Best Cheap Auto Insurance in Indianapolis, Indiana (2024)
Auto-Owners offers the cheapest car insurance in Indianapolis, with minimum-coverage policies as low as $32 per month.
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Updated November 20, 2024
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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 USAA. Average rates in the city are $168 for full-coverage car insurance and $85 for liability only, according to Insurify data.
This article aims 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, and even your credit score.
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 | 4.0 |
|---|---|
| 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. | 8.5 /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. | $32/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. | $63/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
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
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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 | 4.2 |
|---|---|
| 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. | $34/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. | $67/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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. | 9.4 /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. | $36/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. | $71/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
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
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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 $85 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $32 |
| State Farm | $34 |
| USAA | $36 |
| GEICO | $37 |
| American Family | $50 |
| Clearcover | $57 |
| Progressive | $63 |
| Travelers | $67 |
| Farmers | $70 |
| Direct Auto | $75 |
| Root | $77 |
| Allstate | $79 |
| Dairyland | $83 |
| Nationwide | $88 |
| CSAA | $89 |
| National General | $93 |
| The General | $95 |
| Safeco | $97 |
| Bristol West | $100 |
| Elephant | $100 |
| Liberty Mutual | $103 |
| GAINSCO | $105 |
| Foremost | $132 |
| AssuranceAmerica | $146 |
| State Auto | $166 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 any damage or hospital 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. In Indianapolis, full coverage costs an average of $168 per month, but you might find better rates with the following insurers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $63 |
| State Farm | $67 |
| USAA | $71 |
| GEICO | $74 |
| Clearcover | $95 |
| American Family | $98 |
| Root | $123 |
| Progressive | $124 |
| Travelers | $132 |
| Farmers | $138 |
| Direct Auto | $146 |
| CSAA | $148 |
| Allstate | $156 |
| Elephant | $156 |
| Nationwide | $173 |
| Safeco | $173 |
| National General | $184 |
| Dairyland | $204 |
| The General | $215 |
| Bristol West | $225 |
| AssuranceAmerica | $229 |
| Liberty Mutual | $231 |
| GAINSCO | $243 |
| Foremost | $250 |
| State Auto | $327 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
Drivers using Insurify have found quotes as cheap as $32/mo for liability only and $57/mo for full coverage in Indianapolis and other Indiana cities.
*Quotes generated for Insurify users in and around Indianapolis, Indiana within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 20, 2024. 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 November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 20, 2024. 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 fo 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 $183 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $84 | $43 |
| State Farm | $88 | $44 |
| USAA | $94 | $48 |
| GEICO | $98 | $49 |
| Clearcover | $126 | $76 |
| American Family | $130 | $66 |
| Progressive | $163 | $83 |
| Root | $174 | $109 |
| Travelers | $176 | $89 |
| Farmers | $182 | $92 |
| Direct Auto | $193 | $99 |
| CSAA | $200 | $120 |
| Allstate | $206 | $104 |
| Elephant | $222 | $142 |
| Nationwide | $231 | $117 |
| Safeco | $232 | $130 |
| National General | $244 | $124 |
| Dairyland | $270 | $110 |
| The General | $290 | $128 |
| Bristol West | $299 | $133 |
| AssuranceAmerica | $302 | $193 |
| Liberty Mutual | $328 | $146 |
| GAINSCO | $345 | $149 |
| Foremost | $355 | $188 |
| State Auto | $465 | $236 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $123 for liability-only insurance and $243 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $86 | $44 |
