Actual Yearly Savings
  • John
  • $564
  • Jul 24, 2017
  • Chet narayan
  • $200
  • Jul 6, 2017
  • Amber
  • $3600
  • Jun 27, 2017
  • Damaso
  • $1200
  • Jun 5, 2017
  • Samantha
  • $180
  • May 20, 2017
  • Omar
  • $2400
  • May 12, 2017
  • Jonathan
  • $1920
  • Apr 10, 2017
  • Ricky
  • $540
  • Mar 11, 2017
  • Yesebia
  • $1200
  • Mar 7, 2017
  • Walter
  • $840
  • Feb 23, 2017
  • Brittany stitch
  • $1800
  • Feb 18, 2017
  • Simon boadi
  • $1440
  • Feb 6, 2017
  • Joshua
  • $1560
  • Jan 18, 2017
  • Vanessa
  • $1404
  • Jan 6, 2017
  • Daniel
  • $600
  • Jan 1, 2017
  • Ariwah
  • $204
  • Dec 30, 2016
  • Aaron
  • $1200
  • Dec 30, 2016
  • Richard
  • $600
  • Dec 29, 2016
  • Jenaye
  • $1800
  • Dec 28, 2016
  • Gerals
  • $3600
  • Dec 27, 2016
  • Boris
  • $600
  • Dec 24, 2016
  • Ahmed
  • $100
  • Dec 18, 2016
  • Patrick
  • $600
  • Dec 17, 2016
  • Matthew gilmore
  • $300
  • Dec 12, 2016
  • Michael desmond
  • $3600
  • Dec 9, 2016
  • Ganesan
  • $100
  • Dec 9, 2016
  • Mamacita
  • $100
  • Dec 8, 2016
  • Nwaigwe
  • $1125
  • Nov 28, 2016
  • Atif ur rehman
  • $360
  • Nov 23, 2016
  • Zack
  • $1920
  • Nov 8, 2016
  • Brandon
  • $1800
  • Oct 2, 2016
  • Alex
  • $198
  • Aug 10, 2016
  • Kylah
  • $2400
  • May 2, 2016
  • Linda
  • $1200
  • Jul 4, 2015
  • Desi
  • $1200
  • Jun 22, 2015
  • Crystal
  • $300
  • Jun 22, 2015
  • Amer
  • $480
  • Jun 5, 2015
  • Jasmine
  • $2400
  • Jun 4, 2015
  • Ted
  • $120
  • May 15, 2015
  • Jeremiah
  • $1200
  • May 13, 2015
  • Cody
  • $1200
  • Apr 28, 2015
  • Arthur
  • $1500
  • Mar 19, 2015
  • Michael
  • $800
  • Mar 4, 2015
  • Babiisasha
  • $910
  • Mar 2, 2015
  • Alex
  • $516
  • Mar 2, 2015
  • Tushar
  • $2400
  • Feb 28, 2015
  • Tim
  • $300
  • Feb 28, 2015
  • Kristina
  • $1200
  • Feb 21, 2015
  • Santos
  • $1000
  • Jan 30, 2015
  • Janine
  • $1200
  • Jan 21, 2015

The Cheap Car Insurance Commitment

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Now it’s easier than ever to search and shop for cheap auto insurance quotes.

Furthermore, we know our customers want the right amount of coverage to help keep their family safe on the road. That’s why we emphasize on red tape removal and streamline processes to help find cheap full coverage car insurance rates and the cheapest insurance companies for our customers.

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"After being with my insurance company for just shy of 10 years, and after having shopped


at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

- Jared

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Cheapest Car Insurance in Indiana (IN)

Indiana, the 19th state, is home to world-class sports events such as the Indianapolis 500, the 400 Brickyard, Formula One, the RCA Tennis Championships, NFL, NBA and NHL teams. Needless to say, Indiana residents and tourists can always find something to do. Sometimes known as “The Crossroads of America”, Indiana’s waterways, train stations and railroads are some of the best in the U.S. Drivers can find attractions year-round across the state, and wants to make sure those drivers are safe and protected. This list of information is here to do just that.


Best Cheap Car Insurance Quotes for Indiana

Marion County Car Insurance

With nearly a million inhabitants, Indiana's most populated county has more people than six states. Its county seat and the state capital, Indianapolis, has been consolidated with the county. This city-county partnership is known as "Unigov" since 1970.

