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Best Cheap Auto Insurance in Indianapolis, Indiana (2026)

Auto-Owners offers the cheapest car insurance in Indianapolis, with minimum-coverage policies as low as $53 per month.

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Cheapest recent rates near Indianapolis, Indiana

Recent Indianapolis, Indiana car insurance prices for Buick, Toyota, Subaru , and more.

*Quotes generated for Insurify users in and around Indianapolis, Indiana within the last 10 days. Last updated on February 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Indianapolis, Indiana within the last 10 days. Last updated on February 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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The Circle City has car insurance rates that just keep climbing. Fortunately, you can find better rates through Auto-Owners, State Farm, and USAA. Average rates in the city are $150 for full-coverage car insurance and $79 for liability only, according to Insurify data.

We aim to help you secure rates as low as possible so you can keep your wheels moving in the Circle City.

Quick Facts
  • Drivers with excellent credit pay half of what people with poor credit do, on average, for car insurance in Indianapolis.

  • Many coverage options in Indianapolis are available, including regional and national insurers.

  • Indiana requires drivers to carry uninsured and underinsured motorist coverage unless they tell their insurer in writing that they want it removed.

Find Car Insurance in Indianapolis

Check quotes from 120+ top insurance companies

Excellent
4.7 out of 5 based on 11,516 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Best car insurance companies in Indianapolis

The best car insurance company in Indianapolis is different for everyone. Whether an insurer offers you the cheapest rates or the best coverage (not always the same thing) will often depend on factors such as your driving record, age, gender, marital status, vehicle type, and even your credit history.

However, as you begin your search for the best insurer, be sure to take a look at the following three.

Best insurer for liability and full coverage: Auto-Owners

User Reviews
4.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$92/mo
4.3
Best choiceBased on 295 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (144)
Warren
Verified Review
Punishment for 65+ years of no problems.
Reviewed in South Carolina on February 1, 2026
I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.
Scott
Verified Review
Poor
Reviewed in Michigan on January 28, 2026
Prices are too high.
Gary
Verified Review
Tornado
Reviewed in Ohio on January 25, 2026
I asked for discounts, but they don't offer any due to tornado damage claims.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Started by a group of insurance executives in Michigan in 1916, Auto-Owners started writing policies in Indiana in 1935 and now offers insurance in approximately half the country. Despite the name, Auto-Owners offers other insurance products, such as home and life insurance. It offers the lowest rates in Indiana.

Pros
  • Long history of selling car insurance in Indiana

  • A.M. Best financial strength rating of A++ (Superior)

  • Bundling and other discounts

Cons
  • Online quotes not available; you’ll need to talk to an agent

  • Available in only 26 states

  • Website lacking compared to competitors

Best insurer for financial stability: State Farm

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$57/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$98/mo
4.0
Best choiceBased on 14,453 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,945)
Pamela
Verified Review
The Best
Reviewed in Kentucky on February 2, 2026
I would tell a friend to go with State Farm; they are the best.
Linda
Verified Review
Happy with State Farm
Reviewed in Florida on February 2, 2026
I've been with State Farm for 50 years. They are a great company, but who your agent is matters!
Carolyn
Verified Review
Rates increase too often.
Reviewed in Georgia on February 2, 2026
Their coverage is better than all others today, except it's too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm was started in 1922. Today, it offers around 100 different insurance products, including car insurance, renters insurance, and pet insurance. State Farm is available in all 50 states and is the largest insurance company in the United States. State Farm writes more policies than any other insurer, and it has an A.M. Best financial strength rating of A++.

Pros
  • Long history of selling car insurance

  • A.M. Best financial strength rating of A++ (Superior)

  • Rideshare insurance available

Cons
  • Low customer satisfaction ratings

  • Gap insurance not available

  • Not as many discounts as some competitors

Best insurer for military members: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$61/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$104/mo
4.9
Best choiceBased on 2,831 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,430)
Mark
Verified Review
USAA Review
Reviewed in Florida on February 2, 2026
Too expensive, but they are very good at processing claims. Very dependable.
Robert
Verified Review
Average
Reviewed in Florida on February 1, 2026
Check around, many are cheaper and offer the same as USAA.
Harold
Verified Review
USAA good company but high premiums
Reviewed in Florida on January 30, 2026
The price is very high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

United Services Automobile Association (USAA) has been around since 1922, and it exclusively caters to active military members, veterans, and their families. USAA is known for car insurance, but it also offers many other insurance products, such as homeowners and life insurance. Its rates are known for being very affordable, and USAA is available in all 50 states.

