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This city isn’t called the “Crossroads of America” for nothing, as Indianapolis is home to more interstates than most other places in the nation. Rush hour can bring an immense amount of traffic, depending on where you are in the metropolitan area, and those who don’t know how to navigate the area’s countless number of roundabouts could find driving in Indianapolis stressful, to say the least. Thankfully, at least you won’t have to navigate how to pay for your auto insurance, as residents in this area can typically save money after doing a bit of research.
The average cost of Indiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Indianapolis, IN to find you the cheapest quotes in the area.
Here are the cheapest carriers in Indianapolis for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 Progressive | $52/mo |
 State Farm | $78/mo |
 Travelers | $116/mo |
 Nationwide | $145/mo |
 The General | $154/mo |
| Best Companies | ||
|---|---|---|
 American Family | $163/mo | |
Nationwide | $229/mo | |
 Safeco | $176/mo | |
 Liberty Mutual | $204/mo | |
Travelers | $110/mo |
Indiana Cities | |
|---|---|
| Fort Wayne | $109/mo |
| Evansville | $109/mo |
| South Bend | $108/mo |
| Carmel | $99/mo |
| Indianapolis | $120/mo |
| Indiana | $109/mo |
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Indiana drivers must purchase car insurance and must carry proof of financial responsibility in their vehicles. Unlike many states, Indiana requires uninsured motorist protection in addition to property damage liability and bodily injury liability coverage.
Motorists are required to purchase auto insurance coverage meeting these minimums:
Those with more than 30 years of driving experience in Indianapolis will find that their car insurance rates are some of the best around. Motorists in their 50s, 60s, and 70s will pay an average of $122, $125, and $127, respectively. Prices here are the highest for drivers under 20 years of age, with rates that average $300; however, once a driver is out of their teen years, they can save about $120 off this initial rate.
| Driver's Age | |
|---|---|
| teens | $301 |
| 20s | $189 |
| 30s | $144 |
| 40s | $162 |
| 50s | $123 |
| 60s | $126 |
| 70s | $128 |
| 80s | $160 |
| Driving History | |
|---|---|
| No Violation | $166 |
| Speeding Ticket | $190 |
| At-Fault Accident | $201 |
| Failure to Stop for Red Light / Stop Sign | $163 |
It’s a matter of pride for many motorists to maintain a clean driving record, but if you do receive a moving violation, your car insurance premiums won’t take too much of a hit. Drivers without any points on their records pay an average of $165, and if they run a stop sign or red light, their rates won’t be impacted by more than a few dollars. A speeding ticket, however, will cause premiums to go up to around $189, and an at-fault accident pushes prices to $200.
Drivers with excellent credit definitely get to enjoy lower car insurance rates in Indianapolis. These individuals tend to pay an average of $152, as they are deemed to be the most financially trustworthy. Motorists whose credit falls into the poor, average, or good tiers will typically pay $173, $171, or $177, respectively. While boosting your credit is always worthwhile, drivers in Indianapolis have an extra incentive to do so.
| Credit Tie | |
|---|---|
| Excellent | $153 |
| Good | $178 |
| Average | $172 |
| Poor | $174 |
The Indiana Bureau of Motor Vehicles makes it easy for drivers to get the information they need, with branch locations and kiosks sprinkled around the metropolitan area. Many offices are open Tuesday through Saturday with varying hours and allow you to check current wait times online. If you need to head to a BMV location, it’s often advised that you check multiple offices to see which is the least busy.
Indianapolis has refined its public transportation system over the years, making it quite easy to get around town without your own vehicle. IndyGo operates 31 different routes that crisscross the city as well as the Red Line rapid transit electric bus system. You can also rent an electric vehicle or scooter if need be, while others opt to use a ridesharing service like Lyft or Uber.
If you’ve grown up in Indianapolis, the city’s maze of interstates is likely nothing you worry about, but those new to the area should take extra time when planning a trip and remember to stay focused on the road at all times. Even though a collision can happen completely accidentally, keep in mind that you’re financially responsible if a problem occurs on the road.
In order to protect yourself in the event of an accident, it’s best to make sure you have adequate car insurance. By visiting Insurify, you can compare quotes with ease and enroll in a policy that will meet your specific driving needs. Now, you can navigate the roads of Indianapolis with a little more peace of mind!
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Indianapolis drivers measure up to their fellow Indiana motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Indianapolis drivers rank 19 in the number of car accidents per driver across all cities in Indiana.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Indiana, Indianapolis drivers rank 4 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Indianapolis drivers rank 11 in the number of DUI’s per driver across all cities in Indiana.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Indianapolis is the Chevrolet Malibu.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Indiana, Indianapolis drivers rank 9 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Indianapolis drivers rank 9 in clean driving records across all cities in Indiana.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Indianapolis drivers rank 5 in failure to yield violations per driver across all cities in Indiana.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Indiana, Indianapolis drivers rank 6 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Indianapolis drivers rank 17 in hybrid and electric vehicle ownership across all cities in Indiana.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
