Home Home insurance Average home insurance cost Cheapest homeowners insurance in Indiana Cheapest homeowners insurance in Indiana Written by: Les Masterson Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics. Read full bio >> | Reviewed by: Ashlee Tilford Ashlee, a former managing editor, insurance, at QuinStreet, is a journalist and business professional. She earned an MBA in 2014 with a concentration in finance. She has more than 15 years of hands-on experience in the finance industry. Read full bio >> | Updated on June 1, 2022 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Tracking down the cheapest homeowners insurance for you takes some digging and comparing quotes from multiple home insurance companies.Home insurance companies gauge risk differently from one another. One insurer may put more emphasis on one metric and not as much on another.That’s why getting quotes from at least three homeowners insurance companies is an essential part of shopping for the cheapest homeowners insurance in Indiana. We found that Allstate has the lowest average home insurance rates in Indiana at $1,424 per year on average.Let’s take a look at homeowners insurance in Indiana and how to find the best home insurance rates.Key TakeawaysIn Indiana, the cheapest homeowners insurance is offered by Allstate at $1,424 per year for $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible.The zipcode 46818 in Indiana offers the homeowners insurance at the cheapest rate of $2,054 per year.Cheap homeowners insurance companies in IndianaAllstate, Nationwide and Farmers have the three cheapest Indiana homeowners insurance rates, on average. Here are average annual premium for homeowners insurance in Indiana for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.CompanyAverage annual premiumAverage monthly premiumAllstate$1,424$119Nationwide$1,806$151Farmers$2,046$171Depositors Insurance$2,090$174Travelers$2,132$178Travco$2,185$182USAA$2,320$193American Family$2,369$197Garrison$2,678$223State Farm$2,937$245Property Owners$3,543$295United Farm Family$3,767$314Foremost$3,978$332Compare cheap homeowners insurance in Indiana by ratingsExperts at Insure.com compared the cheapest homeowners insurance companies in Indiana based on J.D. Power score and AM best rating. Among the carriers surveyed, USAA received the highest J.D. power score — 882 out of 1000.Find below the list of cheap homeowners insurance companies and J.D. Power score and AM Best rating.CompanyJ.D. Power scoreAM Best ratingUSAA882A++State Farm835A++American Family831AAllstate829A+Farmers813ANationwide812A+Travelers800A++How much is home insurance in IndianaThe average homeowners insurance in Indiana is $2,423 for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.Beyond location, insurance providers also consider claims history for you, your home and the area; building costs; coverage level; and credit history.Filing multiple claims is one way to see much higher home insurance premiums.Average annual premiumAverage monthly premium$2,423$202Cheapest homeowners insurance in Indiana by ZIP codeHomeowners insurance costs vary in Indiana. Location, including ZIP code, is just one aspect of home insurance costs.Here are the average home insurance cost by city/ZIP codes in Indiana:ZIP codeAverage annual premiumAverage monthly premium46818$2,054$17146814$2,065$17246845$2,066$17246748$2,089$17446808$2,099$17546805$2,107$17646815$2,110$17646804$2,112$17646802$2,116$17646765$2,118$17646835$2,119$17746788$2,125$17746704$2,127$17746798$2,128$17746819$2,129$177 Know how much is home insurance in other statesAlaska$1,799/YearAlabama$2,981/YearArkansas$3,439/YearArizona$1,976/YearCalifornia$1,166/YearColorado$3,082/YearConnecticut$1,961/YearWashington D.C.$1,488/YearDelaware$1,521/YearFlorida$3,439/YearGeorgia$2,555/YearHawaii$499/YearIowa$2,540/YearIdaho$1,842/YearIllinois$2,201/YearKansas$3,931/YearKentucky$2,862/YearLouisiana$3,270/YearMassachusetts$1,920/YearMaryland$1,518/YearMaine$1,833/YearMichigan$2,153/YearMinnesota$3,010/YearMissouri$3,111/YearMississippi$3,340/YearMontana$2,809/YearNorth Carolina$2,009/YearNorth Dakota$2,601/YearNebraska$3,133/YearNew Hampshire$1,455/YearNew Jersey$1,744/YearNew Mexico$2,299/YearNevada$1,486/YearNew York$1,840/YearOhio$2,107/YearOklahoma$4,445/YearOregon$1,608/YearPennsylvania$1,720/YearRhode Island$2,125/YearSouth Carolina$2,678/YearSouth Dakota$3,172/YearTennessee$2,692/YearTexas$3,429/YearUtah$1,378/YearVirginia$1,956/YearVermont$1,212/YearWashington$1,514/YearWisconsin$1,732/YearWest Virginia$2,486/YearWyoming$2,083/YearShow moreLes MastersonContributor . .Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. 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