Pros
  • Affordable rates for all drivers, including those with traffic violations

  • Savings of up to 30% possible via SafePilot program

  • Discounts for bundling, being a good student, enrolling in automatic payments, and more

Cons
  • Only available to active military members, veterans, and their families

  • Doesn’t offer gap insurance

  • 24/7 customer phone support not available

Cheapest liability-only car insurance in Indianapolis: Auto-Owners

Liability-only car insurance protects you if you damage another person’s car or the other driver and passengers are hurt. If you’re injured or your own car is banged up, however, your insurance wouldn’t pay for those expenses. As such, liability-only insurance is generally the most affordable option.

In Indianapolis, drivers pay a monthly average of $79 for liability-only coverage. You can see a collection of insurance policies from several Indianapolis-area insurers below.

The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$53
State Farm$57
USAA$61
GEICO$63
Progressive$68
Direct Auto$75
American Family$84
Root$87
Safeco$90
CSAA$91
Dairyland$92
The General$92
National General$94
AssuranceAmerica$104
GAINSCO$105
Elephant$105
Bristol West$107
Travelers$113
Liberty Mutual$115
Farmers$117
Allstate$134
Nationwide$148
State Auto$280
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Indianapolis: Auto-Owners

Full-coverage car insurance provides the same protections as a liability-only policy but also covers damage or medical expenses for you and your vehicle. Collision and comprehensive coverages can pay to repair or replace your vehicle, but you’ll have to meet your deductible amount before your insurance starts paying.

If you have a high-value car, or if you would find it expensive and difficult to replace or repair your car if it were wrecked, you may want to consider full coverage. If you lease or finance your car, your lender will probably require full coverage.

In Indianapolis, full coverage costs an average of $150 per month, but you might find better rates with the following insurers.

The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$92
State Farm$98
USAA$104
GEICO$109
Progressive$122
Safeco$134
Direct Auto$138
American Family$145
Root$148
Elephant$160
CSAA$173
Liberty Mutual$179
The General$186
National General$192
Travelers$194
Farmers$202
AssuranceAmerica$203
Bristol West$215
Allstate$231
Nationwide$254
GAINSCO$259
Dairyland$327
State Auto$482
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Indianapolis, Indiana

Recent Indianapolis, Indiana car insurance prices for Nissan, Ford, MINI , and more.

*Quotes generated for Insurify users in and around Indianapolis, Indiana within the last 10 days. Last updated on February 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Indianapolis, Indiana within the last 10 days. Last updated on February 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Indiana

To drive legally in Indiana, you need to have at least a liability-only car insurance policy covering bodily injuries and property damage.[1] You’re also required to have uninsured and underinsured motorist coverage, though you’re allowed to reject this by putting it in writing (your insurer can explain how to do that).

Just keep in mind if you do, there’s a risk. If you’re in an accident and the other driver’s insurance won’t cover all the damages, you could end up paying for hospital or repair bills yourself because you rejected the uninsured motorist coverage.

The table below spells out the minimum requirements you’ll need to meet for your car insurance coverage. Again, you can inform your insurer that you reject the uninsured and underinsured coverage as long as you do so in writing.

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 per person/$50,000 per accident
Property damage liability$25,000 per accident
Uninsured motorist bodily injury$25,000/$50,000
Uninsured motorist property damage$25,000
Underinsured motorist bodily injury$50,000/$50,000

In addition to meeting the minimum-coverage requirements outlined above, you may also want to consider adding the following coverages:

  • illustration card https://a.storyblok.com/f/162273/150x150/0ee044afbd/car-and-driving-96x96-orange_039-car-accident.svg

    Collision coverage

    This pays for damage to your car caused by crashing into a car or object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    This pays claims for non-collision damage to your car. For example, if a tree branch falls on your car’s roof, comprehensive insurance would pay to repair it.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Also known as MedPay, this coverage pays your medical bills related to an accident, regardless of who caused it.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Nearly 16% of motorists in Indiana drive without insurance, according to the Insurance Institute for Highway Safety. If you get into a collision with one of them, your UI/UIM coverage can help bridge any financial gap between your actual costs and a payout from the other driver’s insurance company.

Cheapest car insurance for Indianapolis drivers with an incident

If you have an incident on the road — like a speeding ticket, at-fault accident, or a DUI — it can translate into higher premiums. Insurers can see one incident as the start of a bad pattern, and they may raise your premiums in case more expensive problems occur. The good news is that if you drive for a few years without an incident, insurers will usually lower your rates.

