The effect of driving habits on car insurance in Indianapolis
Driving habits are important for insurance companies when determining premiums. Insurers look at your driving record to assess risk and set premiums. Drivers with a history of violations typically pay more for car insurance than those with a clean driving record.[2]
In Indianapolis, car insurance rates tend to rise after a speeding ticket, at-fault accident, or DUI.
Cheapest car insurance with a clean record in Indianapolis: State Farm
Drivers without any moving violations on their driving record will likely find the lowest rates.[2] On average, the cheapest rates are available through State Farm, at $56 per month. But USAA and GEICO also offer average rates below $70.
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 with an accident in Indianapolis: State Farm
An at-fault accident often leads to higher insurance premiums.[9] But several companies still offer average rates lower than $100. On average, the cheapest option is available through State Farm, at $81 per month. But USAA and GEICO both offer average premiums less than $90 per month. Here’s how much drivers may pay on average for car insurance in Indianapolis after an at-fault accident:
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 with a DUI in Indianapolis: State Farm
Even after a DUI conviction, State Farm continues to offer competitive rates. The average monthly rate after a DUI effectively doubles to $112 with State Farm. Here’s how much you may pay for car insurance after a DUI conviction in Indianapolis:
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 with a speeding ticket in Indianapolis: State Farm
State Farm wins the top spot again for offering the cheapest average rates to drivers with a speeding ticket. On average, drivers with speeding tickets pay $76 per month through State Farm. But average rates can increase to $454 with CSAA. Here’s how much you may pay on average for car insurance in Indianapolis after a speeding ticket:
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.
Car insurance in other Indiana cities
Car insurance costs can vary widely from city to city. Here’s a look at how much you might pay for car insurance in some other Indiana cities: