Best Pay-As-You-Go Auto Insurance in Indiana (Your Guide to the Top 10 Companies for 2024)
The best pay-as-you-go auto insurance in Indiana is with Geico, AAA, and USAA. Safe drivers get the best rates on usage-based car insurance in Indiana, and Geico has the cheapest for $25/month. AAA provides free roadside assistance with its IN pay-as-you-go insurance, but you must be a member to buy coverage.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...
Published Insurance Expert
UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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The best pay-as-you-go auto insurance in Indiana is with Geico, AAA, and USAA. Geico has the cheapest rates starting at $25/month.
Check out the best pay-as-you-go auto insurance companies in Indiana below and compare discounts for bundling policies, which can help lower Indiana insurance rates even more.
Our Top 10 Company Picks: Best Pay-As-You-Go Auto Insurance in Indiana
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A++ Extensive Discounts Geico
#2 15% A Roadside Assistance AAA
#3 10% A++ Military Savings USAA
#4 20% A Claims Service American Family
#5 12% A+ Coverage Options Progressive
#6 25% A+ High-Mileage Drivers Allstate
#7 20% A+ Multi-Policy Discounts Nationwide
#8 10% A Accident Forgiveness Liberty Mutual
#9 17% B Customer Service State Farm
#10 10% A Great Add-ons Farmers
Scroll down to learn how to find the best pay-as-you-go auto insurance in Indiana that fits your needs and budget. Start saving on Indiana auto insurance today by entering your ZIP code above and comparing quotes.
- Best pay-as-you-go auto insurance in Indiana includes Geico, AAA, and USAA
- Geico offers the lowest rates starting at $25 per month
- USAA pay-as-you-go insurance in Indiana is only available to military members
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#1 – Geico: Best for Competitive Rates
Pros
- Competitive Rates: Consistently low rates for pay-as-you-go auto insurance in Indiana starting at $25/month. Learn more in our Geico DriveEasy review.
- Digital Tools: Advanced online tools and mobile app for easy policy management and pay-as-you-go claims filing for Indiana drivers.
- Multiple Discounts: Offers a variety of discounts on pay-as-you-go car insurance in Indiana, including good driver and multi-vehicle.
Cons
- No Gap Coverage: Indiana drivers cannot get gap coverage for new or leased vehicles with pay-as-you-go policies.
- Claims Process: Some Indiana customers report delays in the pay-as-you-go insurance claims process.
#2 – AAA: Best for Roadside Assistance
Pros
- Roadside Assistance: AAA provides free roadside assistance services for Indiana drivers with pay-as-you-go insurance. Learn more in our review of AAA insurance.
- Accident-Free Discounts: Substantial discounts for accident-free drivers, a key feature for pay-as-you-go auto insurance in Indiana.
- Membership Discounts: Indiana drivers who are AAA members get additional discounts on pay-as-you-go insurance, vacation packages, hotels, and more. Check out the list of AAA discounts.
Cons
- Membership Fees: Requires AAA membership, adding to the cost of Indiana pay-as-you-go auto insurance,
- Limited Availability: Services and discounts may vary by city, impacting Indiana pay-as-you-go availability.
#3 – USAA: Best for Military Drivers
Pros
- Military-Friendly: USAA has specialized coverage and discounts on IN pay-as-you-go insurance for military members who are sent overseas, store their vehicles, or use their cars for work.
- Top-Rated Service: USAA pay-as-you-go insurance in Indiana consistently receives high marks for customer satisfaction and claims handling.
- Low Rates: Competitive pricing for IN pay-as-you-go auto insurance starting at $30/month. See rates compare in our USAA auto insurance review.
Cons
- Membership Restrictions: USAA pay-as-you-go insurance in Indiana is only available to military members and their families
- Partnership Program: USAA provides pay-as-you-go insurance through a partnership with Noblr, which could impact customer service in Indiana.
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#4 – American Family: Best for Claims Service
Pros
- High Claims Satisfaction: American Family ranks in the top two for customer and claims satisfaction in the Indiana region for pay-as-you-go auto insurance.
- Loyalty Discounts: Offers discounts for long-term customers in Indiana with pay-as-you-go auto insurance. Learn more in our American Family review.
- Flexible Payment Options: Multiple payment plans are available for pay-as-you-go auto insurance in Indiana.
Cons
- Digital Tools: Online tools may not be as advanced as other pay-as-you-go auto insurance companies in IN.
- Premium Rates: American Family’s pay-as-you-go insurance rates can be higher compared to other providers in Indiana starting at $28.
#5 – Progressive: Best for Coverage Options
Pros
- Online Tools: User-friendly online tools and mobile app for easy pay-as-you-go management for IN drivers. Our complete Progressive Snapshot review goes over this in more detail.
- Flexible Coverage: Progressive offers a wide range of customizable pay-as-you-go coverage options in Indiana.
- Snapshot Program: Progressive’s Snapshot program allows Indiana drivers to potentially lower their pay-as-you-go insurance rates based on safe driving habits.
Cons
- Rates: Progressive’s pay-as-you-go auto insurance rates in Indiana start at $29/month, which may be higher than some competitors.