In the sections that follow, you’ll see how having an incident on your record can affect your auto rates in Indianapolis.

Find Coverage for Every Driving Record

Compare quotes from top insurance companies in Indianapolis

Excellent
4.7 out of 5 based on 11,516 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket

Indianapolis may be famous for its Indy 500, but the police frown on motorists treating I-465 like their own Indianapolis Motor Speedway. If you’re caught speeding, your premiums may climb. In fact, the overall average cost of car insurance with a speeding ticket in Indianapolis is $157 per month.

Here’s a look at what you can expect to pay for auto insurance in Indianapolis with a speeding ticket on your record.

The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST
Insurance Company
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Auto-Owners$125$72
State Farm$130$75
USAA$140$82
GEICO$149$86
Progressive$167$93
Direct Auto$181$98
Safeco$184$124
American Family$196$114
Elephant$201$132
Root$206$121
CSAA$235$124
Liberty Mutual$238$153
National General$250$122
The General$259$128
Travelers$262$153
Farmers$270$156
AssuranceAmerica$270$138
Bristol West$282$140
Allstate$313$182
GAINSCO$323$131
Nationwide$344$200
Dairyland$425$119
State Auto$668$388
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

You can expect at-fault accidents to push your car insurance rates higher. Indianapolis drivers with a ticket on their records pay a monthly average of $108 for liability-only insurance and $205 for full coverage.

Here’s a look at how an accident on your record could affect your auto rates in Indianapolis.

The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST
Insurance Company
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Auto-Owners$126$73
State Farm$134$78
USAA$144$85
GEICO$147$85
Progressive$174$97
Safeco$194$131
Direct Auto$195$106
American Family$201$117
Root$205$120
Elephant$217$143
Liberty Mutual$247$159
CSAA$258$136
National General$264$129
The General$265$131
Travelers$270$157
Farmers$279$162
AssuranceAmerica$280$144
Bristol West$294$146
Allstate$321$186
GAINSCO$345$140
Nationwide$354$206
Dairyland$447$126
State Auto$681$396
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

If you have a DUI on your record, you can expect your premiums to go way up. In some cases, your insurer may drop you altogether. 

While Indianapolis drivers with clean motor vehicle records pay a monthly average of just $115, those with a DUI see an average of $163. The table below shows what you would pay, on average, for your insurance premiums in Indianapolis if you have a DUI on your record.

The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST
Insurance Company
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Auto-Owners$133$77
State Farm$142$82
USAA$150$88
GEICO$156$90
Progressive$173$96
Direct Auto$200$109
Safeco$208$140
American Family$210$122
Root$215$126
Elephant$231$152
CSAA$250$132
Liberty Mutual$259$166
The General$269$133
National General$278$136
Travelers$281$163
Farmers$292$169
AssuranceAmerica$294$150
Bristol West$311$155
Allstate$334$194
Nationwide$367$214
GAINSCO$375$152
Dairyland$473$133
State Auto$697$405
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for Indianapolis seniors

Insurers calculate your insurance premiums by examining many different factors, including your age. Generally, senior drivers have the lowest rates of any age group, averaging $98 per month in Indianapolis.

But if you’re 75 or older, you can expect your premiums to begin to climb. This is because statistics show older drivers are involved in more accidents and suffer more severe injuries when an accident occurs. If you live in Indianapolis and are a senior, the table below shows what you may pay, on average, for your auto insurance premiums.

The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST
Insurance Company
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Auto-Owners$58$33
State Farm$60$35
GEICO$70$40
USAA$71$42
American Family$92$53
Direct Auto$93$51
Progressive$95$53
Safeco$105$71
Root$106$63
CSAA$110$58
Elephant$115$75
National General$124$61
Liberty Mutual$126$81
Travelers$129$75
Farmers$129$74
The General$136$67
AssuranceAmerica$137$70
Nationwide$151$88
Allstate$154$89
Bristol West$154$76
GAINSCO$202$82
Dairyland$260$73
State Auto$297$172
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for Indianapolis teens

You may be a teenager who aced your driver’s test and is as safe a driver as they come, but insurers will still charge you higher premiums than older, more experienced drivers. Fortunately, teenagers have ways to offset the financial pain of high insurance rates.

For instance, insurers charge less when a teenage driver stays on their parents' policy as opposed to getting their own insurance policy. Driving a car that your insurer considers a safe model could also help your rates. And if maintain good grades and complete a driver safety course, you could qualify for a good student discount.

