Progressive Auto Insurance in Indiana
Progressive is the largest U.S. auto insurer (~14% market share, edging GEICO since 2023). Its Snapshot telematics program is the longest-running usage-based pricing tool in the country. Here's what Progressive typically costs in Indiana for 2026 — plus the 3 cheaper alternatives most Indiana drivers overlook.
Estimated annual premium
$1,200
Estimated monthly
$100
Indiana state avg
$1,325
vs Indiana avg
-9%
Why drivers pick Progressive
Snapshot telematics commonly delivers 10-30% discounts for low-mileage and conservative drivers — the deepest savings in the market for usage-based pricing.
Where Progressive falls short
Initial quotes for high-risk drivers (poor credit, recent claims) often run above peer carriers; competitive renewal pricing is more important than initial savings here.
Indiana minimum coverage requirements
- Bodily Injury Liability: 25/50 thousand per person / per accident
- Property Damage Liability: $25K
Lower minimums and moderate claims keep Indiana 25% below the national average.
Cheaper alternatives to Progressive in Indiana
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Progressive for a comparable driver profile in Indiana. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Progressive discounts available to Indiana drivers
Progressive Indiana rates by vehicle class
Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Progressive Indiana estimate for each class:
Progressive Indiana rates by driver profile
Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Progressive Indiana estimate for each profile:
Frequently asked questions
How much does Progressive auto insurance cost in Indiana?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Progressive in Indiana runs about $1,200/year (~$100/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Progressive cheaper than other carriers in Indiana?
Yes — Progressive typically runs about 9% below the Indiana state average ($1,325/year for all carriers combined). The cheaper alternatives in Indiana are typically USAA, GEICO, Erie. Whether Progressive is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the Indiana minimum coverage requirements?
Indiana requires at least 25/50 thousand in bodily-injury liability per person/per accident and $25K in property-damage liability. Indiana is not a no-fault state, so PIP is optional but recommended for added medical coverage. Lower minimums and moderate claims keep Indiana 25% below the national average.
Does Progressive offer discounts to Indiana drivers?
Progressive offers 6+ discounts that Indiana drivers can stack: Snapshot (telematics), Multi-policy, Continuous insurance, Sign online, Pay in full, Homeowner. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
Methodology: Estimated annual premium is computed as Progressive's national average ($1,633) multiplied by Indiana's state-vs-national premium index ($1,325 ÷ national average $1,789 ≈ 0.74x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Progressive J.D. Power score: 829/1000. A.M. Best rating: A+ (2024).