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Uninsured. The state is home to almost 200 licensed auto insurance companies making indiana one of the top 3 states in terms of how many car insurance companies are licensed to offer coverage. Car insurance premiums are below the national average across indiana, but rates vary based on zip code. If you can work with an insurance company you already use for other insurance coverage, or an insurer that offers special benefits to employees at your workplace, you can potentially save even more money on your auto insurance policy. Although insurance companies are prohibited from discriminating based on gender, ethnicity, and credit score, there is notable bias in data when evaluating insurance premiums with regard to these elements. When looking for the cheapest car insurance, you might start with usaa, erie insurance, root insurance, geico, and state farm. If you're looking for the cheapest car insurance, we recommend usaa, erie insurance, state farm, geico, or root.