- Claims Process: Some Indiana customers report a complicated claims process for pay-as-you-go insurance.
#6 – Allstate: Best for High-Mileage Drivers
Pros
- Mileage Discounts: Allstate Milewise and Milewise Unlimited allows high-mileage drivers to get a discount on pay-as-you-go car insurance in Indiana. Learn how in our Milewise review.
- Financial Stability: A.M. Best gives Allstate a superior A+ financial rating, which is good news if you need to file a pay-as-you-go insurance claim in Indiana.
- Customer Support: Allstate customer support is available 24/7 for Indiana drivers with pay-as-you-go insurance,
Cons
- Expensive Premiums: Allstate has higher IN pay-as-you-go premiums than other providers. Find more information in our review of Allstate insurance.
- Mobile App: Some Indiana pay-as-you-go users report issues with the mobile app functionality.
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#7 – Nationwide: Best for Multi-Policy Discounts
Pros
- Multi-Policy Discounts: Nationwide offers significant discounts for bundling multiple policies, making it an attractive option for pay-as-you-go auto insurance in Indiana.
- SmartRide Program: Indiana drivers can save money on pay-as-you-go insurance with safe driving rewards. Learn how in our Nationwide SmartRide app review.
- Financial Strength: Nationwide’s strong financial rating ensures reliable pay-as-you-go insurance coverage in Indiana.
Cons
- Rates: Pay-as-you-go auto insurance rates with Nationwide in Indiana start at $30/month, which may be higher than some competitors.
- Availability: Some pay-as-you-go discounts and services may not be available in all areas of Indiana.
#8 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Liberty Mutual offers accident forgiveness for pay-as-you-go auto insurance in Indiana, preventing rate increases after the first accident.
- RightTrack Program: The RightTrack program can help Indiana drivers save on pay-as-you-go insurance by monitoring driving habits.
- Flexible Coverage Options: Liberty Mutual provides a variety of coverage options for pay-as-you-go auto insurance in Indiana.
Cons
- Premium Rates: Liberty Mutual’s pay-as-you-go insurance rates in Indiana start at $33/month, which can be higher than some other providers. To compare monthly premiums, read our Liberty Mutual review.
- Customer Service: Some Indiana customers report mixed experiences with Liberty Mutual pay-as-you-go customer service.
#9 – State Farm: Best Customer Service
Pros
- Customer Service: State Farm is known for its excellent customer service for Indiana pay-as-you-go insurance. Get full rankings in our State Farm Company Review.
- Drive Safe & Save: The Drive Safe & Save program helps Indiana drivers reduce pay-as-you-go insurance costs by monitoring driving behavior.
- Discounts: State Farm offers various discounts, including for good driving and multiple vehicles, for pay-as-you-go auto insurance in Indiana.
Cons
- Premium Costs: Despite discounts, State Farm’s pay-as-you-go premiums might still be relatively higher for certain coverage levels in Indiana.
- Digital Tools: Some Indiana customers feel that State Farm’s online tools and mobile app could be improved for pay-as-you-go insurance management.
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#10 – Farmers: Best Policy Add-Ons
Pros
- Policy Add-Ons: Farmers offers a wide range of add-ons for pay-as-you-go auto insurance in Indiana, including rideshare coverage and new car replacement.
- Discounts: Various discounts are available for Indiana drivers, such as good driver and multi-policy discounts, enhancing the value of pay-as-you-go insurance.
- Financial Stability: Farmers has a strong financial rating, ensuring reliable pay-as-you-go insurance coverage in Indiana.
Cons
- Rates: Farmers pay-as-you-go auto insurance rates in Indiana start at $35/month, which can be higher than some competitors. Compare free quotes in our Farmers Insurance review.
- Claims Process: Some Indiana customers report a lengthy claims process for pay-as-you-go insurance with Farmers.
The Best Pay-As-You-Go Auto Insurance Rates in Indiana
Choosing the best pay-as-you-go auto insurance in Indiana involves weighing these monthly rates against the coverage levels provided, ensuring you get the protection you need at a price that fits your budget.
Indiana Pay-As-You-Go Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $31 | $91 |
| Allstate | $32 | $92 |
| American Family | $28 | $88 |
| Farmers | $35 | $97 |
| Geico | $25 | $85 |
| Liberty Mutual | $33 | $95 |
| Nationwide | $30 | $90 |
| Progressive | $29 | $89 |
| State Farm | $28 | $88 |
| USAA | $30 | $90 |
For minimum coverage, Geico leads with the most affordable rates of $25/month, followed by American Family and State Farm. These three companies are also the cheapest for full coverage auto insurance.
Minimum coverage types include liability, which covers damages and injuries to others if you’re at fault in an accident. Full coverage includes comprehensive and collision coverage, which protects your own vehicle in case of accidents or non-collision incidents like theft or vandalism.
When selecting pay-as-you-go auto insurance, understanding the various coverage options is essential to ensure you choose the best protection for your needs. Most pay-as-you-go policies offer a range of coverage options that can be tailored to fit your driving habits and budget.
