Best Cheap Auto Insurance in Indianapolis, Indiana (2025)
Auto-Owners offers the cheapest car insurance in Indianapolis, with minimum-coverage policies as low as $55 per month.
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Table of contents
The Circle City has car insurance rates that just keep climbing. Fortunately, you can find better rates through Auto-Owners, State Farm, and Progressive. Average rates in the city are $162 for full-coverage car insurance and $88 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.
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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 | 3.9 |
|---|---|
| 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. | 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. | $55/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. | $83/mo |
3.9
A solid optionBased on 217 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 (128)
Bruce C
Verified Review
Auto-Owners OK
Reviewed in Michigan on August 2025
Return calls and information are relatively fast. Previous attempts to find a lower-cost policy have been fruitless.
John
Verified Review
Auto-Owners Too Expensive
Reviewed in Georgia on August 2025
Way too expensive. At least $150/month more than others.
Joseph
Verified Review
Average
Reviewed in Florida on August 2025
Good but expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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 | 4.1 |
|---|---|
| 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. | $59/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. | $88/mo |
4.1
Best choiceBased on 11,451 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 (6,100)
Pamela
Verified Review
Calling all State Farm Customers!
Reviewed in Louisiana on August 2025
The staff is wonderful, but the costs are too high!
Khadijih
Verified Review
Average
Reviewed in Alabama on August 2025
Their rates are too high.
Debra
Verified Review
State Farm Rated
Reviewed in Mississippi on August 2025
Pricing could be better now that I am researching prices. Great customer service from the local office staff.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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. | $63/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. | $94/mo |
4.9
Best choiceBased on 2,143 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 (1,210)
Elisabeth
Verified Review
USAA
Reviewed in Michigan on August 2025
Excellent, especially customer service.
Richard
Verified Review
Raised Monthly Payments on First Renewal
Reviewed in California on August 2025
My policy dropped, but on the first renewal, they raised my monthly payment.
Patrick
Verified Review
USAA Evaluation
Reviewed in Washington on August 2025
Super for 55+ years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 $88 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company  | Average Monthly Quote |
|---|---|
| Auto-Owners | $55 |
| State Farm | $59 |
| Progressive | $61 |
| USAA | $63 |
| GEICO | $67 |
| Direct Auto | $76 |
| CSAA | $83 |
| American Family | $87 |
| Root | $88 |
| The General | $93 |
| Safeco | $94 |
| Dairyland | $97 |
| Bristol West | $101 |
| Elephant | $107 |
| GAINSCO | $113 |
| Travelers | $117 |
| Liberty Mutual | $119 |
| AssuranceAmerica | $119 |
| Farmers | $121 |
| National General | $126 |
| Allstate | $138 |
| Nationwide | $153 |
| State Auto | $290 |
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 $162 per month, but you might find better rates with the following insurers.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $83 |
| State Farm | $88 |
| USAA | $94 |
| GEICO | $99 |
| Progressive | $123 |
| American Family | $130 |
| Direct Auto | $145 |
| Safeco | $147 |
| CSAA | $153 |
| Root | $155 |
| Elephant | $162 |
| Travelers | $174 |
| Farmers | $181 |
| The General | $194 |
| Allstate | $207 |
| National General | $213 |
| AssuranceAmerica | $219 |
| Bristol West | $221 |
| Liberty Mutual | $222 |
| Nationwide | $228 |
| GAINSCO | $268 |
| Dairyland | $327 |
| State Auto | $433 |
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 Dodge, Cadillac, Chevrolet , and more.
*Quotes generated for Insurify users in and around Indianapolis, Indiana within the last 10 days. Last updated on August 14, 2025. 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 August 14, 2025. 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 August 14, 2025. 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 August 14, 2025. 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 | Minimum Requirements |
|---|---|
| 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:
Collision coverage
This pays for damage to your car caused by crashing into a car or object.
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.
Medical payments coverage
Also known as MedPay, this coverage pays your medical bills related to an accident, regardless of who caused it.
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.
