Who Has the Cheapest Auto Insurance Quotes for Infrequent Drivers in Indiana?

The make and model of vehicle driven is a significant factor that determines if you can find the cheapest car insurance for infrequent drivers in Indiana. Vehicles with high performance features, a lack of advanced safety features, or high incidents of liability claims will cost more to insure than more modest models.

The table below estimates car insurance prices for the most cost-effective automobiles to buy insurance for.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in specific garaging location which can lower or raise coverage rates noticeably.

Looking at the numbers, you can infer that makes and models like the Ford Escape, Honda CR-V, Toyota Prius, and Chevrolet Traverse will definitely be some of the most economical vehicles to insure for low mileage drivers.

Figuring out which companies offer the most affordable insurance rates for infrequent drivers will involve a little more work than just comparing rates from one or two companies.

Every car insurance company has a different process for setting rates, so let’s take a look at the most budget-friendly insurance companies in Indiana.

Best Insurance Companies in Indiana

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Travelers may have some of the best car insurance rates in Indiana at around $614 each year. Cincinnati Insurance, USAA, Erie, and Western Reserve would also make the list of some of the more affordable Indiana insurance companies.

As shown above, if you have coverage with USAA and switched to Travelers, you could earn a yearly savings of approxmiately $47. Insureds with Erie might save as much as $119 a year, and Western Reserve customers might lower prices by $232 a year.

If you want to find out if you’re overpaying, click here to start a quote or quote prices from the following companies.

Bear in mind that those premiums are averaged across all drivers and vehicles in Indiana and and are not calculated with a price discount for infrequent drivers. So the insurer that is best suited for you may not even be in the above rate chart. That’s why you need to compare prices as often as possible using your own individual information.

Which auto insurance company is best?

If you are looking for the best auto insurance for low mileage drivers, the most popular companies are Progressive, State Farm, Allstate, and Geico. Between them, they make up over 45% of all policies written in the United States. All offer liability and physical damage insurance, but each one has different optional coverages and features that can influence your buying decision. The following table shows ratings for price and service, as well as some optional coverages that may be available in Indiana.

Cheap insurance quotes for low mileage drivers

Drivers have a lot of different ways to purchase insurance in Indiana, but the most prevalent are from a captive (or exclusive) agency such as Liberty Mutual or Allstate, an independent insurance agent, or direct online or over the phone from a company like Geico or Progressive. All three ways can provide insurance quotes, but buyers should know the differences in how they provide price quotes.

Independent agents have contracts with multiple insurance companies and can quote your policy with all of them. Agents of this type are not required to write business for one company and can give you more rates, which may give you a better overall rate comparison. If a cheaper rate is found, the agent simply finds a different carrier and you don’t have to switch agencies.

A captive, or exclusive, agent is only able to quote rates with one company, a couple examples are a State Farm or Allstate agent. These agents are unable to quote prices from more than a single company, so always compare other rates.

If you choose to buy insurance direct, you forego an agent and buy from a direct company like Geico or Esurance. Buying direct can be good for consumers who do not need advice for asset protection and have some degree of understanding of how their policy works.

What is the best method to find the cheapest car insurance for infrequent drivers in Indiana? We wish we could say shopping direct results in the best prices since there isn’t an agent involved, but in reality, that argument does not hold true. A valid argument could also be made that going through an independent agent results in the cheapest rates because you have more choices, but that assumption is also not necessarily accurate. And occasionally, exclusive agents may have very competitive prices well below independent agents AND direct companies.

Because there are so many factors that make up insurance rates, really the best method to ensure you are not overpaying is to do a thorough rate comparison. We recommend you get price quotes from independent, exclusive, and direct in order to have the best selection to choose from. For a list of companies with online discounts, click here to view.