If you’ve noticed your car insurance premiums creeping up in Indiana, you’re not alone. In 2023, insurance rates surged nationwide as companies sought to recover losses from the pandemic. Factors like rising accident rates, inflated auto repair costs, and increasing healthcare expenses are contributing to this historic spike in auto insurance costs.
With rates continuing to climb, it’s more important than ever to find the right auto insurance provider. The best way to do this is by comparing quotes from different companies, but knowing where to start can be challenging.
In this guide, we’ll share insights from 138 Indiana drivers who rated their insurance companies, revealing the top five providers that earned the highest praise.
1. Progressive: Indiana’s Top Car Insurance Provider
According to our survey, Progressive is the number one car insurance company in Indiana. Progressive is known for offering competitive rates and excellent customer service. What sets Progressive apart is its wide range of discounts and coverage options.
Whether you’re adding a teen to your policy, a safe driver looking for a discount, or someone who’s customized their car with special equipment, Progressive has you covered. Plus, Progressive’s algorithm gives less weight to your driving record compared to other insurers, so even drivers with violations can often secure a good rate.
2. Clearcover Insurance: Simple, Affordable, and Reliable
If you’re tired of complicated policies and just want straightforward coverage you can manage online, Clearcover might be the perfect fit for you. Clearcover specializes in basic coverage and handles all accounts and claims through their app.
While you won’t find features like vanishing deductibles or usage-based insurance, Clearcover offers shockingly low prices paired with dependable customer service. It’s a no-frills option that our survey respondents highly recommended.
3. Gainsco: A Top Choice for High-Risk Drivers
Gainsco, owned by State Farm, came in third in our survey. This non-standard insurance company is ideal for drivers with a history of violations. If you have an SR-22 or a serious violation on your record, Gainsco might offer you a more affordable rate than other insurers. For those struggling to find affordable coverage due to their driving history, Gainsco is worth a look.
4. National General: Affordable Rates with Extra Perks
National General, a subsidiary of Allstate, ranked fourth in our survey. This company offers low rates for drivers whose records make it difficult to find affordable insurance elsewhere.
In addition to competitive rates, National General provides perks like trip interruption benefits, which cover food and lodging if your car breaks down while you’re on vacation. If you’re a high-risk driver looking for both affordability and added benefits, National General is a strong contender.
5. Nationwide: A Solid All-Around Option
Rounding out our top five is Nationwide, which none of the surveyed drivers rated lower than four out of five stars. Nationwide offers low rates, reliable customer service, and good coverage options, making it an excellent choice for families with young drivers.
The company also provides discounts for safe driving and low mileage, helping policyholders reduce their premiums. In fact, we named Nationwide the number one car insurance company of 2023 in a separate study, thanks to its comprehensive offerings.
Conclusion: How to Find the Best Rate
While these five companies earned high marks from Indiana drivers, the only way to know which one offers the best rate for you is to compare quotes. That’s where the Jerry app comes in. Jerry can help you find real car insurance quotes for free from these companies and more.
Have you used any of these insurance providers before? Share your experiences in the comments below. If there’s another company you think should be included in our list of the best car insurance companies in Indiana, let us know!