| State Farm | $90 | $46 |
| USAA | $96 | $49 |
| GEICO | $100 | $50 |
| American Family | $133 | $68 |
| Clearcover | $138 | $83 |
| Progressive | $169 | $86 |
| Root | $178 | $111 |
| Travelers | $180 | $91 |
| Farmers | $186 | $95 |
| Direct Auto | $202 | $104 |
| Elephant | $207 | $133 |
| CSAA | $208 | $125 |
| Allstate | $211 | $107 |
| Safeco | $232 | $130 |
| Nationwide | $236 | $120 |
| National General | $249 | $126 |
| Dairyland | $274 | $111 |
| The General | $296 | $131 |
| AssuranceAmerica | $303 | $193 |
| Bristol West | $304 | $135 |
| GAINSCO | $315 | $136 |
| Liberty Mutual | $333 | $149 |
| Foremost | $361 | $190 |
| State Auto | $481 | $244 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $126, those with a DUI see an average of $206. 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $103 | $53 |
| State Farm | $110 | $56 |
| USAA | $117 | $59 |
| GEICO | $122 | $61 |
| Clearcover | $156 | $94 |
| American Family | $161 | $82 |
| Root | $181 | $113 |
| Progressive | $204 | $103 |
| Travelers | $217 | $110 |
| CSAA | $218 | $131 |
| Farmers | $227 | $115 |
| Direct Auto | $240 | $123 |
| Allstate | $256 | $130 |
| Elephant | $256 | $164 |
| Safeco | $263 | $148 |
| Nationwide | $284 | $144 |
| National General | $302 | $153 |
| Dairyland | $335 | $136 |
| The General | $353 | $156 |
| Bristol West | $369 | $164 |
| AssuranceAmerica | $376 | $240 |
| Liberty Mutual | $379 | $169 |
| GAINSCO | $399 | $172 |
| Foremost | $410 | $217 |
| State Auto | $537 | $273 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $96 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $36 | $18 |
| State Farm | $37 | $19 |
| GEICO | $44 | $22 |
| USAA | $44 | $22 |
| American Family | $55 | $28 |
| Progressive | $60 | $30 |
| Clearcover | $70 | $42 |
| Travelers | $77 | $39 |
| Farmers | $78 | $40 |
| CSAA | $80 | $48 |
| Root | $84 | $53 |
| Direct Auto | $86 | $44 |
| Nationwide | $90 | $46 |
| Allstate | $94 | $48 |
| Elephant | $103 | $66 |
| National General | $106 | $54 |
| Safeco | $124 | $69 |
| Dairyland | $127 | $52 |
| AssuranceAmerica | $136 | $87 |
| The General | $138 | $61 |
| Bristol West | $140 | $62 |
| Liberty Mutual | $152 | $68 |
| Foremost | $158 | $83 |
| State Auto | $173 | $88 |
| GAINSCO | $175 | $76 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 you report your good grades, you could qualify for a good student discount.
On average, teen drivers pay $153 per month for liability-only insurance in Indianapolis and $303 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $109 | $55 |
| State Farm | $119 | $60 |
| GEICO | $122 | $61 |
| USAA | $123 | $62 |
| American Family | $174 | $89 |
| Clearcover | $180 | $108 |
| Root | $190 | $119 |
| Progressive | $224 | $114 |
| CSAA | $245 | $148 |
| Travelers | $246 | $125 |
| Farmers | $248 | $126 |
| Elephant | $261 | $167 |
| Direct Auto | $275 | $141 |
| Allstate | $286 | $145 |
| Nationwide | $311 | $158 |
| Dairyland | $339 | $138 |
| Safeco | $342 | $192 |
| The General | $352 | $156 |
| National General | $372 | $188 |
| Bristol West | $391 | $174 |
| Liberty Mutual | $409 | $182 |
| GAINSCO | $432 | $187 |
| AssuranceAmerica | $433 | $276 |
| Foremost | $457 | $241 |
| State Auto | $598 | $304 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 scores. Insurers have concluded that your credit score 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 $85 for liability-only coverage and $168 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 | $127 | $65 |
| Evansville | $144 | $77 |
| Fort Wayne | $147 | $76 |
| Lafayette | $133 | $70 |
| South Bend | $140 | $68 |
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.
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 $85 for liability-only coverage and $168 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 $32 per month for liability coverage and $63 for full-coverage car insurance. State Farm and USAA also offer cheap liability insurance, averaging $34 and $36 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 an Insurify Quality (IQ) Score of 4.0 or better. 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 50+ 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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More cities in Indiana
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.”
15+ years in content creation
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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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