The average annual cost of a full coverage car insurance policy in Indianapolis is $1,320 per year. That’s $105 more than the statewide average for Indiana, which is $1,215 per year. We found that the cheapest companies in Indianapolis are USAA, GEICO, and State Farm.
The best way to get the cheapest rates on car insurance is to compare quotes before you buy. Policygenius makes it easy to see what you’ll pay with top companies, so you can choose the policy that’s best for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Indianapolis, IN
Insurance costs vary depending on your age, driving record, address, credit score and the kind of car you drive. But costs can also vary from one car insurance company to the next, which is why it’s so important to compare quotes before you buy a policy.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $64/month | 890 |
GEICO | $74/month | 874 |
State Farm | $75/month | 882 |
Auto-Owners Insurance | $83/month | 865 |
Travelers | $96/month | 854 |
Cheapest car insurance rates by ZIP code in Indianapolis, IN
Insurance companies use ZIP codes to figure out the risks of owning a car where you live. Rates of car theft and vandalism in your neighborhood, as well as the number of accidents and traffic tickets issued nearby can affect what you pay for coverage.
ZIP code | Average cost |
|---|---|
46280 | $1,179 |
46290 | $1,198 |
46259 | $1,246 |
46234 | $1,255 |
46240 | $1,271 |
46256 | $1,272 |
46250 | $1,272 |
46237 | $1,272 |
46231 | $1,278 |
46217 | $1,281 |
Choosing the right car insurance company in Indianapolis, IN
There’s no one right car insurance company for every driver — the right company is the one that offers you the most coverage at the lowest rates. But the cheapest company for one driver may not be the cheapest company for you.
The best way to find the right policy for you is to shop around and compare quotes before you buy. Policygenius can help you compare options so you can feel confident you’re making the right choice.
Car insurance rates for drivers with driving violations in Indianapolis, IN
The more driving violations you have on your driving record, the more you will have to pay for car insurance. And more serious violations, like a DUI or an at-fault accident, will mean bigger rate increases.
Violation | USAA | GEICO | State Farm | Auto-Owners Insurance | Travelers |
|---|---|---|---|---|---|
At-fault accident | $1,206 | $1,915 | $1,263 | $1,591 | $1,649 |
Suspended license | $1,251 | $2,728 | $1,157 | $2,535 | $1,801 |
Open container | $1,143 | $2,263 | $998 | $1,280 | $1,556 |
Expired registration | $1,052 | $1,429 | $998 | $1,001 | $1,556 |
Driving without lights | $1,052 | $1,429 | $998 | $1,001 | $1,556 |
Running a red light | $1,052 | $1,429 | $998 | $1,001 | $1,556 |
Following too closely | $1,052 | $1,429 | $998 | $1,001 | $1,556 |
Hit and run | $1,341 | $2,607 | $1,157 | $2,535 | $1,801 |
Not-at-fault accident | $838 | $1,106 | $919 | $1,099 | $1,241 |
Passing a school bus | $1,143 | $1,429 | $998 | $1,225 | $1,801 |
Reckless driving | $1,143 | $2,607 | $1,157 | $2,535 | $1,801 |
Cheapest car insurance for drivers with a DUI in Indianapolis, IN
Indianapolis drivers with a DUI or DWI on their record will pay more for car insurance than drivers with a clean driving history. The average annual cost for car insurance in Indianapolis is $1,320, but drivers with a DUI can expect to pay much more than that with an average of $2,082 per year.
We've found that the three cheapest car insurance companies in Indianapolis for drivers with a DUI are State Farm, USAA, and Travelers, but comparing quotes from multiple companies is the best way to find the lowest possible rate.
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,157 |
USAA | $1,299 |
Travelers | $1,801 |
GEICO | $2,263 |
Auto-Owners Insurance | $2,535 |
Cheapest car insurance for drivers with a speeding ticket in Indianapolis, IN
Drivers in Indianapolis with a speeding ticket or moving violation could also see an increase in their rates. The average cost of insurance for a driver with a speeding ticket in Indiana is $1,793 per year.
We found the companies offering the lowest rates for drivers in Indianapolis with a speeding ticket are State Farm, USAA, and Auto-Owners Insurance, but the best way to find the lowest possible rate is to compare quotes from multiple companies.
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $998 |
USAA | $1,052 |
Auto-Owners Insurance | $1,681 |
Travelers | $1,801 |
GEICO | $2,607 |
Cheapest car insurance for drivers with bad credit in Indianapolis, IN
Insurance companies will also consider your credit score when you apply for car insurance, and a low credit score means you’ll pay more for coverage.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,404 |
USAA | $1,530 |
Grange Insurance | $1,612 |
Nationwide | $1,977 |
Progressive | $2,020 |
Buying car insurance in Indianapolis, IN
Indiana requires every driver to have at least a minimum amount of car insurance coverage. All Indiana drivers must have at least the following amounts:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Uninsured motorist bodily injury per person: $25,000
Uninsured motorist bodily injury per accident: $50,000
Uninsured motorist property damage: $25,000
Underinsured motorist bodily injury per person: $50,000
Underinsured motorist bodily injury per accident: $50,000
Car insurance policies in Indiana must include uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident unless that coverage is expressly rejected in writing, however not having UM/UIM coverage could leave you on the hook for thousands of dollars if you’re hit by a driver without car insurance.
How to get cheap car insurance in Indianapolis, IN
Drive safely: Drive with care to avoid accidents and traffic violations.
Shop around: Check rates from several car insurance companies to find the best rate available.
Get discounts: Ask about discounts for low mileage drivers, safe drivers, good students, and for things like insuring multiple cars on the same policy
Bundle policies: Get your auto and home insurance from the same insurance company and save on both.
Frequently asked questions
Who has the cheapest car insurance rates in Indianapolis?
Our data shows that the two cheapest car insurance companies in the city of Indianapolis are USAA and GEICO.
Is Indiana a no-fault state?
No, Indiana is an at-fault state. The insurance of the driver who is at-fault for an accident will pay for the other party’s medical bills and repair costs, up the limits of the policy.
Does Indiana require car insurance?
Yes, Indiana requires a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage. Uninsured/underinsurance motorist coverage is also required, unless specifically rejected.
How much is car insurance per month in Indiana?
Drivers in Indiana pay an average of $1,215 per year for car insurance, which breaks down to $101 per month. Drivers in Indianapolis pay $110 per month, which is $9 per month higher than the state average.