On average, teen drivers pay $166 per month for liability-only insurance in Indianapolis and $315 for a full-coverage policy. If you’re a teen driver living in Indianapolis, the table below shows what you’d pay, on average, for your insurance premiums.

The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST
Insurance Company
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Auto-Owners$198$114
State Farm$204$119
USAA$207$122
GEICO$211$122
Progressive$257$143
Root$278$163
Direct Auto$287$156
Safeco$290$194
American Family$295$171
Elephant$304$200
CSAA$317$167
Liberty Mutual$341$219
The General$352$174
Bristol West$415$206
National General$416$204
Travelers$430$250
Farmers$430$249
AssuranceAmerica$446$229
Allstate$491$285
GAINSCO$515$209
Nationwide$533$311
Dairyland$598$168
State Auto$1,244$723
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Indianapolis

A number of factors go into determining the car insurance rates you’re offered, including your:

  • Age

  • Gender

  • Driving record

  • Location

  • Type of car

  • Amount of coverage

  • ZIP code

To increase your chances of obtaining the lowest quote possible, follow these strategies:

  • Compare quotes. Obtain quotes from several car insurance companies, and compare them against one another.

  • Increase your deductible. Raising your full-coverage deductible from, say, $250 to $1,000 typically lowers your car insurance costs because you’re taking on more of the up-front risk yourself. However, be sure to never set a deductible above what you can afford should you need to file a claim.

  • Bundle coverage. Your insurance company might provide a discount if you buy at least two policies, such as car insurance and homeowners insurance.

  • Explore discounts. You may be able to score a discount if you maintain a clean driving record or complete a defensive driving course. You can also inquire with your company to see if it has any discount agreements with certain insurers.

Find Car Insurance in Indianapolis

Rates start as low as $53/mo. for liability coverage

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Indianapolis car insurance quotes by credit tier

Most states, including Indiana, allow insurers to consider credit history. Insurers have concluded that your credit history is a sign of how safe a driver you are. As such, if you have an excellent or good credit score, you’ll often enjoy far lower insurance premiums than a person with a poor credit score.

The table below shows how Indianapolis drivers’ insurance premiums are affected by credit scores.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Indianapolis?

While car insurance in Indianapolis is more expensive than in the rest of the state, it’s still cheaper than the national average. The U.S. national car insurance average for liability-only coverage is $170 a month, and full coverage is $253. In Indianapolis, the average rate is $79 for liability-only coverage and $150 for full coverage.

More cities in Indiana

How does car insurance in Indianapolis stack up against other cities across the state? The table below gives you an idea.

City
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Average Monthly Quote: Full Coverage
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Average Monthly Quote: Liability Only
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Elkhart$101$61
Evansville$123$71
Fort Wayne$130$74
Lafayette$116$64
South Bend$122$64
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Indianapolis car insurance FAQs

Looking for more information on car insurance in Indianapolis? The answers below can help you find the best rates in the Circle City.

  • How much is car insurance in Indianapolis?

    In Indianapolis, the average rate is $79 for liability-only coverage and $150 for full coverage. This makes Indianapolis the most expensive city in Indiana, according to Insurify data. However, these rates fall below the national averages.

  • Which company has the cheapest car insurance rates in Indianapolis?

    Indianapolis drivers will find the lowest rates with Auto-Owners, which averages $53 per month for liability coverage and $92 for full-coverage car insurance. State Farm and USAA also offer cheap liability insurance, averaging $57 and $61 per month, respectively.

  • What are the best car insurance companies in Indianapolis?

    Auto-Owners, State Farm, and USAA rank as the top insurers in Indiana. In addition to providing low rates, each insurer has a high Insurify Quality (IQ) Score. All three firms also have commendable scores for financial stability.

  • What does car insurance in Indianapolis typically cover?

    Liability-only coverage in Indiana must meet the state’s minimum requirements of $25,000 per person and $50,000 per accident in bodily injury liability and uninsured motorist bodily injury, $25,000 per accident in property damage liability and uninsured motorist property damage, and $50,000 in underinsured motorist bodily injury. But you can add on to these coverages with full coverage or other insurance add-ons.

Methodology

Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

Geoff Williams
Geoff Williams

Geoff Williams is a freelance journalist who has written personal finance articles for most of his career and for numerous publications, including U.S. News & World Report, The Wall Street Journal, Bankrate, CNNMoney.com and Forbes.com. He is also the author of several books, including “C.C. Pyle’s Amazing Foot Race” and “Washed Away,” and writes a classic TV blog called “The TV Professor.”

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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