Read More: Indiana Minimum Auto Insurance Requirements
Discounts on Pay-As-You-Go Auto Insurance in Indiana
Indiana insurance companies provide various auto insurance discounts based on factors such as your driving history, the safety features of your vehicle, and your overall driving behavior.
For instance, maintaining a clean driving record may qualify you for a safe driver discount, while having advanced safety features in your car could earn you additional savings.
Additionally, Indiana drivers can save money by bundling insurance policies, like auto and home insurance, or for driving fewer miles, which aligns well with pay-as-you-go models.
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Case Studies: Pay-As-You-Go Auto Insurance Success in Indiana
To illustrate the benefits of pay-as-you-go auto insurance, here are a few real-life case studies highlighting how different individuals have saved on their Indiana car insurance with safe driving habits and vehicle safety features:
- Case Study #1 – The Savvy City Commuter: Jane, who lives in Indianapolis and only uses her car on weekends, switched to Geico DriveEasy, a pay-as-you-go insurance plan. By tracking her mileage and driving habits, she saved 30% on Indiana auto insurance.
- Case Study #3 – The Vehicle Safety Seeker: Emily, who drives a newer model with advanced safety features, chose AAA pay-as-you-go insurance that offered discounts for these features. Her Indiana insurance costs were reduced by 25%, and she enjoys peace of mind with free roadside assistance.
- Case Study #4 – The Multi-Policy Beneficiary: Mark, a retired veteran, bundled his USAA pay-as-you-go policy with his home insurance, taking advantage of a 15% multi-policy discount on his Indiana car insurance.
These case studies highlight how pay-as-you-go auto insurance in Indiana can offer significant savings based on individual circumstances.
Whether through low mileage, a clean driving record, vehicle safety features, or policy bundling, there are numerous ways to benefit from pay-as-you-go auto insurance in Indiana.Travis Thompson Licensed Insurance Agent
Indiana pay-as-you-go car insurance works best for drivers who practice safe driving habits and aren’t on the road that often. You’ll get the lowest pay-as-you-go insurance rates if you drive less than 11,000 miles per year and avoid driving at night.
How to Get Affordable Pay-As-You-Go Auto Insurance in Indiana
Selecting the right pay-as-you-go plan requires comparing the best Indiana auto insurance companies to find the one that suits your needs. Geico, AAA, and USAA have the best pay-as-you-go auto insurance in Indiana with competitive rates and great policy add-ons like roadside assistance.
Your unique factors as a driver might match better with another company. Remember to use our free quote tool to get personalized rates from various insurers. Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.
Frequently Asked Questions
How much is car insurance monthly in Indiana?
The average monthly cost of full coverage car insurance in Indiana is approximately $111 per month. This estimate is based on a standardized profile of a 35-year-old driver with good credit and a clean driving record.
What is the basic vehicle insurance coverage in Indiana?
The minimum required coverage are $25,000 for bodily injury or death of one person per accident, $50,000 for bodily injury auto insurance or death of two or more people per accident, and $25,000 for property damage per accident.
Who typically has the cheapest car insurance?
The most affordable car insurance companies across the country are USAA, Nationwide, Travelers, Erie, Geico, and Progressive. Enter your ZIP code below to find out if you can get a better deal.
Is Indiana car insurance high?
Car insurance in Indiana is generally more affordable than in many other states. The average cost for full coverage with a $1,000 deductible about $71 per month. This is lower than the national average annual premium of $108 per month.
What is the best full coverage insurance?
Some of the most affordable options for full coverage car insurance include Amica at $190 per month, Auto-Owners at $118, Geico at $109, and NJM at $124. Shelter offers coverage for $131 per month, while State Farm is $167. Travelers charges $117 per month, and USAA is the most affordable at $105.
What insurance is required in Indiana?
It is illegal to drive without insurance in Indiana. Make sure your car insurance policy meets these state minimums.
What is the cheapest cover for insurance?
Third party only is the minimum legal requirement and usually the least expensive option.
Third party, fire, and theft covers third-party damage plus protection against fire and theft.
Comprehensive offers the most extensive coverage, including protection for your own vehicle as well as third-party damage.
How much is renters insurance in Indiana?
The typical expense for renters insurance in Indiana is approximately $15 each month. For those seeking the most cost-effective options combined with extensive coverage options, State Farm is worth considering. Get fast and cheap auto insurance coverage today with our quote comparison tool below.
At what age is car insurance cheapest?
Experienced drivers generally have fewer accident claims, which translates to lower insurance costs. At Progressive, the average monthly premium typically decreases significantly between the ages of 19 and 34, then levels off or decreases slightly between the ages of 34 and 75. Learn more information on the best auto insurance by age.
What happens if you drive without insurance in Indiana?
For a first offense of driving without insurance, your driver’s license will be suspended for a minimum of 90 days. Additionally, you’ll need to pay a $250 reinstatement fee. During this period, you’ll be required to provide proof of future financial responsibility, typically through an SR-22 certificate, for a duration of 180 days.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...
Published Insurance Expert
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
