | $1,932 | $322 |
| Toyota RAV4 Limited 4WD | $3,828 | $1,914 | $319 |
| Get a Custom Quote for Your SUV or Crossover Go | |||
Prices above based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in zip code location which can influence price quotes greatly.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Silverado 3500HD LT Crew Cab 4WD | $4,926 | $2,463 | $411 |
| Chevrolet Silverado LT Extended Cab 4WD | $3,828 | $1,914 | $319 |
| Dodge Ram Quad Cab SLT 2WD | $4,154 | $2,077 | $346 |
| Ford F-150 FX2 2WD | $3,864 | $1,932 | $322 |
| Ford F-250 XL Super Cab 4WD | $4,658 | $2,329 | $388 |
| GMC Canyon SLE Ext Cab Z71 2WD | $3,792 | $1,896 | $316 |
| GMC Sierra 3500HD SLT Crew Cab 2WD | $4,400 | $2,200 | $367 |
| GMC Sierra SLT Crew Cab 2WD | $4,096 | $2,048 | $341 |
| Toyota Tacoma Double Cab 4WD | $3,864 | $1,932 | $322 |
| Toyota Tundra Regular Cab 4WD | $4,154 | $2,077 | $346 |
| Get a Custom Quote for Your Truck Go | |||
Prices above based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in Indiana location which can change prices substantially.
Buying cost effective car insurance is not most people’s favorite thing to do, and deciding which companies quote the best car insurance rates for first-time drivers requires more quotes for comparison. Insurance rates may be much more than the average policy in Indiana, with the extra cost attributed to the potential for higher claims related to selling insurance for new drivers, but reasonable insurance may be possible if you carefully shop around. Every insurance company uses slightly different criteria for determining rates in each state, so let’s take a look at the most budget-friendly car insurance companies in Indiana.
We do need to point out that Indiana car insurance rates are determined by lots of factors which can significantly increase or decrease the cost of having a policy. This price variation is why consumers need to take the time to spend some time comparing rates to get the cheapest car insurance rates for first-time drivers. Prices are determined by many factors and can change substantially, so the most economical company the last time you checked may now cost much more than other companies.
Find the Cheapest Auto Insurance for Inexperienced Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $602 |
| 2 | USAA | $661 |
| 3 | Cincinnati Insurance | $664 |
| 4 | Erie | $726 |
| 5 | Western Reserve | $864 |
| 6 | Indiana Farmers Mutual | $875 |
| 7 | Auto-Owners | $879 |
| 8 | The Hartford | $889 |
| 9 | Nationwide | $940 |
| 10 | State Farm | $957 |
| 11 | Motorists Mutual | $966 |
| 12 | Hastings Mutual | $983 |
| 13 | Utica National | $985 |
| 14 | Safeco | $1,003 |
| 15 | Farmers | $1,033 |
| 16 | Westfield | $1,061 |
| 17 | GEICO | $1,100 |
| 18 | Wolverine Mutual | $1,105 |
| 19 | State Auto | $1,131 |
| 20 | Celina Insurance | $1,135 |
| Find Cheaper Rates Go | ||
Travelers has some of the best car insurance rates in Indiana at around $602 a year. USAA, Cincinnati Insurance, Erie, and Western Reserve also qualify as some of the best Indiana car insurance companies.
In this example, if you buy coverage from Erie and switched to Travelers, you could realize a yearly savings of in the neighborhood of $124. Customers with Western Reserve might save as much as $262 a year, and Indiana Farmers Mutual policyholders might lower prices by up to $273 a year.
Remember that these premium estimates are averages for all drivers and vehicles in Indiana and and are not calculated with a rate increase for first-time drivers. So the insurer that fits you best may not even be shown in the above list. That’s why you need to compare as many prices as possible using your own driver and vehicle profiles.
Finding a high-quality auto insurance company can be rather challenging considering how many choices you have in Indiana. The ranking information listed below could help you analyze which coverage providers you want to consider comparing price quotes from. The ratings below are only comprised of companies that insure vehicles nationwide, so companies that have a smaller presence will not be included in this list.
Top 10 Major Auto Insurance Companies Overall in Indiana
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
-
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