Cheap Insurance for Drivers with Good Credit in Indiana

Figuring out which company offers the lowest-priced auto insurance rates for drivers with good credit will involve a tad more effort than just getting one or two price quotes.

Every insurance provider uses their own formula to set their prices, so let’s take a look at the most affordable auto insurance companies in Indiana. It’s important to know that Indiana auto insurance rates are calculated based on many things that may substantially change the cost of coverage. Improving your credit rating, moving to a different location, or getting a driving violation can cause premium changes resulting in some companies being cheaper than before.

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Travelers normally has some of the cheapest car insurance rates in Indiana at around $602 annually. Cincinnati Insurance, USAA, Erie, and Western Reserve also rank well as some of the lowest-priced Indiana insurance companies.

As depicted above, if you are currently insured with Western Reserve and switched to Cincinnati Insurance, you may see an annual savings of around $206. Insureds with Indiana Farmers Mutual could save as much as $217 a year, and Auto-Owners customers might realize rate reductions of up to $230 a year.

These estimates are averages across all drivers and vehicles and are not factoring in a rate discount for drivers with good credit. So the company that is best for you may not even be included in the rate chart shown above. That illustrates why you need to get car insurance quotes using your own specific driver and vehicle information.

One of the more important factors that is looked at to help calculate the price you pay for insurance is where you live. Regions with larger populations or more claims like Gary, Merrillville, and Portage will most likely have higher rates, whereas more rural areas can boast about having cheaper rates.

The illustration below sorts the most expensive areas in Indiana for drivers with good credit to buy auto insurance in.

Annual rates are estimated as zip code location can increase or decrease premiums significantly.

The cost and performance of the vehicle you are seeking coverage for is probably the largest consideration that determines whether or not you find the lowest-priced coverage for drivers with good credit. Vehicles with higher performance characteristics, poor passenger safety features, or a high likelihood of having liability claims will cost much more to insure than safer models. The tables below estimates insurance premiums for the most economical vehicles to buy coverage for.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in vehicle location which can influence auto insurance rates substantially.

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in vehicle garaging location which can raise or lower coverage prices considerably.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Table data does not factor in Indiana location which can influence rates substantially.

State Farm vs Geico vs Allstate vs Progressive

When comparing car insurance for financially responsible drivers in Indiana, four of the best places to start are State Farm, Geico, Allstate, and Progressive. The data below ranks some of the different options that are available.