Compare Indianapolis, IN Car Insurance Rates (2021)

Car insurance in Indianapolis, IN averages $300 a month. Indianapolis, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Indianapolis car insurance rates, compare quotes from the top car insurance companies in Indianapolis, IN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Indianapolis, IN are $3,605/year
  • Average car insurance rates in Indianapolis, IN after a DUI are $4,294/year
  • The cheapest ZIP code in Indianapolis is 46290

If you need to buy Indianapolis, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Indianapolis, IN is right here.

You’ll find Indianapolis car insurance rates, the cheapest Indianapolis, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Indianapolis, Indiana car insurance rates to Evansville car insurance rates, Carmel car insurance rates, and Bloomington car insurance rates.

Ready to find affordable Indianapolis, IN car insurance today? Enter your ZIP code for fast, free Indianapolis car insurance quotes.

Cheapest Indianapolis, IN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Indianapolis, IN car insurance rates? Every Indianapolis, Indiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Indianapolis, Indiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,605 $2,662 $2,295 $2,509 $8,199 $10,355 $2,627 $2,859
American Family $2,527 $2,527 $2,280 $2,280 $7,073 $10,191 $2,527 $3,092
Farmers $1,490 $1,472 $1,273 $1,430 $8,027 $8,573 $1,968 $2,127
GEICO $1,760 $1,756 $1,655 $1,720 $5,269 $4,888 $2,021 $1,771
Liberty Mutual $4,222 $4,222 $3,887 $3,887 $9,149 $13,774 $4,222 $5,759
Nationwide $1,908 $1,947 $1,674 $1,783 $5,663 $7,333 $2,249 $2,456
Progressive $1,817 $1,715 $1,648 $1,658 $10,867 $12,215 $2,285 $2,328
State Farm $1,613 $1,613 $1,450 $1,450 $5,046 $6,440 $1,790 $1,996
Travelers $1,320 $1,342 $1,244 $1,241 $8,396 $13,267 $1,403 $1,611
USAA $1,162 $1,141 $1,087 $1,088 $3,307 $3,680 $1,568 $1,669

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Minimum Car Insurance in Indianapolis, IN

Every driver must carry the minimum car insurance in Indianapolis, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car Insurance Coverage in Indianapolis, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Indianapolis, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Indianapolis, IN. Compare credit history car insurance rates in Indianapolis from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Indianapolis, Indiana

Insurance Company Poor Fair Good
Allstate $5,282 $3,936 $3,574
American Family $5,561 $3,606 $3,020
Farmers $3,841 $3,137 $2,907
GEICO $3,137 $2,605 $2,073
Liberty Mutual $8,173 $5,324 $4,924
Nationwide $3,565 $3,004 $2,810
Progressive $4,751 $4,218 $3,981
State Farm $3,891 $2,326 $1,807
Travelers $4,148 $3,518 $3,517
USAA $2,471 $1,638 $1,405

Cheapest Indianapolis, IN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Indianapolis, IN to rates for a clean record with top companies.

Annual Indianapolis, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,389 $5,003 $4,618 $4,045
American Family $2,807 $4,450 $5,650 $3,342
Farmers $2,946 $3,441 $3,540 $3,253
GEICO $1,695 $2,691 $3,678 $2,356
Liberty Mutual $4,737 $5,624 $8,960 $5,239
Nationwide $2,692 $3,464 $3,322 $3,028
Progressive $3,226 $5,691 $3,855 $4,494
State Farm $2,609 $2,873 $2,609 $2,609
Travelers $3,166 $3,914 $4,435 $3,396
USAA $1,384 $1,978 $2,273 $1,717

Cheapest Indianapolis, IN Car Insurance for Teen Drivers

Teen car insurance in Indianapolis, IN can be expensive. Take a look at rates from the top car insurance companies in Indianapolis for teenagers.