Home of the Indianapolis Motor Speedway, the county seat is a major city for racing sports, hosting the Indianapolis 500 each Memorial Day weekend. This is the world's largest single-day sporting event. Hundreds of racing-related companies have set up headquarters in Indianapolis. Nearly half a million square feet, the Indianapolis Children's Museum is the largest museum of its kind in the world, and the top rated in the U.S., drawing more than a million visitors per year.

County Sedan Suv Coupe Truck Hybrid

Lake County Car Insurance

Located on the shore of Lake Michigan, Lake County is Illinois' second largest, with a mix of rural and urban areas within driving distance of Chicago. The county seat is Crown Point, home to about 28,000, and its larger and more well-known cities are Gary and Hammond, each with about 81,000 residents.

The subject of the catchy song from "The Music Man," "Gary, Indiana" is the birthplace of singer Michael Jackson. His childhood home remains on what is now Jackson Street. Before the King of Pop, Gary was known for steel. The town was established in 1906 as a site for U.S. Steel's new plant, and named after company Chairman Elbert Henry Gary.

County Sedan Suv Coupe Truck Hybrid

Allen County Car Insurance

Within 200 miles of nine major cities, Allen County is located in northeast Indiana on the Ohio state line. Its seat and largest city is Fort Wayne, home to an estimated 260,000. The city began as a fort occupied by the U.S. army beginning in 1794. It was named for Gen. Anthony Wayne, who had been victorious at the Battle of the Fallen Timbers, fought for control of the Northwest Territory.

"Historic Fort Wayne" is a replica of the 1815 fortification, hosting tours for the public and historical reenactments during the year. The History Center, housed in its Old City Hall, has a collection of more than 23,000 regional artifacts. Fort Wayne also has a Children's Museum, cultural district and zoo.

County Sedan Suv Coupe Truck Hybrid

Hamilton County Car Insurance

Due north of Indianapolis, Hamilton County is Indiana's fastest growing. While the north end of the county today retains is agricultural roots, the southern end has experienced commercial and residential development, a direct impact of growing Indianapolis.

Noblesville, the county seat, is home to an estimated 52,000 and the Indiana Transportation Museum. Its central showpiece is the historic Hamilton County Courthouse, built in 1879. Carmel, the largest city, is only 15 miles from Indianapolis. Its Arts and Design District is a popular draw for shoppers and visitors. In nearby Fishers, Connor Prairie is an indoor-outdoor museum with interactive exhibits focused on both history and science on 800 acres.

County Sedan Suv Coupe Truck Hybrid

St. Joseph County Car Insurance

Roughly halfway between Indianapolis and Grand Rapids via Highway 31, St. Joseph County was named for the river that flows through it toward Lake Michigan. Sometimes called "St. Joe" by its residents, it is home to about 267,000 residents as well as the University of Notre Dame, a private research university founded in 1842.

The county seat, South Bend, hosts several music festivals per year, most notably the South Bend International Festival, which benefits hospitals in Malawi. The city is also home to the Studebaker National Museum, featuring 150 years of vehicles produced by the Studebaker Corp. such as famous presidential carriages. The East Race Waterway is the first artificial whitewater center for competitive canoeing, kayaking, rafting and racing in North America.

County Sedan Suv Coupe Truck Hybrid
St. Joseph$596.00$535.00$659.00$593.00$689.00

Elkhart County Car Insurance

Home to an estimated 198,000, Elkhart County is situated on the St. Joseph River. Since its economy is based in recreational vehicle manufacturing, it is known as the RV Capital of the World. Its county seat is Goshen, where the local Wal-mart is reportedly the first in the U.S. to offer a covered stable for its frequent Amish customers.

Tourism boosts the county's economy, with Das Dutchman Essenhaus located in the Township of Middlebury, and the historic farmstead, Amish Acres, in the City of Nappanee. The annual Elkhart County 4-H Fair is the second largest in the nation. Also drawing visitors is the Amish Acres Arts and Crafts Festival and the Elkhart Jazz Festival.

County Sedan Suv Coupe Truck Hybrid

Vanderburgh County Car Insurance

Two hours east of Louisville, Ky. on Interstate 64, Vanderburgh County encompasses the City of Evansville in southwest Indiana. The county's southern border meanders along the Ohio River, and Evansville, also known as "Crescent Valley" or "River City," is situated on an oxbow. Its diversified economy includes tourism, with Tropicana Evansville being the state's first casino.

