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Cheap Auto Insurance Quotes in Indianapolis, IN (January 2022)
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Last Updated: January 2022
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.
Why you can trust InsurifyInsurify partners with the best car insurance companies in the U.S. to provide a tailored car insurance comparison experience. To date, we’ve delivered over 35 million quotes from both national and regional companies to over 4 million customers. Check out reviews from over 3000 satisfied customers.
Car Insurance in Indianapolis, IN
The average cost of Indiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Indianapolis, IN to find you the cheapest quotes in the area.
$52
$78
$116
$145
$154
ProgressiveState FarmTravelersNationwideThe General
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Cheapest Car Insurance in Indianapolis, IN
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Indianapolis | |
|---|---|
Progressive | $52/mo |
 State Farm | $78/mo |
 Travelers | $116/mo |
 Nationwide | $145/mo |
 The General | $154/mo |
Best Car Insurance in Indianapolis, IN
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Indianapolis. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 American Family | $163/mo | |
Nationwide | $229/mo | |
 Safeco | $176/mo | |
 Liberty Mutual | $204/mo | |
Travelers | $110/mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Fort Wayne | $109/mo |
| Evansville | $109/mo |
| South Bend | $108/mo |
| Carmel | $99/mo |
| Indianapolis | $120/mo |
| Indiana | $109/mo |
$109
$109
$109
$108
$99
$120
IndianaFort WayneEvansvilleSouth BendCarmelIndianapolis
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Indianapolis, IN Driving Facts
Minimum Car Insurance Requirements in IN
Indiana drivers must purchase car insurance and must carry proof of financial responsibility in their vehicles. Unlike many states, Indiana requires uninsured motorist protection in addition to property damage liability and bodily injury liability coverage.
Motorists are required to purchase auto insurance coverage meeting these minimums:
- $25,000 for bodily injury or death of one person
- $50,000 for bodily injury or death of two or more persons
- $25,000 for property damage liability
- $50,000 Uninsured Motorist Coverage
Indianapolis Car Insurance Rates by Driver Age
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 |
Indianapolis Car Insurance Rates by Driving and Accident History
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.
See More: High-risk Car Insurance Indiana
See More: DUI Car Insurance Indiana
Indianapolis Car Insurance Rates by Credit Tier
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 |
See More: Bad Credit Car Insurance Indiana
Indianapolis, IN DMV Information
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.
Public Transportation in Indianapolis, IN
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.
Find local Indianapolis agents
A-1 Insurance, Hunt & Assoc
2929 E 96th St Suite A, Indianapolis, IN 46240
McGowan Insurance Group
355 Indiana Avenue, Suite 200, Indianapolis, IN 46204-2972
M J Schuetz Insurance Services
55 Monument Circle, Indianapolis, IN 46204
Associated Insurance Group of Indiana
7799 Michigan Rd., Indianapolis, IN 46268
Burns Family Insurance
1800 N Meridian Street, Indianapolis, IN 46202
RMIA Inc. dba Risk Manager Insurance Agency
9119 Otis Avenue, Indianapolis, IN 46216
Cindy Wilkins Insurance Agency
8007 S Meridian, Indianapolis, IN 46217
Merritt Hall Insurance
2421 Production Drive, Indianapolis, IN 46242
McClain-Matthews Insurance
6329 Hollister Drive, Indianapolis, IN 46224
ACB Insurance, Inc.
9959 Crosspoint Blvd, Indianapolis, IN 46256
Insurify Insights: How Indianapolis Drivers Measure Up
Indianapolis, IN
Suspended Licenses Rank
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how 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.
Accidents in Indianapolis
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.
- Rank within state: #19
- Percent of drivers in Indianapolis with an accident: 10.55%
- Drivers in Indianapolis, IN with an accident in their driving history paid on average 36.17% more than drivers with a clean record
Speeding in Indianapolis
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.
- Rank within state: #4
- Percent of drivers in Indianapolis with a speeding ticket: 12.68%
- Drivers in Indianapolis, IN with a speeding ticket in their driving history paid on average 29.79% more than drivers with a clean record
DUI/DWIs in Indianapolis
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.
- Rank within state: #11
- Percent of drivers in Indianapolis with a DUI: 2.84%
- Drivers in Indianapolis, IN with a DUI in their driving history paid on average 7.8% more than drivers with a clean record
Most Popular Vehicle in Indianapolis
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.
Rude Drivers in Indianapolis
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.
- Rank within state: #9
- Percent of drivers in Indianapolis with a reckless driving violation: 1.77%
- Drivers in Indianapolis, IN with a reckless driving violation in their driving history paid on average 36.17% more than drivers with a clean record.
Safest Drivers in Indianapolis
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.
- Rank within state: #9
- Percent of drivers in Indianapolis with clean record: 77.64%
Failure to Yield the Right of Way in Indianapolis
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.
- Rank within state: #5
- Percent of drivers in Indianapolis with a failure to yield violation: 0.31%
- Drivers in Indianapolis, IN with a failure to yield violation in their driving history paid on average 1800% more than drivers with a clean record
Reckless Drivers in Indianapolis
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.
- Rank within state: #6
- Percent of drivers in Indianapolis with a reckless driving offense: 0.09%
Hybrid/Electric Vehicle Ownership in Indianapolis
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.
- Rank within state: #17
- Percent of drivers in Indianapolis with a hybrid/electric vehicle: 0.81%
How to get the best and cheapest car insurance in Indianapolis, IN
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!
FAQs - Indianapolis, IN Car Insurance
Why is car insurance so affordable in Indiana?
Residents of Indianapolis often pay up to 20 percent less than the national average for their auto policy due to a variety of factors, including the frequency of accidents in the state, a person’s driving history, and more.
What kind of auto coverage is required in Indianapolis?
If you’re looking to purchase insurance in Indiana for the first time, it’s important to note that you must have liability coverage of at least $25,000. Additional types of protection are always available, depending on your specific needs.
What happens if I drive without car insurance in Indianapolis?
Anyone who is found operating a vehicle without coverage will have their driving privileges suspended and may face penalties as well. It’s common to need special insurance moving forward when you do get your license back.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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