Annual Car Insurance Rates for Teen Drivers in Indianapolis, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,199 $10,355
American Family $7,073 $10,191
Farmers $8,027 $8,573
GEICO $5,269 $4,888
Liberty Mutual $9,149 $13,774
Nationwide $5,663 $7,333
Progressive $10,867 $12,215
State Farm $5,046 $6,440
Travelers $8,396 $13,267
USAA $3,307 $3,680

Cheapest Indianapolis, IN Car Insurance for Seniors

Take a look at Indianapolis, IN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Indianapolis, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,295 $2,509
American Family $2,280 $2,280
Farmers $1,273 $1,430
GEICO $1,655 $1,720
Liberty Mutual $3,887 $3,887
Nationwide $1,674 $1,783
Progressive $1,648 $1,658
State Farm $1,450 $1,450
Travelers $1,244 $1,241
USAA $1,087 $1,088

Cheapest Indianapolis, IN Car Insurance Rates After a DUI

A DUI in Indianapolis, IN increases car insurance rates. Compare Indianapolis, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Indianapolis, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,618
American Family $5,650
Farmers $3,540
GEICO $3,678
Liberty Mutual $8,960
Nationwide $3,322
Progressive $3,855
State Farm $2,609
Travelers $4,435
USAA $2,273

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Cheapest Indianapolis, IN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Indianapolis, IN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Indianapolis, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,264 $4,264
American Family $4,013 $4,111
Farmers $3,295 $3,295
GEICO $2,561 $2,649
Liberty Mutual $5,979 $6,301
Nationwide $3,127 $3,127
Progressive $4,317 $4,317
State Farm $2,600 $2,749
Travelers $3,728 $3,728
USAA $1,814 $1,862

Cheapest Indianapolis, IN Car Insurance Rates by ZIP Code

Indianapolis car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Indianapolis, IN.

Annual Car Insurance Rates by ZIP Code in Indianapolis, Indiana

ZIP Code Average Annual Rates
46201 $3,811
46202 $3,746
46203 $3,707
46204 $3,698
46205 $3,725
46208 $3,717
46214 $3,468
46216 $3,522
46217 $3,401
46218 $3,815
46219 $3,489
46220 $3,435
46221 $3,614
46222 $3,664
46224 $3,607
46225 $3,818
46226 $3,635
46227 $3,549
46228 $3,504
46229 $3,472
46231 $3,428
46234 $3,395
46235 $3,505
46236 $3,432
46237 $3,403
46239 $3,510
46240 $3,428
46241 $3,459
46250 $3,389
46254 $3,479
46256 $3,395
46259 $3,327
46260 $3,478
46268 $3,371
46278 $3,429
46280 $3,099
46282 $3,500
46290 $3,061

The Best Cheap Car Insurance Companies in Indianapolis, IN

Take a look at a side-by-side comparison of the top car insurance companies in Indianapolis, IN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Indianapolis, Indiana

Insurance Company Average Annual Rates
Allstate $4,264
American Family $4,062
Farmers $3,295
GEICO $2,605
Liberty Mutual $6,140
Nationwide $3,127
Progressive $4,317
State Farm $2,675
Travelers $3,728
USAA $1,838

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Category Winners: Cheapest Car Insurance in Indianapolis, Indiana

Find the cheapest car insurance companies in Indianapolis, IN for each category right here.

Best Annual Car Insurance Rates by Company in Indianapolis, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Indianapolis, IN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Indianapolis car insurance rates. Find the cheapest Indianapolis, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Indianapolis, Indiana

Insurance Company Low Medium High
Allstate $4,056 $4,245 $4,491
American Family $4,014 $4,195 $3,977
Farmers $3,186 $3,290 $3,409
GEICO $2,443 $2,598 $2,774
Liberty Mutual $5,926 $6,122 $6,373
Nationwide $3,162 $3,102 $3,115
Progressive $4,082 $4,251 $4,617
State Farm $2,541 $2,674 $2,809
Travelers $3,656 $3,762 $3,765
USAA $1,771 $1,833 $1,910

What affects car insurance rates in Indianapolis, Indiana?

What factors can have an impact on Indianapolis, IN car insurance? There are several reasons why Indianapolis car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Indianapolis, Indiana.

Car Theft in Indianapolis

High levels of vehicle theft can make car insurance more expensive. Indianapolis, IN car theft statistics from the FBI indicate 4,947 vehicle thefts a year.

Commute Time in Indianapolis

The more time you spend in your car the higher the risk of an accident. The average commute length in Indianapolis, IN is 23.6 minutes according to City-Data.

Traffic in Indianapolis

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Indianapolis, IN traffic data from INRIX ranks Indianapolis as the 439th-most congested in the world.

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Compare Car Insurance Quotes in Indianapolis, IN

Ready to find affordable Indianapolis, Indiana car insurance today? Enter your ZIP code for fast, free Indianapolis, IN car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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