Evansville is also home to one of the largest and oldest zoos in the state Mesker Park Zoo, opened in 1928. Angel Mounds State Historic Site has been described as one of the best preserved Native American sites in the nation. The home used in the opening shots of the TV sitcom "Roseanne" still stands on South Runnymede Avenue in Evansville.

County Sedan Suv Coupe Truck Hybrid

Tippecanoe County Car Insurance

The home of Purdue University, Tippecanoe County includes Lafayette, the county seat, and West Lafayette. The tiny town of Battle Ground, home of roughly 1,400, is the site of the famous Battle of Tippecanoe, fought on Nov. 7, 1811. It was there that Gov. William Henry Harrison earned the nickname of Tippecanoe, a moniker used in his 1840 campaign jingle.

Made of Indiana limestone, the Tippecanoe County Courthouse was constructed in 1884 at a cost of $500,000, the most expensive ever built in the state at the time. Featuring a dome topped with a 14-foot statue, the courthouse is protected by concrete barriers after a truck full of gasoline and explosives was purposely crashed into the historic building in 1998.

County Sedan Suv Coupe Truck Hybrid

Porter County Car Insurance

Extending south from the shore of Lake Michigan, Porter County lies about an hour's drive from Chicago. It is the site of the Indiana Dunes, formed by winds coming off Lake Michigan. The county seat, Valparaiso, is home to about 35,000.

Porter County's largest community is Portage, a largely industrial city with a sprinkling of farms. Indiana Dunes State Park is a popular destination offering hiking, birdwatching, camping and swimming and sunbathing on a portion of the shoreline in the summers. On clear days, the Chicago skyline can be visible from 35 miles away over Lake Michigan.

County Sedan Suv Coupe Truck Hybrid

Hendricks County Car Insurance

Due west of Indianapolis, Danville County is Indiana's fastest growing. Named for Indiana Gov. William Hendricks, it is home to an estimated 146,000. The county seat is the small town of Danville, and largest community is Plainfield, a town of about 28,000.

Hendricks County is very much a part of the Indianapolis motor sports scene, home to the world's largest annual drag race, the Lucas Oil Raceway, and headquarters for many racing teams. In the town of Avon, the high school marching band has been ranked as No. 1 in the state, and from 2008 to 2010 was named best high school marching band in the country in the Bands of American Grand Nationals.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
St. Joseph$596.00$535.00$659.00$593.00$689.00
Whitley$586.00$495.00$657.00$549.00$678.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums reports that the state’s auto insurance premiums have been consistently below the national average, and reflect the national average cycles accurately.

Drunk Driving Fatalities

Consistently below the rest of the states in drunk driving fatalities, The National Highway Traffic Safety Administration reports Indiana’s recent increase has still left it well below the national average.

Teen Drinking and Driving

Indiana’s teens do not drink in drive on average as much as the teens across the rest of the nation. The Center for Disease Control indicates that Indiana’s average is well below the national average.

Vehicular Theft in Indiana

Showing a noticeable decline, Indiana’s vehicle thefts continue to drop below the national average. The FBI reports the state’s vehicle thefts to be 209 in 2012, down from 227 in 2011. After an increase in 2013, statistics are back down again. The national average, meanwhile, has experienced a sharp drop.

Cheap Car Insurance understands you work hard for your money so, why spend more on your auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!


With so many professional sports venues, Indiana knows the importance of safety when on the field. The same goes for safety on the road. The following information brings all the necessary points of interest regarding Indiana’s car insurance into one place for the convenience of the driver.

Minimum Requirements for Car Insurance in Indiana

  • Indiana’s Department of Insurance states that Indiana law requires liability coverage on all vehicles. Uninsured/underinsured motorist coverage may be refused in writing.
  • Liability Coverage minimums:
    • $25,000 per single bodily injury or death.
    • $50,000 per multiple bodily injury or deaths.
    • $10,000 for property damage.

