If you’re searching for affordable car insurance in Indiana, prioritize companies that place customer service before advertising budgets when making your decisions. The best providers balance superior service with competitive prices to offer drivers the greatest value possible; MoneyGeek conducted an analysis of Indiana’s most reliable companies to find five that provide superior claims management as well as premium affordability.

Your car insurance premium in Indiana depends on a variety of factors, such as age, driving record and coverage levels. It’s essential that you understand how mandatory and optional coverages impact your rates.

While Indiana law mandates liability coverage, many drivers choose to add comprehensive and collision coverage as additional layers of protection – though these types usually cost more. Raising liability limits may help decrease rates as long as it meets Indiana’s minimum requirements.

Your car’s make and model can also have an effect on its insurance rate, with luxury models often carrying higher premiums due to being more likely to be stolen or damaged, as well as insurance companies taking into account resale value when setting rates.

Your credit score can have a dramatic effect on the cost of car insurance in Indiana. Many insurers use your history to assess risk, with a good or excellent credit score typically translating to lower premiums; conversely, poor credit could mean much higher premiums as many insurance providers have observed a correlation between poor credit scores and filing more claims.

An important determining factor for car insurance rates in Indiana is your driving record. A history of speeding tickets, at-fault accidents or DUI or OWI convictions will cause premiums to skyrocket; see the table below for how much higher they’d be after an infraction and compare this against rates for drivers with clean records.

Indiana ranks among the states with one of the highest numbers of uninsured motorists, yet allows its drivers to opt out in writing of uninsured motorist coverage. Even minor accidents can lead to expensive medical expenses and repairs, so it is worth trying to fit uninsured motorist coverage into your budget if possible; otherwise, higher liability limits should protect against potential financial disaster should an uninsured driver strike your vehicle.