4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Carmel, IN (January 2022)

  • Personalized quotes in 5 minutes or less
  • No signup required
1 Insurance
Last Updated: January 2022

Car Insurance in Carmel, IN

The average cost of Indiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Carmel, IN to find you the cheapest quotes in the area.
ProgressiveState FarmAllstateTravelersNationwide

Cheapest Car Insurance in Carmel, IN

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

IndianaIndianapolisFort WayneEvansvilleSouth BendCarmel
Click here to learn about car insurance quotes and save on your current policy.

Carmel, IN Driving Facts


Minimum Car Insurance Requirements in IN

Indiana drivers must purchase car insurance and must carry proof of financial responsibility in their vehicles. Unlike many states, Indiana requires uninsured motorist protection in addition to property damage liability and bodily injury liability coverage. 

Motorists are required to purchase auto insurance coverage meeting these minimums:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two or more persons
  • $25,000 for property damage liability
  • $50,000 Uninsured Motorist Coverage

Find local Carmel agents

WalkerHughes Group (Main)
360 Gradle Dr, Suite C, Carmel, IN 46032
Brown & Brown of Indiana, Inc.
11595 N Meridian Street, Suite 250, Carmel, IN 46032-4645
IIA of Indiana
11611 N Meridian St, Carmel, IN 46032
Rocchio Agency
4660 Lisborn Dr, Carmel, IN 46033-2200
MJ Insurance, Inc.
571 Monon Blvd., Suite 400, Carmel, IN 46032
Shepherd Insurance
111 Congressional Blvd, Ste 100, Carmel, IN 46032-8707
The DeRoss Insurance Agency
1905 S New Market St Suite 158, Carmel, IN 46032
Arthur J. Gallagher Risk & Co.
650 E. Carmel Drive, Suite 400, Carmel, IN 46032
Pillar Group Risk Management, Inc.
11708 N. College Ave., Carmel, IN 46032
Acrisure LLC
770 3rd Ave. SW, Carmel, IN 46032

Insurify Insights: How Carmel Drivers Measure Up

Honda Accord
Most Popular Car in
Carmel, IN
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Carmel drivers measure up to their fellow Indiana motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Carmel

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Carmel drivers rank 7 in the number of car accidents per driver across all cities in Indiana.

  • Rank within state: #7
  • Percent of drivers in Carmel with an accident: 13.1%
  • Drivers in Carmel, IN with an accident in their driving history paid on average 11.68% more than drivers with a clean record

Speeding in Carmel

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Indiana, Carmel drivers rank 23 in the number of speeding infractions per driver.

  • Rank within state: #23
  • Percent of drivers in Carmel with a speeding ticket: 8.63%
  • Drivers in Carmel, IN with a speeding ticket in their driving history paid on average -95.62% more than drivers with a clean record

DUI/DWIs in Carmel

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Carmel drivers rank 10 in the number of DUI’s per driver across all cities in Indiana.

  • Rank within state: #10
  • Percent of drivers in Carmel with a DUI: 2.98%
  • Drivers in Carmel, IN with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Carmel

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Carmel is the Honda Accord.

Hybrid/Electric Vehicle Ownership in Carmel

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Carmel drivers rank 2 in hybrid and electric vehicle ownership across all cities in Indiana.

  • Rank within state: #2
  • Percent of drivers in Carmel with a hybrid/electric vehicle: 3.31%


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Full starFull starFull starFull starFull star
3690 Reviews

Insurify is rated 4.8 out of 5 based on 3690 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!