New Driver Licensing Requirements

  • Indiana requires all drivers to obtain a state drivers license within 60 days of residency. New drivers and drivers with no out of state license must first apply for a learner’s permit to enable the applicant to learn to drive. To obtain a learner’s permit, an applicant must:
    • Be at least 15 years old
    • Complete an approved driver education course
    • Pass the vision and knowledge tests
    • Log 50 hours of drive time including 10 hours of nighttime driving
    • If under 18 years of age, the applicant must provide an Agreement of Financial Responsibility.
  • A probationary license is a regular driver’s license issued to drivers under the age of 18. The license can be amended to remove the probationary restriction upon the driver’s 18th birthday. Probationary licenses hold the following restrictions:
    • All occupants in the vehicle must wear a seat belt
    • For the first 180 days, no passengers may be present unless accompanied by a licensed driver age 25 or older. This individual must be seated in the front adjacent to the driver
    • Cell phone use is strictly prohibited
    • The driver may not drive between the hours of 10 pm and 5 am for the first 180 days after being issued the license
    • After the first 180 days, the driver may not drive during the following times:
      • Sunday through Thursday after 11 pm
      • Monday through Friday before 5 am
      • Saturday and Sunday between 1 am and 5 am
    • The following conditions allow the driver to drive in the times listed above only when:
      • Accompanied by a licensed driver age 25 or older
      • Going to work, religious event or school
  • Vision Exam. Applicants must pass the exam with a visual acuity of at least 20/40 to obtain a license with no restrictions. Indiana provides multiple restrictions to allow drivers with varying eyesight driving privileges. For further information regarding vision restrictions, refer to the Indiana Driver’s Manual.
  • Knowledge Test. Consisting of multiple choice questions, the knowledge requires the applicant to demonstrate understanding of traffic signs, signals and regulations. Information included on the exam can be found in the Indiana Driver’s Manual.
  • Road Skills Test. Applicants taking the road skills test must provide a vehicle that is properly registered, insured, licensed and maintained. A licensed driver must drive the vehicle to and from the testing site.
  • The applicant’s skills will be tested in the following areas:
    • Driving in the proper lane
    • Following distance
    • Being overtaken and/or passed by another vehicle
    • Speed control
    • Demonstrate defensive driving techniques
    • Follow instructions and observing general traffic flow
    • Intersection approach
    • Backing the vehicle
    • Parallel parking
  • If the driver fails the skills test, he/she must wait 14 days to re-take the test. If, while holding a learner’s permit, the driver fails 3 attempts, the driver must wait 30 days to re-test.
  • Fees. The Indiana Bureau of Motor Vehicle’s Fee Chart lists the following fees for Indiana drivers licenses:
    • Probationary license, 4 years, $14.50
    • Regular drivers license for applicants under 75 years of age:
      • 4-year, $14.50
      • 5-year, $16
      • 6-year, $17.50
    • A regular drivers license for applicants ages 75 to 85 is valid for 3 years and holds an $11 fee
    • A regular drivers license for applicants over the age of 85 is valid for 2 years and holds a $7 fee


  • BAC limit: .08 Indiana law has implemented a mandatory imprisonment sentence on all Operating While under the Influence (OWI) offense. The Indiana Bureau of Motor Vehicles has provided additional information on its website. The following is a list of the state’s penalties for DUI convictions:
  • First Offense:
    • Minimum 60 days and maximum 1 year imprisonment
    • Minimum $500 and maximum $5,000 fine
    • License suspension of maximum 2 years
    • When involving under age passengers and/or injury collision, additional penalties are required
  • Second Offense:
    • Minimum 5 days and maximum 3 years imprisonment
    • $10,000 fine
    • License suspension of minimum 180 days to maximum 2 years
    • When involving under age passengers and/or injury collision, additional penalties are required
  • Third Offense:
    • Minimum 10 days and maximum 3 years imprisonment
    • $10,000 fine
    • License suspension of minimum 1 year and maximum 10 years
    • Ignition Interlock Device may be implemented
    • When involving under age passengers and/or injury collision, additional penalties are required

Increased fines, extended imprisonment and permanent loss of driving penalties occur for additional offenses.

Texting & Driving Laws reports that novice drivers in Indiana are prohibited from any cell phone use while driving. Texting is also banned for all drivers.

Unique Laws

Many laws almost seem inexplicable, and Indiana has just a few of those on its books. One law that must have made sense at one time or another is the prohibition of eating watermelon in a city park. Of course, one that makes perfect sense would be the town of French Lick Spring’s ordinance that requires all black cats to wear a bell on Friday the 13th. And if one is driving down Main Street in Evansville, it is illegal to have your headlights on!


State Department of Insurance

Indiana Department of Insurance
311 W. Washington St.
Suite 300
Indianapolis, IN, 46204
(317) 232-2385
Get Directions

Department of Transportation

Indiana Department of Transportation
100 N. Senate Ave.
Room 758
Indianapolis, IN 46204
Get Directions

Department of Motor Vehicles

Indiana Bureau of Motor Vehicles
Indiana Government Center North
Room 402
100 N. Senate Ave.
Indianapolis, IN 46204
(888) 692-6841
Get Directions

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