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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 $158 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Auto-Owners | $105 | $69 |
| State Farm | $109 | $73 |
| USAA | $118 | $79 |
| GEICO | $127 | $86 |
| Progressive | $156 | $77 |
| American Family | $165 | $110 |
| Direct Auto | $184 | $96 |
| Safeco | $189 | $121 |
| CSAA | $193 | $105 |
| Elephant | $195 | $129 |
| Root | $202 | $115 |
| Travelers | $221 | $148 |
| Farmers | $228 | $153 |
| The General | $259 | $124 |
| Allstate | $259 | $173 |
| AssuranceAmerica | $265 | $144 |
| National General | $268 | $158 |
| Liberty Mutual | $280 | $150 |
| Bristol West | $281 | $128 |
| Nationwide | $288 | $194 |
| GAINSCO | $325 | $137 |
| Dairyland | $411 | $122 |
| State Auto | $552 | $369 |
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 $112 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Auto-Owners | $106 | $70 |
| State Farm | $113 | $76 |
| GEICO | $121 | $82 |
| USAA | $122 | $82 |
| Progressive | $160 | $80 |
| American Family | $169 | $113 |
| Direct Auto | $195 | $102 |
| Root | $196 | $111 |
| Safeco | $200 | $128 |
| CSAA | $209 | $113 |
| Elephant | $210 | $139 |
| Travelers | $227 | $153 |
| Farmers | $235 | $157 |
| The General | $264 | $126 |
| Allstate | $267 | $178 |
| AssuranceAmerica | $268 | $145 |
| National General | $277 | $164 |
| Liberty Mutual | $288 | $155 |
| Bristol West | $288 | $132 |
| Nationwide | $297 | $199 |
| GAINSCO | $340 | $143 |
| Dairyland | $427 | $127 |
| State Auto | $566 | $379 |
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 $125, those with a DUI see an average of $161. 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Auto-Owners | $115 | $76 |
| State Farm | $121 | $81 |
| USAA | $130 | $87 |
| GEICO | $137 | $92 |
| Progressive | $158 | $78 |
| American Family | $179 | $120 |
| Direct Auto | $200 | $105 |
| CSAA | $211 | $115 |
| Root | $214 | $121 |
| Elephant | $224 | $148 |
| Safeco | $224 | $143 |
| Travelers | $240 | $162 |
| Farmers | $250 | $167 |
| The General | $268 | $128 |
| Allstate | $286 | $190 |
| National General | $294 | $174 |
| AssuranceAmerica | $302 | $164 |
| Bristol West | $305 | $139 |
| Liberty Mutual | $306 | $164 |
| Nationwide | $315 | $211 |
| GAINSCO | $370 | $156 |
| Dairyland | $451 | $134 |
| State Auto | $598 | $400 |
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 $107 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $54 | $36 |
| Auto-Owners | $54 | $35 |
| GEICO | $64 | $44 |
| USAA | $65 | $44 |
| American Family | $83 | $55 |
| CSAA | $93 | $50 |
| Progressive | $94 | $47 |
| Direct Auto | $97 | $51 |
| Root | $115 | $65 |
| Farmers | $116 | $77 |
| Travelers | $116 | $78 |
| Safeco | $116 | $74 |
| Elephant | $120 | $79 |
| Nationwide | $136 | $91 |
| The General | $138 | $66 |
| National General | $138 | $82 |
| Allstate | $142 | $94 |
| AssuranceAmerica | $149 | $81 |
| Bristol West | $156 | $71 |
| Liberty Mutual | $157 | $84 |
| GAINSCO | $208 | $88 |
| Dairyland | $235 | $70 |
| State Auto | $280 | $187 |
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 $185 per month for liability-only insurance in Indianapolis and $341 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Auto-Owners | $166 | $110 |
| State Farm | $180 | $120 |
| USAA | $185 | $124 |
| GEICO | $190 | $128 |
| Progressive | $259 | $129 |
| American Family | $260 | $174 |
| CSAA | $280 | $152 |
| Root | $291 | $165 |
| Elephant | $302 | $200 |
| Direct Auto | $305 | $160 |
| Safeco | $313 | $200 |
| The General | $361 | $173 |
| Farmers | $372 | $248 |
| Travelers | $372 | $250 |
| Liberty Mutual | $421 | $226 |
| Bristol West | $426 | $194 |
| Allstate | $435 | $290 |
| National General | $464 | $275 |
| AssuranceAmerica | $467 | $254 |
| Nationwide | $473 | $317 |
| GAINSCO | $541 | $228 |
| Dairyland | $589 | $175 |
| State Auto | $1,108 | $742 |
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.
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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 $88 for liability-only coverage and $162 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 | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| Elkhart | $118 | $64 |
| Evansville | $141 | $77 |
| Fort Wayne | $140 | $76 |
| Lafayette | $123 | $69 |
| South Bend | $131 | $69 |
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 $88 for liability-only coverage and $162 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 $55 per month for liability coverage and $83 for full-coverage car insurance. State Farm and Progressive also offer cheap liability insurance, averaging $59 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 90 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
- 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.
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Sources
- Indiana Department of Insurance. "Auto Insurance."
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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.”
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